SmartFinancial, Inc. (SMBK) — Cash Flow Reinvestment Rate
SmartFinancial, Inc. (SMBK) has a Cash Flow Reinvestment Rate of 5.66x as of September 2025, reinvesting $95.58 Million (capex $328.00K plus investments $-95.25 Million) from operating cash flow of $16.89 Million. See how much free cash does SmartFinancial, Inc. generate to measure how efficiently the company converts operating cash flow to free cash.
Reinvestment Rate
Total Reinvested
Operating Cash Flow
Capital Expenditures
SmartFinancial, Inc. Cash Flow Reinvestment Rate (2001–2024)
Historical reinvestment intensity for SmartFinancial, Inc. across 24 annual periods. For the full cash flow conversion analysis, see cash efficiency ratio of SmartFinancial, Inc..
Annual Cash Flow Reinvestment Rate for SmartFinancial, Inc. (2001–2024)
Year-by-year capital reinvestment analysis for SmartFinancial, Inc.. See SmartFinancial, Inc. financial flexibility index to measure the company's free cash flow as a share of total liabilities.
| Year | Reinvestment Rate | Total Reinvested (USD) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 2024 | 8.10x | $426.63 Million | $52.70 Million | $6.41 Million | ▲ +85.0% |
| 2023 | 4.38x | $173.82 Million | $39.72 Million | $6.27 Million | ▼ -70.3% |
| 2022 | 14.75x | $837.85 Million | $56.79 Million | $12.49 Million | ▲ +181.5% |
| 2021 | 5.24x | $242.01 Million | $46.18 Million | $2.38 Million | ▼ -42.5% |
| 2020 | 9.11x | $264.78 Million | $29.07 Million | $5.44 Million | ▲ +149.5% |
| 2019 | 3.65x | $109.02 Million | $29.87 Million | $6.27 Million | ▼ -24.1% |
| 2018 | 4.81x | $100.16 Million | $20.82 Million | $3.85 Million | ▼ -89.9% |
| 2017 | 47.52x | $58.94 Million | $1.24 Million | $2.80 Million | ▲ +798.5% |
| 2016 | 5.29x | $61.31 Million | $11.59 Million | $6.99 Million | ▲ +136.5% |
| 2015 | 2.24x | $5.24 Million | $2.34 Million | $1.08 Million | ▼ -47.7% |
| 2014 | 4.28x | $7.22 Million | $1.69 Million | $2.85 Million | ▲ +132606.4% |
| 2013 | 0.00x | $14.25K | $4.42 Million | $14.25K | ▼ -90.7% |
| 2012 | 0.03x | $160.16K | $4.64 Million | $160.16K | ▼ -31.4% |
| 2011 | 0.05x | $123.67K | $2.46 Million | $123.67K | ▼ -39.1% |
| 2010 | 0.08x | $835.01K | $10.11 Million | $835.01K | ▲ +61.1% |
| 2009 | 0.05x | $310.11K | $6.05 Million | $310.11K | ▼ -93.1% |
| 2008 | 0.74x | $2.59 Million | $3.50 Million | $2.59 Million | ▲ +937.4% |
| 2007 | 0.07x | $841.00K | $11.78 Million | $841.00K | ▼ -70.4% |
| 2006 | 0.24x | $1.28 Million | $5.30 Million | $1.28 Million | ▼ -18.5% |
| 2005 | 0.30x | $1.98 Million | $6.69 Million | $1.98 Million | ▼ -44.4% |
| 2004 | 0.53x | $2.42 Million | $4.55 Million | $2.42 Million | ▲ +296.5% |
| 2003 | 0.13x | $630.75K | $4.69 Million | $630.75K | ▲ +61.8% |
| 2002 | 0.08x | $265.74K | $3.20 Million | $265.74K | — |
| 2001 | 0.00x | $0.00 | $1.40 Billion | $0.00 | — |