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Dec 31, 2025
Smartfinancial Q4 2025 Earnings Report
SmartFinancial reported strong Q4 results with steady earnings and margin expansion.
Key Takeaways
SmartFinancial posted net income of $13.7 million and maintained consistent earnings per share. The bank saw improvements in net interest margin and deposit growth, supporting a stable quarter-end performance.
Net income for Q4 2025 was $13.7 million, unchanged from the prior quarter
Net interest margin (FTE) expanded to 3.38% due to lower funding costs
Loan and lease portfolio increased by $141 million organically
Tangible book value per common share rose to $26.85, a 13% QoQ increase
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
SmartFinancial anticipates continued growth in lending, disciplined deposit pricing, and margin stability, while remaining cautious amid potential macroeconomic uncertainties.
Positive Outlook
- Expect loan growth to remain healthy into 2026
- Deposit pricing discipline expected to support margins
- Cost control measures to benefit efficiency ratios
- Positive operating leverage targeted for 2026
- Completed technology contract renegotiation supports long-term cost structure
Challenges Ahead
- Macroeconomic conditions could pressure loan demand
- Potential for rising credit losses if economy weakens
- Uncertain interest rate path may affect asset yields
- Low capital markets activity may weigh on fee income
Historical Earnings Impact
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Avg. Return Before/After Earnings
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