SmartFinancial, Inc. Cash Flow Quality Index
SmartFinancial, Inc. cash flow quality index. SmartFinancial, Inc. (SMBK) has a Cash Flow Quality Index of 1.23x as of September 2025. Operating cash flow of $16.89 Million exceeds net income of $13.69 Million, indicating high earnings quality where cash backs reported profits. See SmartFinancial, Inc. (SMBK) financial flexibility to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of SmartFinancial, Inc. (2001–2024)
Cash flow quality index of SmartFinancial, Inc. from 2001 to 2024. Historical Cash Flow Quality Index for SmartFinancial, Inc. across 22 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore how well can SmartFinancial, Inc. service its debt to assess how comfortably operating cash covers total debt obligations.
SmartFinancial, Inc. Cash Flow Quality Index by Year (2001–2024)
SmartFinancial, Inc. cash flow quality index by year from 2001 to 2024. Year-by-year earnings quality comparison for SmartFinancial, Inc.. For the full cash flow conversion analysis, see SmartFinancial, Inc. (SMBK) cash conversion ratio.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.46x | $52.70 Million | $36.14 Million | ▲ +5.0% |
| 2023 | 1.39x | $39.72 Million | $28.59 Million | ▲ +5.2% |
| 2022 | 1.32x | $56.79 Million | $43.02 Million | ▼ -0.6% |
| 2021 | 1.33x | $46.18 Million | $34.79 Million | ▲ +11.1% |
| 2020 | 1.19x | $29.07 Million | $24.33 Million | ▲ +6.2% |
| 2019 | 1.12x | $29.87 Million | $26.55 Million | ▼ -2.2% |
| 2018 | 1.15x | $20.82 Million | $18.10 Million | ▲ +365.2% |
| 2017 | 0.25x | $1.24 Million | $5.02 Million | ▼ -87.6% |
| 2016 | 2.00x | $11.59 Million | $5.80 Million | ▲ +28.9% |
| 2015 | 1.55x | $2.34 Million | $1.51 Million | ▲ +68.4% |
| 2014 | 0.92x | $1.69 Million | $1.83 Million | ▼ -65.0% |
| 2013 | 2.63x | $4.42 Million | $1.68 Million | ▼ -20.6% |
| 2012 | 3.31x | $4.64 Million | $1.40 Million | ▲ +38.7% |
| 2011 | 2.39x | $2.46 Million | $1.03 Million | ▲ +71.5% |
| 2008 | 1.39x | $3.50 Million | $2.51 Million | ▼ -89.7% |
| 2007 | 13.53x | $11.78 Million | $871.15K | ▲ +1382.8% |
| 2006 | 0.91x | $5.30 Million | $5.81 Million | ▼ -41.0% |
| 2005 | 1.55x | $6.69 Million | $4.32 Million | ▼ -12.6% |
| 2004 | 1.77x | $4.55 Million | $2.57 Million | ▼ -29.0% |
| 2003 | 2.49x | $4.69 Million | $1.88 Million | ▼ -17.3% |
| 2002 | 3.02x | $3.20 Million | $1.06 Million | ▲ +22.6% |
| 2001 | 2.46x | $1.40 Billion | $569.61 Million | — |