SmartFinancial, Inc. (SMBK) — 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. Explore how well can SmartFinancial, Inc. service its debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
SmartFinancial, Inc. Cash Flow Quality Index (2001–2024)
Historical Cash Flow Quality Index for SmartFinancial, Inc. across 22 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see SMBK cash flow conversion.
Annual Cash Flow Quality Index for SmartFinancial, Inc. (2001–2024)
Year-by-year earnings quality comparison for SmartFinancial, Inc..
| 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 | — |