Smartfinancial Inc (SMBK)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 09-2025 | 06-2025 | 03-2025 | 12-2024 | 09-2024 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 36,644 | 22,959 | 11,254 | 36,141 | 26,500 |
| Depreciation Amortization | 7,948 | 5,452 | 2,737 | 11,415 | 8,724 |
| Income taxes - deferred | -146 | 66 | 988 | 120 | 628 |
| Other Working Capital | -3,115 | -3,990 | -2,078 | 422 | -2,092 |
| Loans | -2,106 | 1,582 | 2,616 | -115 | -436 |
| Other Operating Activity | 5,969 | 2,240 | -1,230 | 4,717 | 2,692 |
| Operating Cash Flow | $45,194 | $28,309 | $14,287 | $52,700 | $36,016 |
| Cash Flows From Investing Activities | |||||
| PPE Investments | -105 | -483 | -182 | 1,377 | 1,709 |
| Purchase Of Investment | -176,586 | -40,508 | -24,436 | -138,783 | -127,342 |
| Sale Of Investment | 157,847 | 28,334 | 12,755 | 216,431 | 189,045 |
| Net Loans | -319,864 | -219,692 | -87,115 | -469,247 | -279,709 |
| Other Investing Activity | 11,107 | 0 | 0 | -30,000 | -20,000 |
| Investing Cash Flow | $-327,601 | $-232,349 | $-98,978 | $-420,222 | $-236,297 |
| Cash Flows From Financing Activities | |||||
| Change In Short Term Borrowing | -2,833 | -1,169 | -524 | -944 | -1,082 |
| Debt Issued | 99,580 | 1,000 | N/A | 160,100 | 155,000 |
| Debt Repayment | -5,000 | -1,000 | N/A | -166,600 | -160,500 |
| Common Stock Issued | 154 | 63 | 63 | 68 | 68 |
| Common Stock Repurchased | N/A | N/A | N/A | -2,967 | -2,967 |
| Dividend Paid | -4,088 | -2,722 | -1,357 | -5,422 | -4,068 |
| Other Financing Activity | -291 | -265 | -265 | -110 | -220 |
| Financing Cash Flow | $451,964 | $181,566 | $120,105 | $402,821 | $40,924 |
| Beginning Cash Position | 387,570 | 387,570 | 387,570 | 352,271 | 352,271 |
| End Cash Position | 557,127 | 365,096 | 422,984 | 387,570 | 192,914 |
| Net Cash Flow | $169,557 | $-22,474 | $35,414 | $35,299 | $-159,357 |
| Free Cash Flow | |||||
| Operating Cash Flow | 45,194 | 28,309 | 14,287 | 52,700 | 36,016 |
| Capital Expenditure | -2,035 | -1,707 | -929 | -6,405 | -5,072 |
| Free Cash Flow | 43,159 | 26,602 | 13,358 | 46,295 | 30,944 |