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Smartfinancial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow−$13.1M in Q3 2026 · $35.7M over twelve months

Operating cash flow−$11.0M
Capital spending−$2.1M
Free cash flow−$13.1M
Cash / net income-0.6×

Analysis

In Q3 2026, Smartfinancial generated −$11.0M of operating cash flow and spent $2.1M on capital projects, leaving free cash flow of −$13.1M. That is $29.6M less than in Q3 2025 ($16.6M).

Over the twelve months to Sep 30, 2026, operating cash flow was $45.6M; the largest uses were other investing ($706M), capital spending ($9.9M), dividends ($5.8M); besides operations, cash came from other financing ($381M), net borrowing (+) / repaid (−) ($103M); the cash balance fell by $192M.

Operating cash flow was −$11.0M against net income of $18.6M — -0.6× profit, less cash than reported earnings, worth checking against working capital. The largest differences: prepaid and other assets −$40.7M, other liabilities +$12.8M, deferred taxes −$1.4M.

Free cash flow

Smartfinancial: free cash flow by quarterSmartfinancial: free cash flow by quarter$15.4MQ4 2024$13.4MQ1 2025$13.2MQ2 2025$16.6MQ3 2025$16.2MQ4 2025$10.2MQ1 2026$22.5MQ2 2026−$13.1MQ3 2026
Operating cash flow less capital spending.
Smartfinancial: operating cash flow against capital spendingSmartfinancial: operating cash flow against capital spendingOperating cash flowCapital spending$16.7M$1.3MQ4 2024$14.3M$929KQ1 2025$14.0M$778KQ2 2025$16.9M$328KQ3 2025$16.5M$354KQ4 2025$16.4M$6.2MQ1 2026$23.7M$1.2MQ2 2026−$11.0M$2.1MQ3 2026
Latest (Q3 2026): Operating cash flow −$11.0M, Capital spending $2.1M.

Capital allocation, year by year

Smartfinancial: where the cash came from (up) and went (down), by fiscal yearSmartfinancial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $46.2MFY2021: Net borrowing $7.1MFY2021: Shares issued $200KFY2021: Capital spending −$2.4MFY2021: Buybacks −$1.2MFY2021: Dividends −$3.7M$53.5MFY2021FY2022: Operating cash flow $56.8MFY2022: Net borrowing −$45.4MFY2022: Shares issued $397KFY2022: Asset sales $1.5MFY2022: Capital spending −$12.5MFY2022: Dividends −$4.7M$58.6MFY2022FY2023: Operating cash flow $39.7MFY2023: Net borrowing −$4.5MFY2023: Shares issued $165KFY2023: Asset sales $682KFY2023: Capital spending −$6.3MFY2023: Dividends −$5.4M$40.6MFY2023FY2024: Operating cash flow $52.7MFY2024: Net borrowing −$6.5MFY2024: Shares issued $68KFY2024: Asset sales $4.7MFY2024: Capital spending −$6.4MFY2024: Buybacks −$3.0MFY2024: Dividends −$5.4M$57.5MFY2024FY2025: Operating cash flow $61.7MFY2025: Net borrowing −$4.0MFY2025: Shares issued $153KFY2025: Asset sales $11.2MFY2025: Capital spending −$2.4MFY2025: Dividends −$5.5M$73.1MFY2025
Over these 5 years operating cash flow totalled $257M; the largest uses were net borrowing ($60.4M) and capital spending ($29.9M). Cash-flow statements as filed.

Where the cash came from and went

Smartfinancial: sources (+) and uses (−) of cash, Q3 2026Smartfinancial: sources (+) and uses (−) of cash, Q3 2026Other financing$190MOther investing−$190MCash drawn (+) / kept (−)$14.5MOperating cash flow−$11.0MCapital spending−$2.1MDividends−$1.5M
Smartfinancial: sources (+) and uses (−) of cash, TTM to Q3 2026Smartfinancial: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$706MOther financing$381MCash drawn (+) / kept (−)$192MNet borrowing (+) / repaid (−)$103MOperating cash flow$45.6MCapital spending−$9.9MDividends−$5.8MAsset & business sales$42K

From profit to cash

Smartfinancial: net income to operating cash flow, Q3 2026Smartfinancial: net income to operating cash flow, Q3 2026Net income$18.6MDepreciation & amortization$1.3MStock-based pay$524KDeferred taxes−$1.4MPrepaid and other assets−$40.7MOther liabilities$12.8MOperating cash flow−$11.0M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026−$11.0M−$2.1M−$1.5M——$14.5M−$13.1M
Q2 2026$23.7M−$1.2M−$1.5M——−$33.3M$22.5M
Q1 2026$16.4M−$6.2M−$1.4M——$118M$10.2M
Q4 2025$16.5M−$354K−$1.4M$1.5M−$1K$92.7M$16.2M
Q3 2025$16.9M−$328K−$1.4M−$4.0M$91K−$192M$16.6M
Q2 2025$14.0M−$778K−$1.4M——$57.9M$13.2M
Q1 2025$14.3M−$929K−$1.4M—$63K−$35.4M$13.4M
Q4 2024$16.7M−$1.3M−$1.4M−$1.0M—−$195M$15.4M

Smartfinancial: income statement and cash flow

Smartfinancial, Q3 2026: revenue $57.5M (+13% year over year), operating margin 35.6%. The chart follows the revenue to costs, profit and cash.

Smartfinancial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.