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SmartFinancial SMBK Free cash flow

Free cash flow at other companies

Financial Institutions logo
Financial InstitutionsFISI
$23.04M+151%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$14.66M-24.8%
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Trico BancsharesTCBK
$32.99M+44.5%
Center Bancorp logo
Center BancorpCNOB
$14.03M-4.1%
Stock Yards Bancorp logo
Stock Yards BancorpSYBT
$9.51M-46.7%
First Horizon logo
First HorizonFHN
——

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%

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
FCF margin27.1%-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.

$16.4Mnet cash from operating−$6.2Mcapital expenditures=$10.16M

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?
SmartFinancial (SMBK) reported free cash flow of $10.16M in Q1 2026.
How has SmartFinancial's free cash flow changed year-over-year?
SmartFinancial's free cash flow decreased by 24.0% year-over-year, from $13.36M to $10.16M.
What is the long-term trend for SmartFinancial's free cash flow?
Over 4 years (2021 to 2025), SmartFinancial's free cash flow has grown at a 7.2% compound annual growth rate (CAGR), from $44.95M to $59.34M.
What does free cash flow mean?
Free cash flow represents the cash generated by a company after accounting for cash outflows to support operations and maintain or expand its capital asset base. It serves as a critical indicator of a company's ability to fund organic growth, pay down debt, or return capital to shareholders without relying on external financing.