SmartFinancial, Inc. (SMBK) — Cash Flow-to-Debt Ratio
SmartFinancial, Inc. (SMBK) has a Cash Flow-to-Debt Ratio of 0.00x as of September 2025, meaning its operating cash flow of $16.89 Million could theoretically repay 0% of its total liabilities ($5.25 Billion) in one year. See free cash flow generation of SmartFinancial, Inc. to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
SmartFinancial, Inc. Cash Flow-to-Debt Ratio (2001–2024)
Historical debt coverage capacity for SmartFinancial, Inc. across 24 annual periods. Also explore SmartFinancial, Inc. net asset momentum to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for SmartFinancial, Inc. (2001–2024)
Year-by-year debt coverage analysis for SmartFinancial, Inc.. For market capitalisation and broader financial context, see SmartFinancial, Inc. market capitalisation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2024 | 0.01x | $52.70 Million | $4.78 Billion | ▲ +21.2% |
| 2023 | 0.01x | $39.72 Million | $4.37 Billion | ▼ -33.1% |
| 2022 | 0.01x | $56.79 Million | $4.18 Billion | ▲ +23.0% |
| 2021 | 0.01x | $46.18 Million | $4.18 Billion | ▼ -95.4% |
| 2020 | 0.24x | $29.07 Million | $120.55 Million | ▲ +1625.0% |
| 2019 | 0.01x | $29.87 Million | $2.14 Billion | ▲ +33.7% |
| 2018 | 0.01x | $20.82 Million | $1.99 Billion | ▲ +1177.4% |
| 2017 | 0.00x | $1.24 Million | $1.51 Billion | ▼ -93.2% |
| 2016 | 0.01x | $11.59 Million | $957.22 Million | ▲ +377.7% |
| 2015 | 0.00x | $2.34 Million | $923.79 Million | ▼ -28.2% |
| 2014 | 0.00x | $1.69 Million | $477.91 Million | ▼ -68.7% |
| 2013 | 0.01x | $4.42 Million | $392.09 Million | ▼ -3.0% |
| 2012 | 0.01x | $4.64 Million | $399.57 Million | ▲ +83.1% |
| 2011 | 0.01x | $2.46 Million | $387.45 Million | ▼ -73.9% |
| 2010 | 0.02x | $10.11 Million | $415.68 Million | ▲ +102.9% |
| 2009 | 0.01x | $6.05 Million | $504.57 Million | ▲ +49.2% |
| 2008 | 0.01x | $3.50 Million | $435.30 Million | ▼ -72.2% |
| 2007 | 0.03x | $11.78 Million | $408.09 Million | ▲ +83.4% |
| 2006 | 0.02x | $5.30 Million | $336.76 Million | ▼ -31.5% |
| 2005 | 0.02x | $6.69 Million | $291.15 Million | ▲ +12.9% |
| 2004 | 0.02x | $4.55 Million | $223.81 Million | ▼ -20.3% |
| 2003 | 0.03x | $4.69 Million | $184.09 Million | ▲ +15.3% |
| 2002 | 0.02x | $3.20 Million | $144.76 Million | ▲ +102.6% |
| 2001 | 0.01x | $1.40 Billion | $128.38 Billion | — |