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). Read debt load of SmartFinancial, Inc. for a breakdown of total debt and financial obligations.
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 SmartFinancial, Inc. (SMBK) reinvestment ratio to see what proportion of operating cash flow is directed to capital expenditures.
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 | — |