SmartFinancial, Inc. (SMBK) — Financial Flexibility Index
SmartFinancial, Inc. (SMBK) has a Financial Flexibility Index of 0.00x as of September 2025. Free cash flow of $17.21 Million (operating CF $16.89 Million minus capex $328.00K) represents 0% of total liabilities ($5.25 Billion). Check SmartFinancial, Inc. PP&E and investment ratio to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
SmartFinancial, Inc. Financial Flexibility Index (2001–2024)
Historical Financial Flexibility Index trend for SmartFinancial, Inc. across 24 annual periods. See SMBK working capital efficiency to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for SmartFinancial, Inc. (2001–2024)
Year-by-year free cash flow to debt coverage for SmartFinancial, Inc.. For the full company profile including market capitalisation, see SMBK market cap.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.01x | $59.10 Million | $52.70 Million | $4.78 Billion | ▲ +17.4% |
| 2023 | 0.01x | $45.99 Million | $39.72 Million | $4.37 Billion | ▼ -36.5% |
| 2022 | 0.02x | $69.28 Million | $56.79 Million | $4.18 Billion | ▲ +42.7% |
| 2021 | 0.01x | $48.56 Million | $46.18 Million | $4.18 Billion | ▼ -95.9% |
| 2020 | 0.29x | $34.51 Million | $29.07 Million | $120.55 Million | ▲ +1592.5% |
| 2019 | 0.02x | $36.13 Million | $29.87 Million | $2.14 Billion | ▲ +36.5% |
| 2018 | 0.01x | $24.67 Million | $20.82 Million | $1.99 Billion | ▲ +364.7% |
| 2017 | 0.00x | $4.04 Million | $1.24 Million | $1.51 Billion | ▼ -86.3% |
| 2016 | 0.02x | $18.59 Million | $11.59 Million | $957.22 Million | ▲ +424.0% |
| 2015 | 0.00x | $3.42 Million | $2.34 Million | $923.79 Million | ▼ -61.0% |
| 2014 | 0.01x | $4.54 Million | $1.69 Million | $477.91 Million | ▼ -16.0% |
| 2013 | 0.01x | $4.44 Million | $4.42 Million | $392.09 Million | ▼ -5.9% |
| 2012 | 0.01x | $4.80 Million | $4.64 Million | $399.57 Million | ▲ +80.3% |
| 2011 | 0.01x | $2.58 Million | $2.46 Million | $387.45 Million | ▼ -74.7% |
| 2010 | 0.03x | $10.94 Million | $10.11 Million | $415.68 Million | ▲ +108.9% |
| 2009 | 0.01x | $6.36 Million | $6.05 Million | $504.57 Million | ▼ -9.9% |
| 2008 | 0.01x | $6.09 Million | $3.50 Million | $435.30 Million | ▼ -54.8% |
| 2007 | 0.03x | $12.62 Million | $11.78 Million | $408.09 Million | ▲ +58.3% |
| 2006 | 0.02x | $6.58 Million | $5.30 Million | $336.76 Million | ▼ -34.3% |
| 2005 | 0.03x | $8.66 Million | $6.69 Million | $291.15 Million | ▼ -4.5% |
| 2004 | 0.03x | $6.97 Million | $4.55 Million | $223.81 Million | ▲ +7.7% |
| 2003 | 0.03x | $5.33 Million | $4.69 Million | $184.09 Million | ▲ +20.8% |
| 2002 | 0.02x | $3.47 Million | $3.20 Million | $144.76 Million | ▲ +119.4% |
| 2001 | 0.01x | $1.40 Billion | $1.40 Billion | $128.38 Billion | — |