SmartFinancial, Inc. (SMBK)
NYSE: SMBK · Real-Time Price · USD
48.62
+0.89 (1.86%)
Nov 9, 2026, 1:31 PM EST - Market open
SmartFinancial Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 50.35 | 36.14 | 28.59 | 43.02 | 34.79 |
Depreciation & Amortization | 9.74 | 11.42 | 13.5 | 12.64 | 9 |
Gain (Loss) on Sale of Assets | -3.31 | -0.65 | 0.1 | -0.16 | 0.16 |
Gain (Loss) on Sale of Investments | 3.72 | -0.06 | 6.8 | -0.14 | -0.05 |
Total Asset Writedown | - | - | - | -2.16 | -4.51 |
Provision for Credit Losses | 7.75 | 5.15 | 3.03 | 4.02 | 1.63 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | -2.3 | -0.12 | -1.63 | 4.9 | 10.66 |
Accrued Interest Receivable | -1.45 | -0.9 | -2.99 | -4.24 | 0.81 |
Change in Other Net Operating Assets | -1.49 | 3.67 | -9.86 | 1.59 | -0.8 |
Other Operating Activities | -4.08 | -2.36 | -0.66 | -2.41 | -1.07 |
Operating Cash Flow | 61.72 | 52.7 | 39.72 | 56.79 | 46.18 |
Operating Cash Flow Growth | 17.12% | 32.69% | -30.07% | 22.98% | 58.87% |
Investing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -2.39 | -6.41 | -6.27 | -12.49 | -2.38 |
Sale of Property, Plant and Equipment | 0.12 | 4.7 | 0.68 | 1.46 | - |
Cash Acquisitions | - | - | - | -4.88 | 15.36 |
Investment in Securities | -40.62 | 79.1 | 80.96 | -268.97 | -286.71 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -464.34 | -469.25 | -213.59 | -558.39 | 46.64 |
Other Investing Activities | 8.18 | -28.36 | 2.98 | 2.45 | -40.74 |
Investing Cash Flow | -499.05 | -420.22 | -135.24 | -840.82 | -264.99 |
Financing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Short-Term Debt Issued | - | - | 0.3 | - | - |
Long-Term Debt Issued | 101.07 | 160.1 | 26.28 | 30.89 | 8.2 |
Total Debt Issued | 101.07 | 160.1 | 26.58 | 30.89 | 8.2 |
Short-Term Debt Repaid | -1.13 | -0.94 | - | -0.31 | -1.51 |
Long-Term Debt Repaid | -46.5 | -166.6 | -30.78 | -76.3 | -1.1 |
Total Debt Repaid | -47.63 | -167.54 | -30.78 | -76.61 | -2.61 |
Net Debt Issued (Repaid) | 53.44 | -7.44 | -4.2 | -45.73 | 5.59 |
Issuance of Common Stock | 0.15 | 0.07 | 0.17 | 0.4 | 0.21 |
Repurchase of Common Stock | -0.31 | -3.19 | -0.06 | -0.21 | -1.21 |
Common Dividends Paid | -5.45 | -5.42 | -5.43 | -4.72 | -3.73 |
Total Dividends Paid | -5.45 | -5.42 | -5.43 | -4.72 | -3.73 |
Net Increase (Decrease) in Deposit Accounts | 466.34 | 418.7 | 190.89 | 55.63 | 781.32 |
Other Financing Activities | - | 0.11 | - | - | - |
Financing Cash Flow | 514.17 | 402.82 | 181.37 | 5.37 | 782.17 |
Net Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | 76.85 | 35.3 | 85.85 | -778.65 | 563.36 |
Free Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 59.34 | 46.3 | 33.45 | 44.31 | 43.81 |
Free Cash Flow Growth | 28.17% | 38.42% | -24.51% | 1.14% | 85.38% |
Free Cash Flow Margin | 30.79% | 27.83% | 22.39% | 27.48% | 32.28% |
Free Cash Flow Per Share | 3.51 | 2.74 | 1.98 | 2.63 | 2.79 |