SMBK
Smartfinancial·NYSE
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SMBK fundamentals
Smartfinancial (SMBK) released its earnings on Oct 21, 2025: revenue was 51.06M (YoY +15.60%), met estimates; EPS was 0.81 (YoY +50.00%), beat estimates.
Revenue / YoY
51.06M
+15.60%
EPS / YoY
0.81
+50.00%
Report date
Oct 21, 2025
SMBK Earnings Call Summary for Q3,2025
- Revenue Growth: Q3 revenue of $50.8M exceeded targets, with 10% loan and 15% deposit growth.
- Margin Expansion: 3.25% NIM in Q3, targeting 3.3-3.35% in Q4 and 5-7 bps quarterly in 2026.
- Efficiency: 64% efficiency ratio, stable expenses at $32.6M.
- Tech Focus: AI and digital tools to enhance growth without significant cost.
- Strategic Growth: Alabama, Florida, and Tennessee markets driving expansion, with pipeline supporting high single-digit loan growth.
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Key Indicators
Smartfinancial (SMBK) key financial stats and ratios, covering profitability, financial health, and leverage.
Smartfinancial (SMBK)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Smartfinancial (SMBK)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Smartfinancial (SMBK)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does Smartfinancial (SMBK) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Smartfinancial (SMBK) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What is the market's earnings forecast for Smartfinancial next quarter?What does Smartfinancial do and what are its main business segments?What is the revenue and EPS growth rate for Smartfinancial year over year?What were the key takeaways from Smartfinancial's earnings call?What were the key takeaways from Smartfinancial’s earnings call?What is Smartfinancial's latest dividend and current dividend yield?What factors drove the changes in Smartfinancial's revenue and profit?What guidance did Smartfinancial's management provide for the next earnings period?
