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. Check how high is SmartFinancial, Inc.'s earnings quality to evaluate the quality of earnings relative to operating cash generation.
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. Explore SMBK strategic capital deployment ratio to see how much of total assets are deployed in long-term investments.
Annual Cash Flow Reinvestment Rate for SmartFinancial, Inc. (2001–2024)
Year-by-year capital reinvestment analysis for SmartFinancial, Inc.. For live market cap and broader valuation context, see market cap of SmartFinancial, Inc..
| 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 | — |