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 SMBK cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
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. For the full cash flow conversion analysis, see SMBK cash generation efficiency.
Annual Financial Flexibility Index for SmartFinancial, Inc. (2001–2024)
Year-by-year free cash flow to debt coverage for SmartFinancial, Inc.. Explore SmartFinancial, Inc. (SMBK) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
| 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 | — |