SmartFinancial Q4 net income rises

SmartFinancial

20/01/2026 22:09

Overview

Bank holding company's Q4 net income rose to $13.7 mln from $9.6 mln yr/yr

Net interest margin for Q4 expanded to 3.38% from 3.25% in prior quarter

Company achieved 13% annualized qtr/qtr net organic loan and lease growth

Outlook

SmartFinancial did not provide specific guidance for 2026

Result Drivers

LOAN AND LEASE GROWTH - SmartFinancial reported a 13% annualized quarter-over-quarter increase in net organic loan and lease growth, contributing to higher net interest income

DEPOSIT GROWTH - The company achieved an 8% annualized quarter-over-quarter increase in deposits, supporting overall financial growth

NET INTEREST MARGIN EXPANSION - Net interest margin expanded to 3.38%, driven by lower deposit and funding costs, despite a slight decrease in asset yields

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 EPS
$0.81
Q4 Net Income
$13.7 mln
Q4 Net Interest Income
$45.1 mln


Analyst Coverage

The current average analyst rating on the shares is "hold" and the breakdown of recommendations is 1 "strong buy" or "buy", 5 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the banks peer group is "buy."

Wall Street's median 12-month price target for SmartFinancial Inc is $40.38, about 3.5% above its January 20 closing price of $39.00

The stock recently traded at 12 times the next 12-month earnings vs. a P/E of 11 three months ago

Press Release: ID:nBwcfzBYta

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)