Smartfinancial annual free cash flow
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2025
Smartfinancial Free Cash Flow (FCF) History (SMBK)
Smartfinancial reported $59.3M in free cash flow for fiscal 2025, an increase of 28.17% from the previous fiscal year, with a free cash flow margin of 29.60%.
View full Smartfinancial company overviewSmartfinancial free cash flow by year
| Fiscal year | Period ended | Free cash flow | Change | Growth | FCF margin |
|---|---|---|---|---|---|
| 2025 | 2025-12-31 | $59.3M | $13.0M | +28.17% | +29.60% |
| 2024 | 2024-12-31 | $46.3M | $12.8M | +38.42% | +26.99% |
| 2023 | 2023-12-31 | $33.4M | −$10.9M | −24.51% | +21.95% |
| 2022 | 2022-12-31 | $44.3M | $501,000 | +1.14% | +26.82% |
| 2021 | 2021-12-31 | $43.8M | $20.2M | +85.38% | +31.89% |
| 2020 | 2020-12-31 | $23.6M | $33,000 | +0.14% | +20.32% |
| 2019 | 2019-12-31 | $23.6M | $6.6M | +38.99% | +23.79% |
| 2018 | 2018-12-31 | $17.0M | $18.5M | — | +20.40% |
| 2017 | 2017-12-31 | −$1.6M | −$6.2M | — | −3.04% |
| 2016 | 2016-12-31 | $4.6M | $3.3M | +264.87% | +10.83% |
| 2015 | 2015-12-31 | $1.3M | $2.4M | — | +4.62% |
| 2014 | 2014-12-31 | −$1.2M | −$5.6M | — | −5.87% |
| 2013 | 2013-12-31 | $4.4M | −$338,604 | −7.13% | +26.13% |
| 2012 | 2012-12-31 | $4.7M | $2.1M | +82.65% | +30.45% |
| 2011 | 2011-12-31 | $2.6M | −$6.7M | −71.98% | +16.97% |
| 2010 | 2010-12-31 | $9.3M | $3.5M | +61.63% | +48.58% |
| 2009 | 2009-12-31 | $5.7M | — | — | +32.89% |
Smartfinancial quarterly free cash flow
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Q1.26
Q2.26
| Fiscal quarter | Period ended | Free cash flow | Change | YoY growth | FCF margin |
|---|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | $22.5M | $9.2M | +69.64% | +40.16% |
| Q1 2026 | 2026-03-31 | $10.2M | −$3.2M | −23.97% | +18.87% |
| Q4 2025 | 2025-12-31 | $16.2M | $825,000 | +5.37% | +30.34% |
| Q3 2025 | 2025-09-30 | $16.6M | $5.2M | +45.98% | +32.42% |
| Q2 2025 | 2025-06-30 | $13.2M | −$2.2M | −14.22% | +26.90% |
| Q1 2025 | 2025-03-31 | $13.4M | $9.2M | +220.95% | +28.52% |
| Q4 2024 | 2024-12-31 | $15.4M | $5.9M | +62.39% | +32.79% |
| Q3 2024 | 2024-09-30 | $11.3M | $5.6M | +98.18% | +25.68% |
| Q2 2024 | 2024-06-30 | $15.4M | $7.0M | +82.14% | +38.20% |
| Q1 2024 | 2024-03-31 | $4.2M | −$5.6M | −57.50% | +10.38% |
| Q4 2023 | 2023-12-31 | $9.5M | −$4.0M | −29.53% | +24.18% |
| Q3 2023 | 2023-09-30 | $5.7M | −$4.1M | −41.85% | +18.06% |
| Q2 2023 | 2023-06-30 | $8.5M | −$2.8M | −24.54% | +21.90% |
| Q1 2023 | 2023-03-31 | $9.8M | −$22,000 | −0.22% | +22.82% |
| Q4 2022 | 2022-12-31 | $13.4M | $14.6M | — | +29.99% |
| Q3 2022 | 2022-09-30 | $9.8M | −$3.5M | −26.22% | +22.91% |
| Q2 2022 | 2022-06-30 | $11.2M | −$3.2M | −22.35% | +27.88% |
| Q1 2022 | 2022-03-31 | $9.8M | −$5.3M | −34.92% | +26.36% |
| Q4 2021 | 2021-12-31 | −$1.1M | −$7.0M | — | −3.12% |
| Q3 2021 | 2021-09-30 | $13.3M | −$6.6M | −33.01% | +36.36% |
| Q2 2021 | 2021-06-30 | $14.5M | $23.3M | — | +45.15% |
| Q1 2021 | 2021-03-31 | $15.1M | $8.4M | +126.00% | +47.20% |
| Q4 2020 | 2020-12-31 | $5.9M | $3.9M | +195.51% | +18.59% |
| Q3 2020 | 2020-09-30 | $19.9M | $14.2M | +250.03% | +66.02% |
| Q2 2020 | 2020-06-30 | −$8.8M | −$18.3M | — | −30.11% |
| Q1 2020 | 2020-03-31 | $6.7M | $274,000 | +4.28% | +26.28% |
| Q4 2019 | 2019-12-31 | $2.0M | $2.2M | — | +8.27% |
| Q3 2019 | 2019-09-30 | $5.7M | −$8.4M | −59.57% | +24.38% |
| Q2 2019 | 2019-06-30 | $9.5M | $8.9M | +1344.09% | +32.61% |
| Q1 2019 | 2019-03-31 | $6.4M | $5.6M | +687.46% | +28.20% |
| Q4 2018 | 2018-12-31 | −$244,000 | $5.5M | — | −1.05% |
| Q3 2018 | 2018-09-30 | $14.1M | $14.3M | — | +68.01% |
| Q2 2018 | 2018-06-30 | $659,791 | −$1.8M | −73.04% | +3.12% |
| Q1 2018 | 2018-03-31 | $812,609 | −$1.2M | −58.70% | +4.45% |
| Q4 2017 | 2017-12-31 | −$5.7M | −$2.1M | — | −33.93% |
| Q3 2017 | 2017-09-30 | −$233,045 | −$983,444 | — | −1.91% |
| Q2 2017 | 2017-06-30 | $2.4M | −$2.2M | −47.28% | +21.28% |
| Q1 2017 | 2017-03-31 | $2.0M | −$921,466 | −31.90% | +18.28% |
| Q4 2016 | 2016-12-31 | −$3.7M | −$3.5M | — | −34.12% |
| Q3 2016 | 2016-09-30 | $750,399 | −$1.4M | −64.67% | +6.90% |
| Q2 2016 | 2016-06-30 | $4.6M | $5.3M | — | +43.91% |
| Q1 2016 | 2016-03-31 | $2.9M | $3.2M | — | +28.32% |
| Q4 2015 | 2015-12-31 | −$167,264 | −$1.5M | — | −1.56% |
| Q3 2015 | 2015-09-30 | $2.1M | $6.9M | — | +32.17% |
| Q2 2015 | 2015-06-30 | −$642,178 | −$2.1M | — | −13.75% |
| Q1 2015 | 2015-03-31 | −$275,459 | −$1.1M | — | −5.23% |
| Q4 2014 | 2014-12-31 | $1.3M | −$345,461 | −21.15% | +20.50% |
| Q3 2014 | 2014-09-30 | −$4.8M | −$5.6M | — | −89.63% |
| Q2 2014 | 2014-06-30 | $1.5M | $329,038 | +28.26% | +36.42% |
| Q1 2014 | 2014-03-31 | $812,026 | $46,057 | +6.01% | +19.65% |
| Q4 2013 | 2013-12-31 | $1.6M | $739,446 | +82.70% | +37.48% |
| Q3 2013 | 2013-09-30 | $835,480 | −$173,194 | −17.17% | +20.08% |
| Q2 2013 | 2013-06-30 | $1.2M | −$329,647 | −22.06% | +26.74% |
| Q1 2013 | 2013-03-31 | $765,969 | −$583,127 | −43.22% | +19.16% |
| Q4 2012 | 2012-12-31 | $894,126 | $1.4M | — | +20.63% |
| Q3 2012 | 2012-09-30 | $1.0M | $26,237 | +2.67% | +26.39% |
| Q2 2012 | 2012-06-30 | $1.5M | −$386,856 | −20.57% | +38.78% |
| Q1 2012 | 2012-03-31 | $1.3M | $1.3M | +2987.81% | +37.69% |
| Q4 2011 | 2011-12-31 | −$505,399 | −$6.7M | — | −13.06% |
| Q3 2011 | 2011-09-30 | $982,437 | — | — | +25.01% |
| Q2 2011 | 2011-06-30 | $1.9M | — | — | +49.69% |
| Q1 2011 | 2011-03-31 | $43,691 | — | — | +1.17% |
| Q3 2010 | 2010-09-30 | $6.2M | — | — | +120.61% |
Smartfinancial free cash flow growth trends
Over the last five reported fiscal years, free cash flow grew from $23.6M to $59.3M, a compound annual growth rate of 20.22%. Smartfinancial's latest reported quarter, Q2 2026, generated $22.5M in free cash flow, an increase of 69.64% year over year.
About the metric
What free cash flow means
Free cash flow is the cash a company generates from operations after capital expenditures. Positive FCF can fund dividends, buybacks, debt repayment, or reinvestment; negative FCF means capital spending exceeded operating cash flow for that period.
Calculation and source
How free cash flow is calculated
TickerStat calculates free cash flow as SEC-reported operating cash flow minus capital expenditures. FCF margin equals free cash flow divided by revenue. Fiscal periods can differ from calendar years, so the tables include exact period-end dates.
Review Smartfinancial filings at SEC.gov ↗