SmartFinancial, Inc. (SMBK) — Working Capital to Net Assets Ratio
SmartFinancial, Inc. (SMBK) has a Working Capital to Net Assets ratio of 55.5% as of December 2025. Working capital of $303.37 Million (current assets of $5.34 Billion minus current liabilities of $5.04 Billion) is measured against net assets of $546.49 Million. A higher ratio indicates strong short-term liquidity financed by the equity base. See net asset quality index of SmartFinancial, Inc. to measure how much of total assets are equity-financed.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
SmartFinancial, Inc. Working Capital to Net Assets (2002–2025)
This chart shows how SmartFinancial, Inc.'s Working Capital to Net Assets ratio has evolved across 24 annual periods from 2002 to 2025. As of December 2025, the ratio stands at 55.5%, reflecting working capital of $303.37 Million against net assets of $546.49 Million USD. Check SMBK goodwill-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Annual Working Capital to Net Assets for SmartFinancial, Inc. (2002–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for SmartFinancial, Inc. from 2002 to 2025, covering 24 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. For live market cap and the full company profile, see market value of SmartFinancial, Inc..
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | 55.5% | $303.37 Million | $546.49 Million | $5.34 Billion | $5.04 Billion | ▲ +858.4 pp |
| 2024 | -802.9% | $-3.95 Billion | $491.46 Million | $748.69 Million | $4.69 Billion | ▼ -39.7 pp |
| 2023 | -763.1% | $-3.51 Billion | $459.89 Million | $771.35 Million | $4.28 Billion | ▼ -930.2 pp |
| 2022 | 167.1% | $722.51 Million | $432.45 Million | $735.01 Million | $12.50 Million | ▼ -199.5 pp |
| 2021 | 366.6% | $1.57 Billion | $429.43 Million | $1.58 Billion | $7.11 Million | ▲ +345.9 pp |
| 2020 | 20.7% | $658.01 Million | $3.18 Billion | $697.35 Million | $39.35 Million | ▲ +568.9 pp |
| 2019 | -548.2% | $-1.71 Billion | $312.75 Million | $338.88 Million | $2.05 Billion | ▲ +25.4 pp |
| 2018 | -573.6% | $-1.62 Billion | $283.01 Million | $317.51 Million | $1.94 Billion | ▲ +15.8 pp |
| 2017 | -589.4% | $-1.21 Billion | $205.85 Million | $258.01 Million | $1.47 Billion | ▲ +114.3 pp |
| 2016 | -703.7% | $-740.54 Million | $105.24 Million | $198.17 Million | $938.71 Million | ▼ -37.4 pp |
| 2015 | -666.2% | $-667.42 Million | $100.18 Million | $240.18 Million | $907.60 Million | ▼ -52.6 pp |
| 2014 | -613.6% | $-342.94 Million | $55.89 Million | $139.05 Million | $481.99 Million | ▲ +0.4 pp |
| 2013 | -614.0% | $-246.43 Million | $40.13 Million | $118.04 Million | $364.47 Million | ▼ -56.7 pp |
| 2012 | -557.3% | $-227.88 Million | $40.89 Million | $136.71 Million | $364.59 Million | ▲ +59.8 pp |
| 2011 | -617.1% | $-217.28 Million | $35.21 Million | $126.27 Million | $343.54 Million | ▲ +682.8 pp |
| 2010 | -1300.0% | $-335.64 Million | $25.82 Million | $24.31 Million | $359.95 Million | ▲ +107.1 pp |
| 2009 | -1407.1% | $-391.69 Million | $27.84 Million | $39.72 Million | $431.42 Million | ▼ -447.6 pp |
| 2008 | -959.4% | $-350.20 Million | $36.50 Million | $12.64 Million | $362.84 Million | ▼ -29.9 pp |
| 2007 | -929.6% | $-337.68 Million | $36.33 Million | $17.34 Million | $355.03 Million | ▼ -207.7 pp |
| 2006 | -721.8% | $-275.62 Million | $38.18 Million | $19.76 Million | $295.37 Million | ▲ +20.9 pp |
| 2005 | -742.7% | $-241.14 Million | $32.47 Million | $16.33 Million | $257.47 Million | ▲ +12.1 pp |
| 2004 | -754.8% | $-187.25 Million | $24.81 Million | $8.08 Million | $195.33 Million | ▲ +177.1 pp |
| 2003 | -931.9% | $-157.53 Million | $16.90 Million | $8.01 Million | $165.54 Million | ▼ -83.8 pp |
| 2002 | -848.1% | $-128.46 Million | $15.15 Million | $5.61 Million | $134.07 Million | — |