SmartFinancial, Inc. (SMBK) — Cash Flow Reinvestment Rate
SmartFinancial, Inc. (SMBK) has a Cash Flow Reinvestment Rate of 1.33x as of March 2026, reinvesting $21.75 Million (capex $6.20 Million plus investments $-15.54 Million) from operating cash flow of $16.36 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 (2001–2025)
Historical reinvestment intensity for SmartFinancial, Inc. across 25 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. (2001–2025)
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 |
|---|---|---|---|---|---|
| 2025 | 0.68x | $41.96 Million | $61.72 Million | $2.39 Million | ▼ -91.6% |
| 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 | ▲ +937.8% |
| 2007 | 0.07x | $840.64K | $11.78 Million | $840.64K | ▼ -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 | — |