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SmartFinancial SMBK Net Change in Cash

Net Change in Cash at other companies

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First HorizonFHN
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Regions FinancialRF
-$1.22B
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Civista BancsharesCIVB
-$21.78M
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-$9.24M
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-$23.3M-129%
First Business Financial Services logo
First Business Financial ServicesFBIZ
$97.64M+656%

Other financials

Income statement

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Revenue$56.0M+13.6%
Net income$16.3M+39.4%
EPS (diluted)$0.96+39.1%

Balance sheet

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Cash & equivalents$379.4M+3.9%
Total debt$11.0M-11.6%
Total equity$576.8M+11.1%
Total assets$6.1B+11.4%

Cash flow

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Operating cash flow$23.7M+68.8%
CapEx$1.2M+53.9%
Free cash flow$22.5M+69.6%

Valuation

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Market cap$901.43M+58.4%
Enterprise value$533.05M+146%
P/E15.7×+2.1×
P/S4.2×+1.2×

Profitability

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Net margin26.8%+4.5pp
FCF margin30.5%+2.0pp

Returns & leverage

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Return on equity10.5%+2.1pp
Debt / equity0.0×

Where this comes from

Reported directly by SmartFinancial in its filing.

Tagged under the XBRL concept us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect.

The source filing: SmartFinancial’s 10-Q, filed May 11, 2026.

Filed
May 11, 2026, 5:01 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001104659-26-058728
Line itemThree Months Ended March 31, 2026Three Months Ended March 31, 2025
Issuance of common stock63
Restricted stock withheld for taxes(311)(265)
Net cash provided by financing activities41,941120,105
Net change in cash and cash equivalents(118,346)35,414
Cash and cash equivalents, beginning of period464,417387,570
Cash and cash equivalents, end of period$346,071$422,984
Supplemental disclosures of cash flow information:
Cash paid during the period for interest$31,283$26,950

Item 1. Consolidated Financial Statements (Unaudited)

FAQ

What is SmartFinancial's net change in cash?
SmartFinancial (SMBK) reported net change in cash of -$118.35M in Q1 2026.
How has SmartFinancial's net change in cash changed year-over-year?
SmartFinancial's net change in cash decreased by 434.2% year-over-year, from $35.41M to -$118.35M.
What is the long-term trend for SmartFinancial's net change in cash?
Over 2 years (2021 to 2024), SmartFinancial's net change in cash has grown at a -75.9% compound annual growth rate (CAGR), from $609.44M to $35.3M.
What does net change in cash mean?
Total increase or decrease in cash during the period — the sum of operating, investing, financing cash flows plus FX effects.

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