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SmartFinancial (SMBK)
NYSE:SMBK
Earnings Data
Report Date
Jan 26, 2026Before Open (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.78Last Year’s EPS
0.57Same Quarter Last Year
Based on 4 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call presented a strong performance with significant growth in tangible book value, revenue, and balance sheet metrics, alongside recognition for workplace culture. There were some temporary setbacks in net interest margin and non-interest income, but these were outweighed by the company's achievements.Company Guidance
Tangible Book Value Growth
Tangible book value increased to $26 per share, representing over 26% annualized growth quarter over quarter.
Revenue and Earnings Milestones
Operating earnings were $14.5 million or $0.86 per diluted share; achieved $50 million quarterly revenue target early.
Balance Sheet Growth
10% annualized growth in loans and 15% annualized growth in deposits were reported.
Strong Credit Performance
Nonperforming assets were maintained at only 22 basis points.
Non-Broker Deposit Growth
Non-broker deposit growth of $283 million represented more than 24% growth on an annualized basis.
Improved Efficiency Ratio
The operating efficiency ratio improved to 64% from 66% in the previous quarter.
Strong Capital Ratios
Consolidated risk-based capital ratio rose to 13.3% from 11.1% with TCE ratio improving to 7.8%.
Recognition for Workplace Culture
The company was named to Fortune's list of best workplaces, highlighting a strong internal culture.
SMBK Earnings History
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 |
|---|---|---|---|
Oct 21, 2025 | $35.21 | $36.26 | +2.98% |
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% |
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 Jan 26, 2026, Before Open (Confirmed).
What is SmartFinancial (SMBK) earnings time?
SmartFinancial (SMBK) earnings time is at Jan 26, 2026, 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 (Q4) is 0.78.