SmartFinancial, Inc. (SMBK) — Free Cash Flow Generation Index
SmartFinancial, Inc. (SMBK) has a Free Cash Flow Generation Index of 0.62x as of March 2026. Free cash flow of $10.16 Million represents 1% of operating cash flow ($16.36 Million). Explore SmartFinancial, Inc. capital reinvestment ratio to see what proportion of operating cash flow is directed to capital expenditures.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
SmartFinancial, Inc. Free Cash Flow Generation Index (2001–2025)
Historical FCF Generation Index trend for SmartFinancial, Inc. across 25 annual periods. For the full cash flow conversion analysis, see SMBK cash flow metrics.
Annual Free Cash Flow Generation for SmartFinancial, Inc. (2001–2025)
Year-by-year Free Cash Flow Generation Index for SmartFinancial, Inc.. Check SMBK cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
| Year | FCG Index | Free Cash Flow (USD) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.96x | $59.34 Million | $61.72 Million | $2.39 Million | ▲ +9.4% |
| 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 | ▼ -72.1% |
| 2007 | 0.93x | $10.94 Million | $11.78 Million | $840.64K | ▲ +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 | — |