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 long-term investment intensity of SmartFinancial, Inc. to see how much of total assets are deployed in long-term investments.
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. Check tangible equity quality of SmartFinancial, Inc. to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for SmartFinancial, Inc. (2001–2024)
Year-by-year earnings quality comparison for SmartFinancial, Inc.. For live market cap and the full company financial profile, see SMBK stock market capitalisation.
| 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 | — |