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SmartFinancial SMBK Free cash flow margin

Free cash flow margin at other companies

First Horizon logo
First HorizonFHN
30.4%—
Financial Institutions logo
Financial InstitutionsFISI
33%-35.0pp
Capital City Bank Group logo
Capital City Bank GroupCCBG
29.5%+3.6pp
First Commonwealth Financial logo
First Commonwealth FinancialFCF
32.8%+9.0pp
Trico Bancshares logo
Trico BancsharesTCBK
32.2%+6.0pp
Stock Yards Bancorp logo
Stock Yards BancorpSYBT
35.8%-1.5pp

Other financials

Income statement

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Revenue$53.8M+14.9%
Net income$13.7M+21.6%
EPS (diluted)$0.81+20.9%

Balance sheet

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Cash & equivalents$346.1M-18.2%
Total debt$11.4M-7.0%
Total equity$562.0M+11.1%
Total assets$5.9B+9.2%

Cash flow

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Operating cash flow$16.4M+14.5%
CapEx$6.2M+568%
Free cash flow$10.2M-24.0%

Valuation

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Market cap$790.12M+46.9%
Enterprise value$455.43M+258%
P/E15×+0.8×
P/S3.8×+0.8×

Profitability

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Net margin25.4%+4.1pp

Returns & leverage

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Return on equity9.9%+2.1pp
Debt / equity0×0.0×

Where this comes from

Calculated from SmartFinancial’s reported figures.

free cash flow/total revenue=27.1%

Based on trailing twelve months.

The official record: SmartFinancial’s 10-Q, filed May 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is SmartFinancial's free cash flow margin?
SmartFinancial (SMBK) reported free cash flow margin of 27.1% in Q1 2026.
How has SmartFinancial's free cash flow margin changed year-over-year?
SmartFinancial's free cash flow margin decreased by 13.1% year-over-year, from 31.1% to 27.1%.
What is the long-term trend for SmartFinancial's free cash flow margin?
Over 5 years (2020 to 2025), SmartFinancial's free cash flow margin has grown at a 7.8% compound annual growth rate (CAGR), from 20.3% to 29.6%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.