SmartFinancial, Inc. Cash Flow Conversion Efficiency
SmartFinancial, Inc. cash flow conversion efficiency. Based on the latest financial reports, SmartFinancial, Inc. (SMBK) has a cash flow conversion efficiency ratio of 0.031x as of September 2025. Cash flow conversion efficiency measures how effectively a company's net assets (equity) generate operating cash flow. It is calculated by dividing operating cash flow ($16.89 Million) by net assets ($538.48 Million). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations.
Cash Flow Conversion Efficiency of SmartFinancial, Inc. (2001–2024)
Cash flow conversion efficiency of SmartFinancial, Inc. from 2001 to 2024. This chart illustrates how SmartFinancial, Inc.'s cash flow conversion efficiency has evolved over time, based on yearly financial data. View latest SmartFinancial, Inc. stock price today for real-time trading data and today's change.
SmartFinancial, Inc. Cash Flow Conversion Ratio Explained
SmartFinancial, Inc. cash flow conversion ratio divides operating cash flow by net assets, so a higher ratio means more cash generated from each unit of shareholder equity.
SmartFinancial, Inc. Competitors by Cash Flow Conversion Efficiency
The table below lists competitors of SmartFinancial, Inc. ranked by their cash flow conversion efficiency. Also see market cap of SmartFinancial, Inc. for the company's overall valuation and market capitalisation.
| Company | Cash Flow Conversion Efficiency |
|---|---|
|
Unity Bancorp Inc
NASDAQ:UNTY
|
-0.104x |
|
Luyin Investment Group Co Ltd
SHG:600784
|
-0.007x |
|
APG SGA SA
SW:APGN
|
0.096x |
|
First Business Financial Services
NASDAQ:FBIZ
|
0.111x |
|
Shenzhen Sinovatio Technology Co Ltd Class A
SHE:002912
|
-0.022x |
|
Jiangxi Sunshine Dairy Co Ltd
SHE:001318
|
0.026x |
|
Contec Medical Systems Co Ltd
SHE:300869
|
0.003x |
|
Chularat Hospital Public Company Limited
BK:CHG-R
|
0.040x |
Annual Cash Flow Conversion Efficiency for SmartFinancial, Inc. (2001–2024)
The table below shows the annual cash flow conversion efficiency of SmartFinancial, Inc. from 2001 to 2024. Review SMBK cash flow after capex ratio to assess how much free cash flow the company generates relative to operating cash flow.
| Year | Net Assets | Operating Cash Flow | Cash Flow Conversion Efficiency | Change |
|---|---|---|---|---|
| 2024-12-31 | $491.46 Million | $52.70 Million | 0.107x | +24.17% |
| 2023-12-31 | $459.89 Million | $39.72 Million | 0.086x | -34.24% |
| 2022-12-31 | $432.45 Million | $56.79 Million | 0.131x | +22.12% |
| 2021-12-31 | $429.43 Million | $46.18 Million | 0.108x | +1078.09% |
| 2020-12-31 | $3.18 Billion | $29.07 Million | 0.009x | -90.44% |
| 2019-12-31 | $312.75 Million | $29.87 Million | 0.095x | +29.78% |
| 2018-12-31 | $283.01 Million | $20.82 Million | 0.074x | +1121.38% |
| 2017-12-31 | $205.85 Million | $1.24 Million | 0.006x | -94.53% |
| 2016-12-31 | $105.24 Million | $11.59 Million | 0.110x | +371.21% |
| 2015-12-31 | $100.18 Million | $2.34 Million | 0.023x | -22.62% |
| 2014-12-31 | $55.89 Million | $1.69 Million | 0.030x | -72.58% |
| 2013-12-31 | $40.13 Million | $4.42 Million | 0.110x | -2.98% |
| 2012-12-31 | $40.89 Million | $4.64 Million | 0.114x | +62.57% |
| 2011-12-31 | $35.21 Million | $2.46 Million | 0.070x | -82.16% |
| 2010-12-31 | $25.82 Million | $10.11 Million | 0.392x | +80.22% |
| 2009-12-31 | $27.84 Million | $6.05 Million | 0.217x | +126.77% |
| 2008-12-31 | $36.50 Million | $3.50 Million | 0.096x | -70.46% |
| 2007-12-31 | $36.33 Million | $11.78 Million | 0.324x | +133.63% |
| 2006-12-31 | $38.18 Million | $5.30 Million | 0.139x | -32.58% |
| 2005-12-31 | $32.47 Million | $6.69 Million | 0.206x | +12.26% |
| 2004-12-31 | $24.81 Million | $4.55 Million | 0.183x | -33.94% |
| 2003-12-31 | $16.90 Million | $4.69 Million | 0.278x | +31.43% |
| 2002-12-31 | $15.15 Million | $3.20 Million | 0.211x | +112.30% |
| 2001-12-31 | $14.08 Billion | $1.40 Billion | 0.100x | -- |
About SmartFinancial, Inc.
SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in Tennessee, Alabama, and Florida. The company accepts various deposits, including noninterest-bearing and interest-bearing checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. It also provides … Read more