SmartFinancial, Inc. — Earnings Quality Grade A
SMBK · Financial Services
Strong financial health
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 14.6%, CFFO 17.1%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -62.7% vs revenue 14.6%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.23. Profits backed by cash
FCF $0.1B, FCF/NI = 1.18
Accruals ratio = -0.2%. Low accruals
Cash $0.5B covers debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 17% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -9% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
SmartFinancial, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25