SMARTFINANCIAL INC. Piotroski F-Score
SMBK / Financials|Based on FY2024 SEC 10-K data
SMARTFINANCIAL INC.'s Piotroski F-Score is 5/9, with 5 of 9 criteria passing in FY2024. The score evaluates profitability, leverage, and operating efficiency from SMARTFINANCIAL INC.'s SEC 10-K filing.
Based on SEC 10-K filings.
5/9 criteria passed
The Piotroski F-Score evaluates financial strength using 9 binary criteria across profitability, leverage, and operating efficiency. Learn how it works
What This Score Means
SMARTFINANCIAL INC. scores 5/9 on the Piotroski F-Score based on FY2024 SEC 10-K data. All four profitability criteria are met: positive net income, positive operating cash flow, improving returns, and operating cash flow above net income. 1 of 3 leverage and liquidity criteria are met. Neither operating efficiency metric showed improvement over the prior year.
The Piotroski F-Score is a financial strength indicator based on 9 binary criteria from SEC 10-K filings. This page shows which criteria passed and does not provide investment advice.
9-Criterion Breakdown
1. Positive Net Income
Net Income > 0
2. Positive Operating Cash Flow
Operating Cash Flow > 0
3. ROA Increase
Return on Assets improved year-over-year
4. Quality of Earnings
Operating Cash Flow > Net Income
5. Leverage Decrease
Debt-to-assets ratio decreased or unchanged
6. Current Ratio Increase
Current ratio improved year-over-year
7. No Share Dilution
Shares outstanding did not increase
8. Gross Margin Increase
Gross margin improved year-over-year
9. Asset Turnover Increase
Revenue / Total Assets improved
As of FY2024 · SEC Form 10-K · Last checked Jul 2, 2026