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SMBK · Smartfinancial Inc.

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$52.78 +0.21 (+0.40%) At close · Aug 14
Market Cap
$902.46M
Shares
17.10M

Smartfinancial Inc. Earnings Call Transcripts

Every quarterly earnings call for Smartfinancial Inc. (SMBK) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.

Earnings call
FY26 · Q2
2026-07-21
SmartFinancial Second Quarter 2026 Earnings Release and Conference Call
Confident tone Market Expansion and Strategic Positioning Profitability and Returns Credit Quality
Diluted EPS
$0.96
▲ 39.1% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY26 · Q1
2026-04-20
Smartfinancial Inc. Q1 FY2026 Earnings Call
Positive tone Geographic Expansion Deposit and Funding Net Interest Margin
Diluted EPS
$0.81
▲ 20.9% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q4
2026-01-21
Smartfinancial Inc. Q4 FY2025 Earnings Call
Confident tone Columbus, Georgia market expansion Record earnings and operating leverage Credit quality and fountain equipment loans
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY25 · Q3
2025-10-22
Smartfinancial Inc. Q3 FY2025 Earnings Call
Confident tone Organic Growth and Balance Sheet Expansion Insurance Platform Divestiture Capital and Sub-Debt Actions
Diluted EPS
$0.81
▲ 50% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q2
2025-07-22
Smartfinancial Inc. Q2 FY2025 Earnings Call
Confident tone Profitability and Returns Credit Quality Loan and Deposit Growth
Diluted EPS
$0.69
▲ 43.8% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q1
2025-04-22
Smartfinancial Inc. Q1 FY2025 Earnings Call
Confident tone Credit Quality Fountain Portfolio Risk Loan Growth
Diluted EPS
$0.67
▲ 21.8% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q4
2025-01-22
Smartfinancial Inc. Q4 FY2024 Earnings Call
Confident tone Loan and Deposit Growth Asset Quality and Credit Net Interest Margin and Yields
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY24 · Q3
2024-10-22
Smartfinancial Inc. Q3 FY2024 Earnings Call
Confident tone Loan Growth Deposit Repositioning Operating Leverage and Expenses
Diluted EPS
$0.54
▲ 350% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q2
2024-07-23
Smartfinancial Inc. Q2 FY2024 Earnings Call
Confident tone Net interest margin expansion Credit quality Deposits and funding costs
Diluted EPS
$0.48
▼ 7.7% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q1
2024-04-23
Smartfinancial Inc. Q1 FY2024 Earnings Call
Positive tone Loan and Deposit Growth Liquidity and Securities Portfolio Strategic Footprint and Demographics
Diluted EPS
$0.55
▼ 19.1% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q4
2024-01-23
Smartfinancial Inc. Q4 FY2023 Earnings Call
Positive tone Credit quality and problem credits Net interest margin and revenue inflection Loan growth and portfolio composition
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY23 · Q3
2023-10-24
Smartfinancial Inc. Q3 FY2023 Earnings Call
Diluted EPS
$0.12
▼ 82.4% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q2
2023-07-25
Smartfinancial Inc. Q2 FY2023 Earnings Call
Diluted EPS
$0.52
▼ 14.8% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q1
2023-04-25
Smartfinancial Inc. Q1 FY2023 Earnings Call
Diluted EPS
$0.68
▲ 38.8% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q4
2023-01-24
Smartfinancial Inc. Q4 FY2022 Earnings Call
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY22 · Q3
2022-10-25
Smartfinancial Inc. Q3 FY2022 Earnings Call
Diluted EPS
$0.68
▲ 11.5% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q2
2022-07-26
Smartfinancial Inc. Q2 FY2022 Earnings Call
Diluted EPS
$0.61
▲ 5.2% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q1
2022-04-26
Smartfinancial Inc. Q1 FY2022 Earnings Call
Diluted EPS
$0.49
▼ 24.6% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q4
2022-01-25
Smartfinancial Inc. Q4 FY2021 Earnings Call
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY21 · Q3
2021-10-20
Smartfinancial Inc. Q3 FY2021 Earnings Call
Diluted EPS
$0.61
▲ 45.2% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q2
2021-07-21
Smartfinancial Inc. Q2 FY2021 Earnings Call
Diluted EPS
$0.58
▲ 41.5% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q1
2021-04-21
Smartfinancial Inc. Q1 FY2021 Earnings Call
Diluted EPS
$0.65
▲ 242.1% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q4
2021-01-19
Smartfinancial Inc. Q4 FY2020 Earnings Call
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY20 · Q3
2020-10-20
Smartfinancial Inc. Q3 FY2020 Earnings Call
Diluted EPS
$0.42
▲ 0% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q2
2020-07-21
Smartfinancial Inc. Q2 FY2020 Earnings Call
Diluted EPS
$0.41
▼ 36.9% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q1
2020-04-28
Smartfinancial Inc. Q1 FY2020 Earnings Call
Diluted EPS
$0.19
▼ 44.1% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY19 · Q4
2020-01-22
Smartfinancial Inc. Q4 FY2019 Earnings Call
Results not yet reported
Audio Transcript Slides 8-K10-K
Showing 1–27 of 27 earnings calls
Key facts CIK 1038773 CUSIP 83190L208 13F (30d) 170 filings 170 filers Visit website Investor relations

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