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Cash Flow Overview
Free Cash flow
$22,467K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Net increase in deposits
Proceeds from borrowings
Maturities Prepayments And Calls...
Others
Negative Cash Flow Breakdown
Net increase in loans and leases
Repayment of borrowings
Purchases
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
16,322
13,680
13,703
13,685
Depreciation and amortization
1,308
1,297
1,313
1,960
Amortization of intangible assets
454
457
479
536
Provision for credit losses
1,463
4,139
4,132
227
Stock compensation expense
557
714
227
478
Net (gain) loss on sale of securities, net
54
1
0
-3,715
Deferred income tax expense
-684
565
-324
-212
Increase in cash surrender value of bank owned life insurance
915
913
915
913
Net losses from sale and write-downs of other real estate owned and other repossessed assets
-244
-155
-124
-259
Net gains from mortgage banking
894
736
812
683
Origination of loans held for sale
15,285
8,986
12,759
14,899
Proceeds from sales of loans held for sale
13,828
13,311
12,561
11,211
Gain from sale of sbki
-
-
0
3,955
Net (gain) loss from sale/disposal of fixed assets
38
-
0
0
Accrued interest receivable
-467
292
604
259
Accrued interest payable
2,321
-2,889
1,051
1,451
Other assets
-220
1,073
-2,828
-4,336
Other liabilities
4,350
-3,068
-4,474
-52
Net cash provided by operating activities
23,664
16,360
16,530
16,885
Proceeds from sales
0
13,312
0
99,966
Maturities Prepayments And Calls Of Available For Sale
19,110
14,277
17,205
28,909
Purchases
27,325
43,761
43,525
132,978
Sale And Maturity Of Held To Maturity
602
630
718
638
Proceeds from sales of other investments
4,206
-
0
0
Purchases of other investments
5,688
218
1,553
3,100
Proceeds from sale of sbki, net of transaction cost
-
-
93
11,107
Net increase in loans and leases
165,857
155,016
144,478
100,172
Proceeds from sale of fixed assets
42
-
0
56
Purchases of premises and equipment
1,197
6,204
354
328
Proceeds from sale of other real estate owned and other repossessed assets
560
333
447
650
Net cash used in investing activities
-175,547
-176,647
-171,447
-95,252
Net increase in deposits
189,315
43,450
101,896
178,783
Net decrease in securities sold under agreements to repurchase
-2,575
169
1,707
-1,664
Proceeds from borrowings
101,500
-
1,500
0
Repayment of borrowings
101,500
-
1,500
4,000
Cash dividends paid
1,541
1,367
1,364
1,366
Redemption of subordinated debt
-
-
40,000
-
Issuance of subordinated debt, net of issuance costs
-
-
-14
98,580
Issuance of common stock
-
-
-1
91
Restricted stock withheld for taxes
0
311
17
26
Net cash provided by financing activities
185,199
41,941
62,207
270,398
Net change in cash and cash equivalents
33,316
-118,346
-92,710
192,031
Cash and cash equivalents, beginning of period
346,071
464,417
557,127
387,570
Cash and cash equivalents, end of period
379,387
346,071
464,417
557,127
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
Show the time plot by selecting a row from the table.
Cash Flow
Net increase in
deposits
$189,315K
(1.97%↑ Y/Y)
Net income
$16,322K
(-28.91%↓ Y/Y)
Proceeds from sales of
loans held for sale
$13,828K
(-23.87%↓ Y/Y)
Proceeds from borrowings
$101,500K
(10050.00%↑ Y/Y)
Other liabilities
$4,350K
(503.53%↑ Y/Y)
Accrued interest
payable
$2,321K
(151.46%↑ Y/Y)
Provision for credit
losses
$1,463K
(-56.86%↓ Y/Y)
Depreciation and
amortization
$1,308K
(-69.70%↓ Y/Y)
Stock compensation
expense
$557K
(-54.86%↓ Y/Y)
Accrued interest
receivable
-$467K
(-179.56%↓ Y/Y)
Amortization of intangible
assets
$454K
(-60.00%↓ Y/Y)
Net losses from sale
and write-downs of...
-$244K
(2.01%↑ Y/Y)
Other assets
-$220K
(-107.21%↓ Y/Y)
Net cash provided by
financing activities
$185,199K
(2.00%↑ Y/Y)
Net cash provided by
operating activities
$23,664K
(-16.41%↓ Y/Y)
Canceled cashflow
$105,616K
Canceled cashflow
$17,870K
Net change in cash
and cash...
$33,316K
(248.24%↑ Y/Y)
Canceled cashflow
$175,547K
Repayment of borrowings
$101,500K
(10050.00%↑ Y/Y)
Net decrease in
securities sold under...
-$2,575K
(-120.27%↓ Y/Y)
Cash dividends paid
$1,541K
(-43.39%↓ Y/Y)
Maturities Prepayments And
Calls Of Available For...
$19,110K
(-26.99%↓ Y/Y)
Proceeds from sales of
other investments
$4,206K
(304.03%↑ Y/Y)
Sale And Maturity Of
Held To Maturity
$602K
(-46.15%↓ Y/Y)
Proceeds from sale of
other real estate...
$560K
(-51.60%↓ Y/Y)
Proceeds from sale of
fixed assets
$42K
(-37.31%↓ Y/Y)
Origination of loans held for
sale
$15,285K
(-7.82%↓ Y/Y)
Increase in cash
surrender value of bank...
$915K
(-48.60%↓ Y/Y)
Net gains from
mortgage banking
$894K
(-16.45%↓ Y/Y)
Deferred income tax
expense
-$684K
(-1136.36%↓ Y/Y)
Net (gain) loss on
sale of securities,...
$54K
(1450.00%↑ Y/Y)
Net (gain) loss from
sale/disposal of fixed assets
$38K
(371.43%↑ Y/Y)
Net cash used in
investing activities
-$175,547K
(24.45%↑ Y/Y)
Canceled cashflow
$24,520K
Net increase in
loans and leases
$165,857K
(-24.50%↓ Y/Y)
Purchases
$27,325K
(-29.65%↓ Y/Y)
Purchases of other
investments
$5,688K
(241.42%↑ Y/Y)
Purchases of premises and
equipment
$1,197K
(-29.88%↓ Y/Y)
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SMARTFINANCIAL INC. (SMBK)
SMARTFINANCIAL INC. (SMBK)