SmartFinancial, Inc. Financial Flexibility Index
SmartFinancial, Inc. 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). See SMBK free cash flow to operating cash ratio to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of SmartFinancial, Inc. (2001–2024)
Financial flexibility index of SmartFinancial, Inc. from 2001 to 2024. Historical Financial Flexibility Index trend for SmartFinancial, Inc. across 24 annual periods. Check SMBK cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
SmartFinancial, Inc. Financial Flexibility Index by Year (2001–2024)
SmartFinancial, Inc. financial flexibility index by year from 2001 to 2024. Year-by-year free cash flow to debt coverage for SmartFinancial, Inc.. For the full cash flow conversion analysis, see SMBK cash generation efficiency.
| 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 | — |