Smartfinancial Inc (SMBK)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 03-2026 | 12-2025 | 09-2025 | 06-2025 | 03-2025 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 13,680 | 50,347 | 36,644 | 22,959 | 11,254 |
| Depreciation Amortization | 1,754 | 9,740 | 7,948 | 5,452 | 2,737 |
| Income taxes - deferred | 565 | -470 | -146 | 66 | 988 |
| Other Working Capital | -3,910 | -5,427 | -3,115 | -3,990 | -2,078 |
| Loans | 4,325 | -2,304 | -2,106 | 1,582 | 2,616 |
| Other Operating Activity | -54 | 9,838 | 5,969 | 2,240 | -1,230 |
| Operating Cash Flow | $16,360 | $61,724 | $45,194 | $28,309 | $14,287 |
| Cash Flows From Investing Activities | |||||
| PPE Investments | -5,871 | -12 | -105 | -483 | -182 |
| Purchase Of Investment | -43,979 | -221,664 | -176,586 | -40,508 | -24,436 |
| Sale Of Investment | 28,219 | 175,770 | 157,847 | 28,334 | 12,755 |
| Net Loans | -155,016 | -464,342 | -319,864 | -219,692 | -87,115 |
| Other Investing Activity | 0 | 11,200 | 11,107 | 0 | 0 |
| Investing Cash Flow | $-176,647 | $-499,048 | $-327,601 | $-232,349 | $-98,978 |
| Cash Flows From Financing Activities | |||||
| Change In Short Term Borrowing | 169 | -1,126 | -2,833 | -1,169 | -524 |
| Debt Issued | N/A | 101,066 | 99,580 | 1,000 | N/A |
| Debt Repayment | N/A | -46,500 | -5,000 | -1,000 | N/A |
| Common Stock Issued | N/A | 153 | 154 | 63 | 63 |
| Dividend Paid | -1,367 | -5,452 | -4,088 | -2,722 | -1,357 |
| Other Financing Activity | -311 | -308 | -291 | -265 | -265 |
| Financing Cash Flow | $41,941 | $514,171 | $451,964 | $181,566 | $120,105 |
| Beginning Cash Position | 464,417 | 387,570 | 387,570 | 387,570 | 387,570 |
| End Cash Position | 346,071 | 464,417 | 557,127 | 365,096 | 422,984 |
| Net Cash Flow | $-118,346 | $76,847 | $169,557 | $-22,474 | $35,414 |
| Free Cash Flow | |||||
| Operating Cash Flow | 16,360 | 61,724 | 45,194 | 28,309 | 14,287 |
| Capital Expenditure | -6,204 | -2,389 | -2,035 | -1,707 | -929 |
| Free Cash Flow | 10,156 | 59,335 | 43,159 | 26,602 | 13,358 |