Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $5.80M | $5.02M | $18.1M | $26.5M | $24.3M | $34.8M | $43.0M | $28.6M | $36.1M | $50.3M |
| EPS (diluted) | $0.78 | $0.55 | $1.45 | $1.89 | $1.62 | $2.22 | $2.55 | $1.69 | $2.14 | $2.98 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $11.6M | $1.24M | $20.8M | $29.9M | $29.1M | $46.2M | $56.8M | $39.7M | $52.7M | $61.7M |
| Capital expenditures | $6.99M | $2.80M | $3.85M | $6.27M | $5.44M | $2.38M | $12.5M | $6.27M | $6.41M | $2.39M |
| Free cash flow | $4.60M | -$1.56M | $17.0M | $23.6M | $23.6M | $43.8M | $44.3M | $33.4M | $46.3M | $59.3M |
| Share buybacks | — | — | — | — | $4.31M | $1.21M | — | — | $2.97M | — |
| Dividends paid | — | — | $0.00 | $700K | $2.99M | $3.73M | $4.72M | $5.43M | $5.42M | $5.45M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $68.7M | $113M | $116M | $184M | $482M | $1.05B | $266M | $352M | $388M | $464M |
| Total assets | $1.06B | $1.72B | $2.27B | $2.45B | $3.30B | $4.61B | $4.64B | $4.83B | $5.28B | $5.86B |
| Total liabilities | $957M | $1.51B | $1.99B | $2.14B | $2.95B | $4.18B | $4.21B | $4.37B | $4.78B | $5.31B |
| Long-term debt | — | — | — | — | $75.4M | — | — | — | — | — |
| Shareholders' equity | $105M | $206M | $283M | $313M | $357M | $429M | $432M | $460M | $491M | $552M |
| Retained earnings | $16.9M | $21.9M | $40.0M | $65.8M | $87.2M | $118M | $157M | $173M | $204M | $249M |
| Shares (wtd avg diluted) | 6.12M | 8.79M | 12.5M | 14.0M | 15.0M | 15.7M | 16.9M | 16.9M | 16.9M | 16.9M |
Every figure is extracted from SMARTFINANCIAL INC.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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