SmartFinancial Cash Flow Statement
NYSE: SMBKFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
SmartFinancial free cash flow
In fiscal 2025, SmartFinancial generated $61.7 million of operating cash flow and spent $2.4 million on capital expenditures. That left free cash flow of $59.3 million, a free-cash-flow margin of 29.6% of revenue. Free cash flow was up 28.2% from the prior year's $46.3 million.
SmartFinancial returned $5.5 million to shareholders through dividends, equal to 9% of free cash flow. Free cash flow covered dividend payments 10.9 times.
Summary generated from market data by MetaCap's automated system. Methodology
SmartFinancial cash flow statement (annual)
| Fiscal year (USD) | FY 20252025-12-31 | FY 20242024-12-31 | FY 20232023-12-31 | FY 20222022-12-31 | FY 20212021-12-31 | FY 20202020-12-31 | FY 20192019-12-31 | FY 20182018-12-31 | FY 20172017-12-31 | FY 20162016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 50.35M | 36.14M | 28.59M | 43.02M | 34.79M | 24.33M | 26.55M | 18.10M | 5.02M | 5.80M |
| Net Income growth (YoY) | +39.31% | +26.40% | -33.54% | +23.66% | +42.98% | -8.35% | +46.66% | +260.95% | -13.52% | +284.10% |
| Depreciation & Amortization | 5.00M | 5.20M | 5.10M | 4.70M | 4.20M | 3.70M | 2.80M | 2.60M | -1.69M | 2.19M |
| Stock-Based Compensation | 1.94M | 1.63M | 1.35M | 1.30M | 693.00K | 482.00K | 517.00K | 397.00K | 154.30K | 132.63K |
| Change in Working Capital | -1.49M | 3.67M | -9.86M | 1.59M | -804.00K | 2.49M | 5.25M | -2.11M | — | — |
| Operating Cash Flow | 61.72M | 52.70M | 39.72M | 56.79M | 46.18M | 29.07M | 29.87M | 20.82M | 1.24M | 11.59M |
| Capital Expenditures | -2.39M | -6.41M | -6.27M | -12.49M | -2.38M | -5.44M | -6.27M | -3.85M | -2.80M | -6.99M |
| Investing Cash Flow | -499.05M | -420.22M | -135.24M | -840.82M | -264.99M | -259.34M | -94.78M | -94.88M | -50.73M | -54.31M |
| Dividends Paid | -5.45M | -5.42M | -5.43M | -4.72M | -3.73M | -2.99M | -700.00K | 0 | — | — |
| Share Repurchases | — | -2.97M | — | — | -1.21M | -4.31M | — | — | — | — |
| Debt Issued | 2.50M | 160.10M | 26.27M | 30.89M | 8.20M | 339.68M | 153.58M | — | — | — |
| Debt Repaid | — | -166.60M | -30.77M | -76.30M | -1.10M | -289.72M | -139.38M | — | — | — |
| Financing Cash Flow | 514.17M | 402.82M | 181.37M | 5.37M | 782.17M | 528.02M | 133.06M | 76.85M | 93.77M | 31.51M |
| Net Change in Cash | 76.85M | 35.30M | 85.85M | -778.65M | 563.36M | 297.75M | 68.15M | 2.79M | 44.28M | -11.22M |
| Free Cash Flow | 59.34M | 46.30M | 33.45M | 44.31M | 43.80M | 23.63M | 23.60M | 16.98M | -1.56M | 4.60M |
This table shows 10 annual periods of SmartFinancial's cash flow statement, from FY 2025 back to FY 2016, across 14 line items including net income, depreciation & amortization, stock-based compensation. Values in USD; B = billions, M = millions. Fiscal periods follow SMBK's reporting calendar. What is a cash flow statement?