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Sep 30, 2025
Smartfinancial Q3 2025 Earnings Report
SmartFinancial reported strong Q3 2025 results with record operating revenue, solid net income growth, and improved loan and deposit metrics.
Key Takeaways
SmartFinancial delivered a strong third quarter with $13.7 million in net income and surpassed $50 million in revenue. EPS and operating EPS rose meaningfully year-over-year, driven by robust loan growth, increased deposits, and strategic initiatives including the sale of SBKI and securities repositioning.
Net income rose to $13.7M, up from $9.1M YoY
Achieved over $50M in operating revenue, meeting internal milestone
Net organic loan and lease growth of $98M, with a 10% annualized QoQ increase
Issued $100M in subordinated debt, retiring $40M to support future growth
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
SmartFinancial is optimistic about Q4 and FY2026, citing strengthened balance sheet, increased market share, and new capital deployment.
Positive Outlook
- Repositioned securities to optimize balance sheet
- Issued $100M subordinated debt to support growth
- Gained $4M from SBKI sale while maintaining strategic partnership
- Achieved $50M revenue milestone ahead of schedule
- Continued strong loan and deposit growth trends
Challenges Ahead
- Higher cost of interest-bearing liabilities
- Slight decline in net interest margin QoQ
- Loss on securities sale of $3.9M impacted noninterest income
- Increase in restructuring expenses to $1.3M
- Rising nonperforming loan ratios compared to prior quarter
Historical Earnings Impact
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Avg. Return Before/After Earnings
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