SMBK
Smartfinancial·NYSE
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SMBK fundamentals
Smartfinancial (SMBK) released its earnings on Jan 20, 2026: revenue was 53.31M (YoY +13.89%), beat estimates; EPS was 0.81 (YoY +42.11%), beat estimates.
Revenue / YoY
53.31M
+13.89%
EPS / YoY
0.81
+42.11%
Report date
Jan 20, 2026
SMBK Earnings Call Summary for Q4,2025
- Revenue Acceleration: Q4 PPNR surged 44% YoY to $20.9 million, driven by 6.08% loan portfolio yield.
- EPS Ambition: 2026 target of $4 annualized EPS reflects confidence in margin expansion and expense control.
- Strategic Expansion: Columbus, GA office launch positions SMBK for 2026 Southeast market penetration.
- Financial Discipline: 5% expense growth guidance (2026: $34.5-35M) supports 3.40%-3.45% NIM range.
- Credit Strength: Nonperforming assets remain at 0.22% of total assets.
EPS
Revenue
Revenue & Expenses
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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Dividend Yield
You can ask Aime
What is the market's earnings forecast for Smartfinancial next quarter?What were the key takeaways from Smartfinancial's earnings call?What does Smartfinancial do and what are its main business segments?What guidance did Smartfinancial's management provide for the next earnings period?What is the revenue and EPS growth rate for Smartfinancial year over year?What factors drove the changes in Smartfinancial's revenue and profit?What is Smartfinancial's latest dividend and current dividend yield?Did Smartfinancial beat or miss consensus estimates last quarter?
