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SmartFinancial ( (SMBK) ) has issued an update.
On January 20, 2026, SmartFinancial reported strong results for the fourth quarter of 2025, posting net income and operating earnings of $13.7 million, or $0.81 per diluted share, up from $9.6 million, or $0.57 per share, a year earlier, and flat with the prior quarter on a net income basis. The quarter featured robust net organic loan and lease growth of $141 million, 8% annualized deposit growth, a 13% quarter-over-quarter increase in tangible book value per share, and a tax-equivalent net interest margin expansion to 3.38% driven by lower deposit and funding costs, alongside the company’s seventh consecutive quarter of positive operating leverage. For full-year 2025, management highlighted approximately 12% organic loan growth, 14% organic deposit growth excluding brokered deposits, and a 17% rise in tangible book value per share, underscoring improved profitability and operational efficiency, further supported by the completion of a multi-year core contract renegotiation and stable credit quality with nonperforming assets at 0.22% of total assets and an allowance for credit losses of 0.94% of loans and leases.
The most recent analyst rating on (SMBK) stock is a Buy with a $44.00 price target. To see the full list of analyst forecasts on SmartFinancial stock, see the SMBK Stock Forecast page.
Spark’s Take on SMBK Stock
According to Spark, TipRanks’ AI Analyst, SMBK is a Neutral.
The score is driven primarily by solid financial performance (strong cash generation and low leverage) and a positive earnings-call profile (growth in tangible book value, revenue/earnings execution, and strong credit quality). These strengths are tempered by weaker near-term technical momentum and only moderate shareholder yield despite a reasonable P/E valuation.
To see Spark’s full report on SMBK stock, click here.
More about SmartFinancial
SmartFinancial, Inc., headquartered in Knoxville, Tennessee, is a regional financial services company that operates SmartBank, providing commercial and consumer banking products including loans, leases and deposit services. The company focuses on organic growth in its core Southeastern U.S. markets, with recent expansion activity including the addition of commercial bankers in Columbus, Georgia.
Average Trading Volume: 78,879
Technical Sentiment Signal: Buy
Current Market Cap: $671.2M
See more data about SMBK stock on TipRanks’ Stock Analysis page.