The earnings call reflects a strong financial performance with notable growth in net income, loan, and deposit metrics, alongside solid credit quality and successful talent acquisition. While there are challenges related to seasonal deposit outflows and increased costs, the overall outlook remains positive with robust revenue and margin expansion.

Company Guidance -

Q3 2025

During the SmartFinancial Second Quarter 2025 Earnings Call, several key performance metrics were highlighted. The company reported net income of $11.7 million, or $0.69 per diluted share, marking five consecutive quarters of positive operating leverage. Tangible book value increased to $24.42 per share, representing over 13% annualized growth quarter-over-quarter. Loan growth was strong, with a 13% annualized pace for Q2, while deposits grew at a 5% annualized rate. The net interest margin expanded to 3.29%, up 8 basis points from the previous quarter, driven by higher loan yields. Total revenue was $49.2 million, with noninterest income reaching $8.9 million. Operating expenses were contained at $32.6 million. The company's loan-to-deposit ratio stood at 85%, and nonperforming assets were at a low 0.19% of total assets. Looking forward, SmartFinancial anticipates further margin expansion and continued growth in revenue and earnings per share, driven by strong sales momentum and strategic talent acquisition.

Strong Net Income and Earnings Per Share

For Q2 2025, SmartFinancial posted net income of $11.7 million or $0.69 per diluted share, marking five consecutive quarters of positive leverage.

Tangible Book Value Growth

The tangible book value increased to $24.42 per share, representing a growth of over 13% annualized quarter-over-quarter.

Loan and Deposit Growth

Loans grew at a 13% annualized pace while deposits grew at a 5% annualized pace quarter-over-quarter.

Strong Credit Metrics

Nonperforming assets are at just 19 basis points, with net charge-offs at 0.01% annualized.

Revenue and Margin Expansion

Total revenue came in at $49.2 million, with a net interest margin increase to 3.29%, representing an 8 basis point improvement over the previous quarter.

Successful Recruitment of Talent

The company is expanding its talent pool with new hires focused on commercial banking, private banking, and treasury management.

SmartFinancial (SMBK) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

SMBK Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 27, 2025	2025 (Q3)	0.73 / -	0.54	―	―	―
Jul 21, 2025	2025 (Q2)	0.64 / 0.69	0.46	50.00% (+0.23)
Apr 21, 2025	2025 (Q1)	0.55 / 0.67	0.49	36.73% (+0.18)
Jan 21, 2025	2024 (Q4)	0.51 / 0.57	0.41	39.02% (+0.16)
Oct 21, 2024	2024 (Q3)	0.46 / 0.54	0.43	25.58% (+0.11)
Jul 22, 2024	2024 (Q2)	0.39 / 0.46	0.52	-11.54% (-0.06)
Apr 22, 2024	2024 (Q1)	0.41 / 0.49	0.68	-27.94% (-0.19)
Jan 22, 2024	2023 (Q4)	0.41 / 0.41	0.76	-46.05% (-0.35)
Oct 23, 2023	2023 (Q3)	0.47 / 0.43	0.69	-37.68% (-0.26)
Jul 24, 2023	2023 (Q2)	0.53 / 0.52	0.61	-14.75% (-0.09)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

SMBK Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 21, 2025	$35.98	$35.33	-1.81%
Apr 21, 2025	$28.20	$30.09	+6.70%
Jan 21, 2025	$31.94	$34.52	+8.08%
Oct 21, 2024	$29.86	$30.76	+3.01%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does SmartFinancial (SMBK) report earnings?

SmartFinancial (SMBK) is schdueled to report earning on Oct 27, 2025, Before Open (Confirmed).

What is SmartFinancial (SMBK) earnings time?

SmartFinancial (SMBK) earnings time is at Oct 27, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is SMBK EPS forecast?

SMBK EPS forecast for the fiscal quarter 2025 (Q3) is 0.73.

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