SmartFinancial, Inc. (SMBK) — Free Cash Flow Generation Index
SmartFinancial, Inc. (SMBK) has a Free Cash Flow Generation Index of 0.98x as of September 2025. Free cash flow of $16.56 Million represents 1% of operating cash flow ($16.89 Million). See SMBK current assets to equity ratio to evaluate short-term liquidity relative to the company's equity base.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
SmartFinancial, Inc. Free Cash Flow Generation Index (2001–2024)
Historical FCF Generation Index trend for SmartFinancial, Inc. across 24 annual periods. Explore debt repayment capacity of SmartFinancial, Inc. to assess how comfortably operating cash covers total debt obligations.
Annual Free Cash Flow Generation for SmartFinancial, Inc. (2001–2024)
Year-by-year Free Cash Flow Generation Index for SmartFinancial, Inc.. For the full company profile including market capitalisation, see SmartFinancial, Inc. market cap and net worth.
| Year | FCG Index | Free Cash Flow (USD) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.88x | $46.30 Million | $52.70 Million | $6.41 Million | ▲ +4.3% |
| 2023 | 0.84x | $33.45 Million | $39.72 Million | $6.27 Million | ▲ +7.9% |
| 2022 | 0.78x | $44.31 Million | $56.79 Million | $12.49 Million | ▼ -17.8% |
| 2021 | 0.95x | $43.80 Million | $46.18 Million | $2.38 Million | ▲ +16.7% |
| 2020 | 0.81x | $23.63 Million | $29.07 Million | $5.44 Million | ▲ +2.9% |
| 2019 | 0.79x | $23.60 Million | $29.87 Million | $6.27 Million | ▼ -3.1% |
| 2018 | 0.82x | $16.98 Million | $20.82 Million | $3.85 Million | ▲ +164.9% |
| 2017 | -1.26x | $-1.56 Million | $1.24 Million | $2.80 Million | ▼ -417.0% |
| 2016 | 0.40x | $4.60 Million | $11.59 Million | $6.99 Million | ▼ -26.3% |
| 2015 | 0.54x | $1.26 Million | $2.34 Million | $1.08 Million | ▲ +178.0% |
| 2014 | -0.69x | $-1.16 Million | $1.69 Million | $2.85 Million | ▼ -169.2% |
| 2013 | 1.00x | $4.41 Million | $4.42 Million | $14.25K | ▲ +3.2% |
| 2012 | 0.97x | $4.48 Million | $4.64 Million | $160.16K | ▲ +1.7% |
| 2011 | 0.95x | $2.34 Million | $2.46 Million | $123.67K | ▲ +3.5% |
| 2010 | 0.92x | $9.27 Million | $10.11 Million | $835.01K | ▼ -3.3% |
| 2009 | 0.95x | $5.74 Million | $6.05 Million | $310.11K | ▲ +265.5% |
| 2008 | 0.26x | $907.75K | $3.50 Million | $2.59 Million | ▼ -72.0% |
| 2007 | 0.93x | $10.94 Million | $11.78 Million | $841.00K | ▲ +22.4% |
| 2006 | 0.76x | $4.02 Million | $5.30 Million | $1.28 Million | ▲ +7.8% |
| 2005 | 0.70x | $4.71 Million | $6.69 Million | $1.98 Million | ▲ +50.7% |
| 2004 | 0.47x | $2.13 Million | $4.55 Million | $2.42 Million | ▼ -46.0% |
| 2003 | 0.87x | $4.06 Million | $4.69 Million | $630.75K | ▼ -5.6% |
| 2002 | 0.92x | $2.93 Million | $3.20 Million | $265.74K | ▼ -8.3% |
| 2001 | 1.00x | $1.40 Billion | $1.40 Billion | $0.00 | — |