SmartFinancial Quarterly Cash Flow Statement
NYSE: SMBKFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
SmartFinancial free cash flow
In the quarter ended Jun 30, 2026, SmartFinancial generated $23.7 million of operating cash flow and spent $1.2 million on capital expenditures. That left free cash flow of $22.5 million, a free-cash-flow margin of 40.2% of revenue. Free cash flow was up 69.6% from the prior year's $13.2 million.
SmartFinancial returned $1.5 million to shareholders through dividends, equal to 7% of free cash flow. Free cash flow covered dividend payments 14.6 times.
Summary generated from market data by MetaCap's automated system. Methodology
SmartFinancial cash flow statement (quarterly)
| Quarter (USD) | Q2 20262026-06-30 | Q1 20262026-03-31 | Q4 20252025-12-31 | Q3 20252025-09-30 | Q2 20252025-06-30 | Q1 20252025-03-31 | Q4 20242024-12-31 | Q3 20242024-09-30 | Q2 20242024-06-30 | Q1 20242024-03-31 | Q4 20232023-12-31 | Q3 20232023-09-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 16.32M | 13.68M | 13.70M | 13.69M | 11.71M | 11.25M | 9.64M | 9.14M | 8.00M | 9.36M | 6.19M | 2.07M |
| Net Income growth (YoY) | +39.44% | +21.56% | +42.13% | +49.74% | +46.26% | +20.26% | +55.75% | +342.19% | -9.43% | -18.63% | -52.40% | -82.09% |
| Depreciation & Amortization | 1.31M | 1.30M | 1.31M | 1.96M | 2.15M | 2.17M | 2.09M | 2.23M | 2.21M | 2.46M | 2.50M | 2.87M |
| Stock-Based Compensation | 557.00K | 714.00K | 227.00K | 478.00K | 473.00K | 761.00K | 363.00K | 372.00K | 376.00K | 518.00K | 173.00K | 272.00K |
| Change in Working Capital | 4.57M | -4.14M | -1.65M | 4.28M | 760.00K | -4.89M | 3.79M | 640.00K | 2.93M | -3.69M | 4.30M | -5.22M |
| Operating Cash Flow | 23.66M | 16.36M | 16.53M | 16.89M | 14.02M | 14.29M | 16.68M | 12.40M | 16.54M | 7.08M | 11.71M | 6.68M |
| Capital Expenditures | -1.20M | -6.20M | -354.00K | -328.00K | -778.00K | -929.00K | -1.33M | -1.05M | -1.10M | -2.91M | -2.25M | -957.00K |
| Investing Cash Flow | -175.55M | -176.65M | -171.45M | -95.25M | -133.37M | -98.98M | -183.93M | -160.53M | -72.75M | -3.02M | -78.64M | 85.91M |
| Dividends Paid | -1.54M | -1.37M | -1.36M | -1.37M | -1.36M | -1.36M | -1.35M | -1.35M | -1.35M | -1.36M | -1.36M | -1.36M |
| Share Repurchases | — | — | — | — | — | — | 0 | 1.00K | — | — | — | — |
| Debt Issued | — | — | 1.50M | 0 | — | — | 5.10M | 151.00M | — | — | 275.00K | 0 |
| Debt Repaid | — | — | — | -4.00M | — | — | -6.10M | -156.50M | -2.00M | -2.00M | -275.00K | 22.09M |
| Financing Cash Flow | 185.20M | 41.94M | 62.21M | 270.40M | 61.46M | 120.11M | 361.90M | -1.79M | -78.90M | 121.61M | 18.95M | 68.77M |
| Net Change in Cash | 33.32M | -118.35M | -92.71M | 192.03M | -57.89M | 35.41M | 194.66M | -149.92M | -135.11M | 125.67M | -47.99M | 161.36M |
| Free Cash Flow | 22.47M | 10.16M | 16.18M | 16.56M | 13.24M | 13.36M | 15.35M | 11.34M | 15.44M | 4.16M | 9.45M | 5.72M |
This table shows 12 quarterly periods of SmartFinancial's cash flow statement, from Q2 2026 back to Q3 2023, 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?