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SmartFinancial Earnings Calls
| Release date | Apr 20, 2026 |
| EPS estimate | $0.81 |
| EPS actual | $0.81 |
| Revenue estimate | 53.213M |
| Revenue actual | 53.817M |
| Revenue Surprise | 1.14% |
| Release date | Jan 20, 2026 |
| EPS estimate | $0.80 |
| EPS actual | $0.81 |
| EPS Surprise | 1.25% |
| Revenue estimate | 51.387M |
| Revenue actual | 53.313M |
| Revenue Surprise | 3.75% |
| Release date | Oct 21, 2025 |
| EPS estimate | $0.730 |
| EPS actual | $0.86 |
| EPS Surprise | 17.81% |
| Revenue estimate | 51.952M |
| Revenue actual | 47.112M |
| Revenue Surprise | -9.32% |
| Release date | Jul 21, 2025 |
| EPS estimate | $0.660 |
| EPS actual | $0.690 |
| EPS Surprise | 4.55% |
| Revenue estimate | 50.642M |
| Revenue actual | 49.241M |
| Revenue Surprise | -2.77% |
Last 4 Quarters for SmartFinancial
Below you can see how SMBK performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 21, 2025 |
| Price on release | $36.07 |
| EPS estimate | $0.660 |
| EPS actual | $0.690 |
| EPS surprise | 4.55% |
| Date | Price |
|---|---|
| Jul 15, 2025 | $34.89 |
| Jul 16, 2025 | $35.55 |
| Jul 17, 2025 | $36.05 |
| Jul 18, 2025 | $36.27 |
| Jul 21, 2025 | $36.07 |
| Jul 22, 2025 | $35.42 |
| Jul 23, 2025 | $36.05 |
| Jul 24, 2025 | $35.58 |
| Jul 25, 2025 | $35.48 |
| 4 days before | 3.38% |
| 4 days after | -1.64% |
| On release day | -1.80% |
| Change in period | 1.69% |
| Release date | Oct 21, 2025 |
| Price on release | $35.21 |
| EPS estimate | $0.730 |
| EPS actual | $0.86 |
| EPS surprise | 17.81% |
| Date | Price |
|---|---|
| Oct 15, 2025 | $34.74 |
| Oct 16, 2025 | $34.25 |
| Oct 17, 2025 | $34.50 |
| Oct 20, 2025 | $35.11 |
| Oct 21, 2025 | $35.21 |
| Oct 22, 2025 | $36.26 |
| Oct 23, 2025 | $34.53 |
| Oct 24, 2025 | $35.55 |
| Oct 27, 2025 | $35.21 |
| 4 days before | 1.35% |
| 4 days after | 0% |
| On release day | 2.98% |
| Change in period | 1.35% |
| Release date | Jan 20, 2026 |
| Price on release | $39.00 |
| EPS estimate | $0.80 |
| EPS actual | $0.81 |
| EPS surprise | 1.25% |
| Date | Price |
|---|---|
| Jan 13, 2026 | $38.01 |
| Jan 14, 2026 | $38.61 |
| Jan 15, 2026 | $39.49 |
| Jan 16, 2026 | $39.42 |
| Jan 20, 2026 | $39.00 |
| Jan 21, 2026 | $40.39 |
| Jan 22, 2026 | $41.41 |
| Jan 23, 2026 | $39.22 |
| Jan 26, 2026 | $39.07 |
| 4 days before | 2.60% |
| 4 days after | 0.179% |
| On release day | 3.56% |
| Change in period | 2.79% |
| Release date | Apr 20, 2026 |
| Price on release | $42.76 |
| EPS estimate | $0.81 |
| EPS actual | $0.81 |
| Date | Price |
|---|---|
| Apr 14, 2026 | $42.49 |
| Apr 15, 2026 | $41.79 |
| Apr 16, 2026 | $41.36 |
| Apr 17, 2026 | $42.38 |
| Apr 20, 2026 | $42.76 |
| Apr 21, 2026 | $40.86 |
| Apr 22, 2026 | $41.12 |
| Apr 23, 2026 | $41.98 |
| Apr 24, 2026 | $42.17 |
| 4 days before | 0.635% |
| 4 days after | -1.38% |
| On release day | -4.44% |
| Change in period | -0.753% |
SmartFinancial Earnings Call Transcript Summary of Q1 2026
SmartFinancial reported a strong start to 2026 with operating earnings of $13.7 million ($0.81 diluted EPS) and tangible book value rising to $27.33 per share. Key operational metrics: loan growth of 14% annualized, core deposit growth of 7% annualized (excluding brokered CD payoffs), net interest income up modestly to $45.9 million and NIM improved to 3.48%. Management highlighted disciplined, organic growth across its footprint, continued low credit losses (NPAs at 0.25% of assets; net charge-offs 0.02%), and an updated CECL model that increased the ACL to $44 million (0.97% of loans). Funding mix improved with $95 million of nonbrokered deposit inflows and paydown of $52 million of higher-cost brokered deposits; funding costs fell 18 bps. Management expects NIM to be roughly flat in Q2 and to tick up in H2 if current rate conditions persist. Operating noninterest expense was $32.9 million; guidance for Q2 noninterest expense is $34.0–34.5 million. Capital remains healthy (TCE 8.0%, total risk-based capital 12.7%). Management reiterated focus on recruiting, deepening client relationships (including wealth/private banking additions), disciplined pricing (turning away unprofitable deals), and an internal goal to reach a $4.00 EPS run rate by year-end 2026.
