SmartFinancial, Inc. (SMBK)
NYSE: SMBK · Real-Time Price · USD
37.15
-0.22 (-0.59%)
Dec 5, 2025, 4:00 PM EST - Market closed
SmartFinancial Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2015 - 2019 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2015 - 2019 |
| Net Income | 46.29 | 36.14 | 28.59 | 43.02 | 34.79 | 24.33 | Upgrade
|
| Depreciation & Amortization | 10.64 | 11.42 | 13.5 | 12.64 | 9 | 7.76 | Upgrade
|
| Gain (Loss) on Sale of Assets | -3.01 | -0.65 | 0.1 | -0.16 | 0.16 | 0.19 | Upgrade
|
| Gain (Loss) on Sale of Investments | 3.66 | -0.06 | 6.8 | -0.14 | -0.05 | -0.01 | Upgrade
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| Total Asset Writedown | - | - | - | -2.16 | -4.51 | -4.46 | Upgrade
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| Provision for Credit Losses | 5.75 | 5.15 | 3.03 | 4.02 | 1.63 | 8.68 | Upgrade
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| Net Decrease (Increase) in Loans Originated / Sold - Operating | -1.79 | -0.12 | -1.63 | 4.9 | 10.66 | -1.99 | Upgrade
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| Accrued Interest Receivable | -1.55 | -0.9 | -2.99 | -4.24 | 0.81 | -2.46 | Upgrade
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| Change in Other Net Operating Assets | 3.94 | 3.67 | -9.86 | 1.59 | -0.8 | 2.49 | Upgrade
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| Other Operating Activities | -4.24 | -2.36 | -0.66 | -2.41 | -1.07 | -1.93 | Upgrade
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| Operating Cash Flow | 61.88 | 52.7 | 39.72 | 56.79 | 46.18 | 29.07 | Upgrade
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| Operating Cash Flow Growth | 29.66% | 32.69% | -30.07% | 22.98% | 58.87% | -2.67% | Upgrade
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| Capital Expenditures | -3.37 | -6.41 | -6.27 | -12.49 | -2.38 | -5.44 | Upgrade
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| Sale of Property, Plant and Equipment | 0.12 | 4.7 | 0.68 | 1.46 | - | - | Upgrade
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| Cash Acquisitions | - | - | - | -4.88 | 15.36 | 46.13 | Upgrade
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| Investment in Securities | -4.68 | 79.1 | 80.96 | -268.97 | -286.71 | -6.19 | Upgrade
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| Net Decrease (Increase) in Loans Originated / Sold - Investing | -509.4 | -469.25 | -213.59 | -558.39 | 46.64 | -293.96 | Upgrade
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| Other Investing Activities | 5.8 | -28.36 | 2.98 | 2.45 | -40.74 | -1.19 | Upgrade
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| Investing Cash Flow | -511.53 | -420.22 | -135.24 | -840.82 | -264.99 | -259.34 | Upgrade
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| Short-Term Debt Issued | - | - | 0.3 | - | - | - | Upgrade
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| Long-Term Debt Issued | - | 160.1 | 26.28 | 30.89 | 8.2 | 339.68 | Upgrade
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| Total Debt Issued | 104.68 | 160.1 | 26.58 | 30.89 | 8.2 | 339.68 | Upgrade
|
| Short-Term Debt Repaid | - | -0.94 | - | -0.31 | -1.51 | -0.38 | Upgrade
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| Long-Term Debt Repaid | - | -166.6 | -30.78 | -76.3 | -1.1 | -289.72 | Upgrade
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| Total Debt Repaid | -13.8 | -167.54 | -30.78 | -76.61 | -2.61 | -290.1 | Upgrade
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| Net Debt Issued (Repaid) | 90.89 | -7.44 | -4.2 | -45.73 | 5.59 | 49.58 | Upgrade
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| Issuance of Common Stock | 0.15 | 0.07 | 0.17 | 0.4 | 0.21 | 0.34 | Upgrade
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| Repurchase of Common Stock | -0.29 | -3.19 | -0.06 | -0.21 | -1.21 | -4.31 | Upgrade
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| Common Dividends Paid | -5.44 | -5.42 | -5.43 | -4.72 | -3.73 | -2.99 | Upgrade
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| Total Dividends Paid | -5.44 | -5.42 | -5.43 | -4.72 | -3.73 | -2.99 | Upgrade
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| Net Increase (Decrease) in Deposit Accounts | 728.45 | 418.7 | 190.89 | 55.63 | 781.32 | 485.4 | Upgrade
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| Other Financing Activities | 0.11 | 0.11 | - | - | - | - | Upgrade
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| Financing Cash Flow | 813.86 | 402.82 | 181.37 | 5.37 | 782.17 | 528.02 | Upgrade
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| Net Cash Flow | 364.21 | 35.3 | 85.85 | -778.65 | 563.36 | 297.75 | Upgrade
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| Free Cash Flow | 58.51 | 46.3 | 33.45 | 44.31 | 43.81 | 23.63 | Upgrade
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| Free Cash Flow Growth | 44.84% | 38.42% | -24.51% | 1.14% | 85.38% | 0.14% | Upgrade
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| Free Cash Flow Margin | 31.09% | 27.83% | 22.39% | 27.48% | 32.28% | 21.96% | Upgrade
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| Free Cash Flow Per Share | 3.46 | 2.74 | 1.98 | 2.63 | 2.79 | 1.57 | Upgrade
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| Cash Interest Paid | 115.42 | 113.67 | 85.44 | 21.36 | 12.16 | 16.9 | Upgrade
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| Cash Income Tax Paid | 11.17 | 8.77 | 9.35 | 12.21 | 9.28 | 8.61 | Upgrade
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Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.