SMBK - NASDAQ
SmartFinancial, Inc.
$37.87
-0.99%SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers. It operates through Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, and Consumer and Other segments. The company offers noninterest-bearing and interest-bearing checking, interest-bearing demand, savings, money market, time deposit, individual retirement accounts, as well as certificates of deposit. It also provides commercial and residential real estate, consumer real estate, and construction and land development loans; commercial and financial loans; mortgage loans; and direct consumer installment loans, educational, and other revolving credit loans; and overdraft facilities. In addition, the company offers wealth management, insurance, mortgage origination, and Internet and mobile banking services. As of March 1, 2022, it had 41 full-service branches and 2 loan production offices in East and Middle Tennessee, Alabama, and the Florida Panhandle. The company is headquartered in Knoxville, Tennessee.
At a Glance
Live SnapshotSmartFinancial, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
SmartFinancial, Inc. Cash Flow Statement
SMBK • NASDAQ
| SmartFinancial, Inc. Cash Flow Statement | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 | Dec 2005 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
36.1M | 28.6M | 43M | 34.8M | 24.3M | 26.5M | 18.1M | 5M | 5.8M | 1.5M | 1.8M | 1.7M | 1.4M | 1M | -4.7M | -8.2M | 2.5M | 871.2K | 5.8M | 4.3M | |
11.4M | 13.5M | 12.6M | 9M | 7.8M | 4.3M | 3.3M | -1.7M | 2.2M | 1.1M | 1.7M | 506.9K | 529K | 510.3K | 555.2K | 958.4K | 694.5K | 605.1K | 990.1K | 764.1K | |
120K | 1.3M | -555K | 643K | -1.2M | 780K | 2.4M | 1.6M | 0.0 | 0.0 | 540.7K | 105.3K | -383.2K | 110.9K | -1M | 1.3M | 3.3M | -3.5M | -481.5K | -460.5K | |
1.6M | 1.3M | 1.3M | 693K | 482K | 517K | 396.9K | 154.3K | 132.6K | 140.1K | 14.6K | 129.1K | 74K | 79.1K | 74.6K | 216.6K | 279.4K | 0.0 | 0.0 | 0.0 | |
375K | 5.3M | 3.1M | 1.7M | -2.2M | -7.6M | -1.7M | -854.4K | -551.2K | 716.5K | 211.4K | 932K | 1.2M | 1.8M | 9.6M | 16.1M | 3.4M | 13.8M | -605.6K | 1.1M | |
(8.8M) | (9.3M) | (12.2M) | (9.3M) | (8.6M) | (6.8M) | (857K) | (3.5M) | (3.8M) | (2M) | (3.9M) | (1.1M) | (965.9K) | (44.6K) | (500K) | (180.4K) | (0.0) | (0.0) | (0.0) | (0.0) | |
3M | -10.3M | -2.7M | -608K | -121K | 5.3M | -1.7M | -3M | 4M | -1.1M | -2.6M | 1.1M | 1.8M | -1.1M | 5.6M | -4.4M | -6.7M | 105.4K | -413.5K | 969.1K | |
52.7M | 39.7M | 56.8M | 46.2M | 29.1M | 29.9M | 20.8M | 1.2M | 11.6M | 2.3M | 1.7M | 4.4M | 4.6M | 2.5M | 10.1M | 6M | 3.5M | 11.8M | 5.3M | 6.7M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-6.4M | -6.3M | -12.5M | -2.4M | -5.4M | -6.3M | -3.8M | -2.8M | -7M | -1.1M | -2.9M | -14.3K | -160.2K | -123.7K | -835K | -310.1K | -2.6M | -841K | -1.3M | -2M | |
(0.0) | (0.0) | -4.9M | (15.4M) | (46.1M) | (0.0) | (4.4M) | -178.3K | (0.0) | (33.5M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -1.4M | |
-131.4M | -130.6M | -347.9M | -436.2M | -94.1M | -17.6M | -72.1M | -54M | -23.3M | -23.2M | -27.5M | -52.4M | -33.5M | -19.2M | -110.1M | -117.4M | -33.6M | -15.6M | -7.2M | -16M | |
216.4M | 214.4M | 80.9M | 149.5M | 88M | 46.3M | 93.5M | 82.9M | 57.5M | 27.3M | 23.1M | 34.9M | 44M | 43.8M | 127.9M | 36.9M | 23.6M | 13M | 2M | 11.9M | |
-498.9M | -212.7M | -556.5M | 8.3M | -293.9M | -117.2M | -116.7M | -76.6M | -81.5M | -44.5M | -49.4M | -9.6M | -13.5M | 10.1M | 44M | 22.4M | -13.3M | -75.5M | -42.6M | -58.8M | |
-420.2M | -135.2M | -840.8M | -265M | -259.3M | -94.8M | -94.9M | -50.7M | -54.3M | -7.9M | -56.7M | -27.1M | -3.2M | (34.4M) | (60.9M) | -58.4M | -25.9M | -78.8M | -49.2M | -66.3M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-2.9M | 165K | 397K | -1M | -4M | 438K | 1.5M | 37.9M | 804K | 4M | 34.7K | 77K | 0.0 | 0.0 | 0.0 | 0.0 | -550.5K | -1.7M | 356.5K | 2.9M | |
-6.5M | -4.5M | -45.4M | 7.1M | 50M | 14.2M | -7.2M | 20.2M | -15.7M | -20M | 12M | -10.4M | -5.9M | -11.7M | -17.6M | 1.1M | 24.2M | 29.9M | 24M | 381.6K | |
-5.4M | -5.4M | -4.7M | -3.7M | -3M | -700K | (0.0) | -195K | -752K | -120K | -120K | -1.4M | -985.9K | -303.4K | -34.5K | -1.1M | -1.8M | -1.3M | -775.1K | -526.5K | |
-3M | (0.0) | (0.0) | -1.2M | -4.3M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -7.1B | (0.0) | (0.0) | -633K | (0.0) | (0.0) | (0.0) | |
417.5M | 191.1M | 55.1M | 779.8M | 485M | 119.1M | 82.5M | 47.9M | 47.1M | 54.9M | 10.4M | -79.5K | 21M | -16.3M | -71.3M | 68.7M | 7.6M | 37.4M | 23.4M | 64.6M | |
402.8M | 181.4M | 5.4M | 782.2M | 528M | 133.1M | 76.8M | 93.8M | 31.5M | 38.8M | 22.3M | -11.9M | 19M | -21.2M | -86.2M | 68.7M | 29.4M | 64.4M | 46.9M | 67.3M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
35.3M | 85.8M | -778.7M | 563.4M | 297.7M | 68.1M | 2.8M | 44.3M | -11.2M | 33.2M | -32.7M | -34.5M | 20.5M | 15.9M | -15.2M | 16.3M | 7M | -2.7M | 3M | 7.7M | |
352.3M | 266.4M | 1B | 481.7M | 184M | 115.8M | 113M | 68.7M | 80M | 46.7M | 79.4M | 59.4M | 38.9M | 23M | 38.2M | 21.9M | 14.9M | 17.6M | 14.6M | 6.9M | |
387.6M | 352.3M | 266.4M | 1B | 481.7M | 184M | 115.8M | 113M | 68.7M | 80M | 46.7M | 24.9M | 59.4M | 38.9M | 23M | 38.2M | 21.9M | 14.9M | 17.6M | 14.6M | |
46.3M | 33.4M | 44.3M | 43.8M | 23.6M | 23.6M | 17M | -1.6M | 4.6M | 1.3M | -1.2M | 4.4M | 4.5M | 2.3M | 9.3M | 5.7M | 907.7K | 10.9M | 4M | 4.7M |
SEC Filings
SMBK - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 22, 2026 | May 21, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 11, 2026 | March 31, 2026 | 2026 | |
S-3 S-3 N/A | May 01, 2026 | May 01, 2026 | ||
8-K 8-K 2026 N/A | April 30, 2026 | April 30, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 20, 2026 | April 20, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 07, 2026 | May 21, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 31, 2026 | March 31, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 16, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 30, 2026 | January 30, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 20, 2026 | January 20, 2026 | 2026 |
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