Smartfinancial Inc Stock Price, News & Analysis

SmartFinancial (NYSE: SMBK) reported Q3 2025 net income of $13.7M or $0.81 diluted EPS and operating earnings of $14.5M or $0.86 per diluted share. The company achieved over $50M in quarterly operating revenue, $98M of net organic loan growth (10% annualized quarter-over-quarter) and $179M deposit growth (15% annualized quarter-over-quarter). Tangible book value per common share rose to $26.00, a 26% quarter-over-quarter annualized increase. Corporate actions included a $100M subordinated debt issuance, a $4.0M pre-tax gain on the sale of SBK Insurance and a $3.9M pre-tax loss from repositioning $85M of securities. Net interest income was $42.4M and tax-equivalent NIM was 3.25%.

SmartFinancial (NYSE: SMBK) will release its Third Quarter 2025 earnings on Tuesday, October 21, 2025 after market close and host a conference call on Wednesday, October 22, 2025 at 10:00 a.m. ET.

To join the live call dial (833) 470-1428 or (646) 844-6383 and enter access code 241226. Conference materials (earnings release and presentation) will be posted at 9:00 a.m. ET on the company's investor webpage: http://www.smartfinancialinc.com/CorporateProfile. A replay will be available through December 21, 2025 by dialing (866) 813-9403 or (929) 458-6194 with access code 307268.

SmartFinancial (NYSE: SMBK), the parent company of SmartBank, has announced its board of directors has declared a quarterly cash dividend of $0.08 per share. The dividend will be payable on August 25, 2025, to shareholders of record as of the close of business on August 8, 2025.

SmartFinancial (NYSE:SMBK) reported strong Q2 2025 results with net income of $11.7 million, or $0.69 per diluted share, compared to $8.0 million ($0.48/share) in Q2 2024. The company demonstrated robust performance with net organic loan growth of $132 million, representing a 13% annualized quarter-over-quarter increase.

Key highlights include net interest income of $40.3 million, a tax equivalent net interest margin of 3.29%, and solid credit quality with nonperforming assets at 0.19% of total assets. The company's total assets reached $5.49 billion, with total deposits increasing by $185.6 million. SmartFinancial maintained strong asset quality with an allowance for credit losses to total loans ratio of 0.96%.

The company achieved five consecutive quarters of positive operating leverage and was recertified as a Great Place to Work by over 92% of SmartBank associates.

SmartFinancial (NYSE: SMBK) has announced the schedule for its Second Quarter 2025 earnings release and conference call. The company will release its Q2 2025 earnings results on Monday, July 21, 2025, after market close.

A conference call to discuss the results will be held on Tuesday, July 22, 2025, at 10:00 a.m. ET. Conference call materials, including the earnings release and presentation, will be available on the company's website at 9:00 a.m. ET before the call. The interactive teleconference can be accessed by dialing (833) 470-1428 or (404) 975-4839 with access code 342904. A replay will be available through September 20, 2025.

SmartFinancial (NYSE: SMBK) reported strong Q1 2025 results with net income of $11.3 million, or $0.67 per diluted share, up from $9.4 million in Q1 2024. Key highlights include:

- Operating earnings of $11.3 million
- Net organic loan growth of $86 million (9% annualized increase)
- Deposit growth of $122 million (10% annualized increase)
- Solid credit quality with nonperforming assets at 0.19% of total assets

The company's net interest income was $38.2 million, with a tax equivalent net interest margin of 3.21%. Total assets reached $5.41 billion, while total deposits increased to $4.81 billion. The board declared a quarterly cash dividend of $0.08 per share, payable on May 19, 2025.

SmartFinancial (NYSE: SMBK) has scheduled its First Quarter 2025 earnings release and conference call. The company will release its Q1 2025 earnings report on Monday, April 21, 2025, after market close. A conference call will follow on Tuesday, April 22, 2025, at 10:00 a.m. ET.

Investors can access the teleconference by dialing (833) 470-1428 or (404) 975-4839 with access code 348422. A replay will be available through June 21, 2025, via (866) 813-9403 or (929) 458-6194 using access code 167602. Conference materials will be published on SmartFinancial's website at 9:00 a.m. ET before the call.

SmartFinancial (SMBK) has announced the appointment of Kelli Shomaker to its board of directors. Shomaker currently serves as Senior Vice President for Business and Administration and Chief Financial Officer at Auburn University, overseeing financial operations for an institution with over 30,000 students.

With more than 29 years of experience in higher education and financial management, Shomaker brings expertise from previous roles at Texas A&M University, U.S. Global Investors, and PricewaterhouseCoopers. She holds a BBA in Accounting from Texas A&M University and a Master of Education from Auburn University.

Shomaker serves on several prestigious boards, including the Retirement System of Alabama and the Alabama Public Education Employees Health Insurance Plan. She is also the President of the Dudley Foundation, supporting Auburn University's educational initiatives.

SmartFinancial (SMBK) reported strong Q4 2024 results with net income of $9.6 million, or $0.57 per diluted share, compared to $6.2 million ($0.37 per share) in Q4 2023. Key highlights include:

- Net organic loan and lease growth of $189 million with 20% annualized quarter-over-quarter increase
- Net interest margin expansion to 3.24%, up 13 basis points from previous quarter
- Total assets reached $5.28 billion, up $446.5 million from December 2023
- Credit quality remained solid with nonperforming assets to total assets at 0.19%

The company maintained strong deposit growth with total deposits increasing by $418.6 million. The allowance for credit losses to total loans and leases remained stable at 0.96%. The board declared a quarterly cash dividend of $0.08 per share, payable on February 18, 2025.