Smartfinancial Inc (SMBK)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 12-2025 | 12-2024 | 12-2023 | 12-2022 | 12-2021 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 50,347 | 36,141 | 28,593 | 43,022 | 34,790 |
| Depreciation Amortization | 9,740 | 11,415 | 13,498 | 10,486 | 4,490 |
| Income taxes - deferred | -470 | 120 | 1,309 | -555 | 643 |
| Other Working Capital | -5,427 | 422 | -13,920 | 380 | 7,858 |
| Loans | -2,304 | -115 | -1,626 | 4,903 | 10,180 |
| Other Operating Activity | 9,838 | 4,717 | 11,862 | -1,443 | -11,779 |
| Operating Cash Flow | $61,724 | $52,700 | $39,716 | $56,793 | $46,182 |
| Cash Flows From Investing Activities | |||||
| PPE Investments | -12 | 1,377 | -4,475 | -10,485 | 456 |
| Net Acquisitions | N/A | N/A | N/A | -4,881 | 15,364 |
| Purchase Of Investment | -221,664 | -138,783 | -131,528 | -348,000 | -437,798 |
| Sale Of Investment | 175,770 | 216,431 | 214,354 | 79,995 | 149,918 |
| Net Loans | -464,342 | -469,247 | -213,591 | -558,387 | 46,640 |
| Other Investing Activity | 11,200 | -30,000 | 0 | 940 | -39,573 |
| Investing Cash Flow | $-499,048 | $-420,222 | $-135,240 | $-840,818 | $-264,993 |
| Cash Flows From Financing Activities | |||||
| Change In Short Term Borrowing | -1,126 | -944 | 303 | -310 | -1,514 |
| Debt Issued | 101,066 | 160,100 | 26,275 | 30,885 | 8,201 |
| Debt Repayment | -46,500 | -166,600 | -30,775 | -76,300 | -1,097 |
| Common Stock Issued | 153 | 68 | 165 | 397 | 200 |
| Common Stock Repurchased | N/A | -2,967 | N/A | N/A | -1,208 |
| Dividend Paid | -5,452 | -5,422 | -5,427 | -4,724 | -3,728 |
| Other Financing Activity | -308 | -110 | -57 | -206 | 0 |
| Financing Cash Flow | $514,171 | $402,821 | $181,371 | $5,372 | $782,169 |
| Beginning Cash Position | 387,570 | 352,271 | 266,424 | 1,045,077 | 481,719 |
| End Cash Position | 464,417 | 387,570 | 352,271 | 266,424 | 1,045,077 |
| Net Cash Flow | $76,847 | $35,299 | $85,847 | $-778,653 | $563,358 |
| Free Cash Flow | |||||
| Operating Cash Flow | 61,724 | 52,700 | 39,716 | 56,793 | 46,182 |
| Capital Expenditure | -2,389 | -6,405 | -6,270 | -12,487 | -2,377 |
| Free Cash Flow | 59,335 | 46,295 | 33,446 | 44,306 | 43,805 |