SmartFinancial, Inc. (SMBK) — Defensive Interval Ratio
SmartFinancial, Inc. (SMBK) has a Defensive Interval Ratio of 359 days as of December 2025. Defensive assets of $4.95 Billion (cash $-, short-term investments $659.40 Million, receivables $4.30 Billion) cover 359 days of daily cash needs of $13.80 Million/day. Check SmartFinancial, Inc. (SMBK) tangible net worth to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
SmartFinancial, Inc. Defensive Interval Ratio (2002–2025)
This chart shows how SmartFinancial, Inc.'s Defensive Interval Ratio has evolved across 24 annual periods from 2002 to 2025. As of December 2025, the ratio stands at 359 days, meaning defensive assets of $4.95 Billion can fund 359 days of operations without new revenue. Also explore net asset growth rate of SmartFinancial, Inc. to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for SmartFinancial, Inc. (2002–2025)
The table below presents the year-by-year Defensive Interval Ratio for SmartFinancial, Inc. from 2002 to 2025, covering 24 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see market value of SmartFinancial, Inc..
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 359 days | $4.95 Billion | $13.80 Million/day | $- | $659.40 Million | ▲ +330 days |
| 2024 | 29 days | $375.18 Million | $12.86 Million/day | $- | $311.22 Million | ▼ -11 days |
| 2023 | 41 days | $476.52 Million | $11.73 Million/day | $- | $408.41 Million | ▼ -16058 days |
| 2022 | 16099 days | $551.32 Million | $34.25K/day | $- | $483.89 Million | ▼ -11422 days |
| 2021 | 27521 days | $536.16 Million | $19.48K/day | $- | $482.45 Million | ▲ +3591 days |
| 2020 | 23929 days | $2.58 Billion | $107.80K/day | $- | $215.63 Million | ▲ +23898 days |
| 2019 | 32 days | $178.35 Million | $5.63 Million/day | $- | $178.35 Million | ▼ -6 days |
| 2018 | 38 days | $201.69 Million | $5.32 Million/day | $- | $201.69 Million | ▲ +0 days |
| 2017 | 38 days | $151.94 Million | $4.03 Million/day | $- | $151.94 Million | ▼ -13 days |
| 2016 | 50 days | $129.42 Million | $2.57 Million/day | $- | $129.42 Million | ▼ -18 days |
| 2015 | 69 days | $170.89 Million | $2.49 Million/day | $- | $166.41 Million | ▼ -7 days |
| 2014 | 76 days | $100.02 Million | $1.32 Million/day | $- | $98.88 Million | ▼ -18 days |
| 2013 | 93 days | $93.19 Million | $998.55K/day | $- | $92.21 Million | ▲ +16 days |
| 2012 | 77 days | $77.31 Million | $998.87K/day | $- | $76.10 Million | ▼ -15 days |
| 2011 | 93 days | $87.38 Million | $941.21K/day | $- | $86.06 Million | ▲ +91 days |
| 2010 | 1 days | $1.33 Million | $986.16K/day | $- | $- | ▲ +0 days |
| 2009 | 1 days | $1.52 Million | $1.18 Million/day | $- | $- | ▼ 0 days |
| 2008 | 2 days | $1.77 Million | $994.09K/day | $- | $- | ▼ -1 days |
| 2007 | 2 days | $2.41 Million | $972.67K/day | $- | $- | ▼ -45 days |
| 2006 | 47 days | $38.34 Million | $809.25K/day | $- | $36.22 Million | ▲ +3 days |
| 2005 | 45 days | $31.44 Million | $705.40K/day | $- | $29.70 Million | ▲ +42 days |
| 2004 | 2 days | $1.18 Million | $535.16K/day | $- | $- | ▼ -54739 days |
| 2003 | 54741 days | $24.83 Billion | $453.53K/day | $- | $24.83 Billion | ▼ -2908 days |
| 2002 | 57650 days | $21.18 Billion | $367.32K/day | $- | $21.17 Billion | — |