SMBK vs BCSF

Comparison between SmartFinancial Inc (SMBK, Company) and Bain Capital Specialty Finance Inc (BCSF, Company).

Both SMBK and BCSF are from the Financial Services sector.

5-Year PerformanceSMBK has outperformed BCSF, delivering a return of +16.3% compared to +7.5%

SMBK vs BCSF - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	SMBK(COMPANY)	BCSF(COMPANY)
Market Cap	$829M	$832M
Max Drawdown	94.80%	64.53%
Sharpe Ratio	1.29	-0.34
5Y Beta	0.74	0.71
Industry	Banks - Regional	Asset Management
P/E Ratio	15.66	11.30
Forward P/E	14.10	10.11
PEG Ratio	0.41	1.05
Dividend Yield	0.34%	13.10%
5Y Dividends CAGR	8.45%	11.46%
5Y EPS CAGR	8.39%	N/A
Debt to Equity	0.57%	133.02%
Free Cash Flow Yield	6.77%	7.63%
P/S Ratio	4.06	2.99
P/B Ratio	1.48	0.76

Market Cap

SMBK

$829M

Winner

BCSF

$832M

Max Drawdown

SMBK

94.80%

Winner

BCSF

64.53%

Sharpe Ratio

Winner

SMBK

1.29

BCSF

-0.34

5Y Beta

SMBK

0.74

Winner

BCSF

0.71

Industry

SMBK

Banks - Regional

BCSF

Asset Management

P/E Ratio

SMBK

15.66

Winner

BCSF

11.30

Forward P/E

SMBK

14.10

Winner

BCSF

10.11

PEG Ratio

Winner

SMBK

0.41

BCSF

1.05

Dividend Yield

SMBK

0.34%

Winner

BCSF

13.10%

5Y Dividends CAGR

SMBK

8.45%

Winner

BCSF

11.46%

5Y EPS CAGR

SMBK

8.39%

BCSF

N/A

Debt to Equity

Winner

SMBK

0.57%

BCSF

133.02%

Free Cash Flow Yield

SMBK

6.77%

Winner

BCSF

7.63%

P/S Ratio

SMBK

4.06

Winner

BCSF

2.99

P/B Ratio

SMBK

1.48

Winner

BCSF

0.76

SMBK vs BCSF - Historical Returns

Returns include dividend reinvestment.

Period	SMBK	BCSF
1 month	+7.04%	+2.59%
3 months	+16.89%	-1.85%
6 months	+25.36%	-2.28%
1 year	+37.02%	-7.43%
5 years(CAGR)	+16.27%	+7.51%
10 years(CAGR)	+13.22%	N/A
Max(CAGR)	+6.18%	+6.76%

Winner

SMBK

+7.04%

BCSF

+2.59%

Winner

SMBK

+16.89%

BCSF

-1.85%

Winner

SMBK

+25.36%

BCSF

-2.28%

Winner

SMBK

+37.02%

BCSF

-7.43%

5Y(CAGR)

Winner

SMBK

+16.27%

BCSF

+7.51%

10Y(CAGR)

SMBK

+13.22%

BCSF

N/A

Max(CAGR)

SMBK

+6.18%

Winner

BCSF

+6.76%

SMBK vs BCSF - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	SMBK	BCSF
2026	+34.48%	-4.52%
2025	+21.61%	-9.85%
2024	+28.84%	+28.97%
2023	-9.36%	+39.60%
2022	-0.03%	-14.71%
2021	+53.88%	+38.15%
2020	-21.62%	-28.74%
2019	+32.35%	+23.28%
2018	-16.50%	-4.62%
2017	+11.97%	N/A
2016	+23.06%	N/A
2015	+21.53%	N/A
2014	+39.66%	N/A
2013	+3.49%	N/A
2012	+52.67%	N/A
2011	-9.09%	N/A
2010	-9.52%	N/A
2009	-57.85%	N/A
2008	-42.46%	N/A
2007	-32.80%	N/A
2006	+36.11%	N/A
2005	+47.34%	N/A
2004	+45.01%	N/A
2003	+52.41%	N/A
2002	+11.54%	N/A
2001	+0.00%	N/A

SMBK vs BCSF Drawdown Comparison

The maximum drawdown for SMBK was -94.35%, occurring on Nov 2, 2011. This drawdown has not yet recovered.

The maximum drawdown for BCSF was -62.22%, occurring on Apr 6, 2020. Recovery took 479 trading sessions.

The current SMBK drawdown is -12.30%. The current BCSF drawdown is -20.41%.

Rank	SMBK	BCSF
#1	-94.35% Dec 19, 2006 - Nov 2, 2011	-62.22% Feb 20, 2020 - Jan 12, 2022
#2	-48.15% Sep 15, 2004 - Feb 13, 2006	-26.38% Feb 28, 2025 - Mar 13, 2026
#3	-42.31% Jan 2, 2001 - Jun 21, 2002	-24.32% Apr 20, 2022 - Jul 17, 2023
#4	-18.92% Apr 19, 2004 - Aug 3, 2004	-14.93% Nov 23, 2018 - Jan 15, 2019
#5	-16.28% Jun 21, 2002 - Jun 19, 2003	-10.51% Apr 26, 2019 - Dec 4, 2019
#6	-13.91% Feb 13, 2006 - Oct 11, 2006	-9.78% Sep 19, 2023 - Mar 12, 2024
#7	-11.17% Aug 4, 2004 - Sep 15, 2004	-9.14% Jul 30, 2024 - Aug 30, 2024
#8	-10.91% Oct 24, 2003 - Nov 7, 2003	-7.97% Feb 21, 2019 - Mar 21, 2019
#9	-10.46% Nov 10, 2003 - Mar 18, 2004	-5.63% May 1, 2024 - Jun 3, 2024
#10	-10.26% Jul 24, 2003 - Oct 24, 2003	-4.76% Mar 3, 2022 - Apr 5, 2022
#11	-10.00% Mar 18, 2004 - Apr 16, 2004	-4.65% Feb 16, 2022 - Mar 3, 2022
#12	-5.71% Jun 24, 2003 - Jul 10, 2003	-3.71% Mar 27, 2019 - Apr 9, 2019
#13	-4.00% Oct 31, 2006 - Nov 28, 2006	-3.70% Jan 2, 2025 - Jan 21, 2025
#14	-3.28% Oct 20, 2006 - Oct 31, 2006	-3.65% Jan 19, 2022 - Jan 31, 2022
#15	-1.24% Nov 29, 2006 - Dec 1, 2006	-3.48% Sep 5, 2024 - Oct 4, 2024

Correlation

Correlation between SMBK and BCSF is 0.78 which considered as a strong positive correlation - the stocks tend to move together.

0.78

-101

Dividend Comparison (2003 - 2026)

SMBK vs BCSF dividend yield comparison.

Year	SMBK	BCSF
2026	0.35%	6.74%
2025	0.87%	14.02%
2024	1.03%	10.27%
2023	1.31%	10.62%
2022	1.02%	11.60%
2021	0.88%	8.94%
2020	1.10%	11.73%
2019	0.21%	8.30%
2018	0.00%	2.45%
2009	4.64%	0.00%
2008	5.33%	0.00%
2007	2.02%	0.00%
2006	0.52%	0.00%
2005	0.34%	0.00%
2004	0.63%	0.00%
2003	0.45%	0.00%