NYSE$SMBK
Smartfinancial Inc · Q4 2024 earnings
Q4 2024 earnings · · Investor relations
Briefing
Announced results for the fourth quarter of 2024, demonstrating improved profitability and strategic growth.
SmartFinancial, Inc. reported a strong fourth quarter in 2024 with net income of $9.6 million, or $0.57 per diluted common share. The company experienced net organic loan and lease growth, expansion of net interest margin, and solid credit quality.
- Operating earnings of $9.6 million, or $0.57 per diluted common share.
- Net organic loan and lease growth of $189 million, reflecting a 20% annualized quarter-over-quarter increase.
- Net tax equivalent interest margin expanded by 13 basis points to 3.24% quarter-over-quarter.
- Nonperforming assets to total assets remained solid at 0.19%.
Headline financials
Revenue & EPS history
Smartfinancial · Revenue · Quarterly
$46.8M
Revenue by segment
Smartfinancial · $28M total across 4 segments · Q1 2020
- Loans incl. fees$26.4M—94.4%
- Taxable securities$679K—2.4%
- Fed funds & other assets$602K—2.2%
- Tax-exempt securities$283K—1.0%
Forward guidance
SmartFinancial is committed and confident in its ability to further enhance profitability and drive value for its shareholders in 2025.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2024
+0.7%
Avg return
Earnings day
+1.5%
Avg return
5 days after
+3.9%
Avg return
30 days after
55%
36 / 66 earnings
Positive
+14.3%
Q1 2011
Best reaction
-18.4%
Q3 2010
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -4.7% | -1.4% | -2.8% | |
| Q4 2025 | +3.1% | +0.2% | +7.1% | |
| Q3 2025 | +3.1% | +0.0% | +1.3% | |
| Q2 2025 | -0.9% | -2.0% | +2.6% | |
| Q1 2025 | +6.7% | +6.2% | +10.4% | |
| Q4 2024 | +10.1% | +12.5% | +12.5% | |
| Q3 2024 | -0.1% | +1.9% | +14.7% | |
| Q2 2024 | +5.0% | +6.1% | +2.8% | |
| Q1 2024 | +1.6% | +3.8% | +17.4% | |
| Q4 2023 | +2.4% | +6.0% | -4.0% | |
| Q3 2023 | -2.2% | -1.5% | +3.3% | |
| Q2 2023 | -1.8% | -0.5% | -6.1% | |
| Q1 2023 | -0.7% | -1.6% | -0.4% | |
| Q4 2022 | +0.5% | -2.9% | -0.1% | |
| Q3 2022 | +4.0% | +8.8% | +8.3% | |
| Q2 2022 | +2.8% | +7.9% | +7.8% | |
| Q1 2022 | -1.8% | -2.0% | -0.1% | |
| Q4 2021 | +1.7% | +0.7% | -1.0% | |
| Q3 2021 | +0.6% | +2.2% | +4.0% | |
| Q2 2021 | +2.9% | +2.6% | +3.5% | |
| Q1 2021 | +0.8% | +3.8% | +6.5% | |
| Q4 2020 | +1.9% | +3.6% | +4.6% | |
| Q3 2020 | -1.5% | +2.3% | +20.8% | |
| Q2 2020 | +1.7% | +0.3% | +2.6% | |
| Q1 2020 | +12.3% | +10.1% | +5.5% | |
| Q4 2019 | -1.5% | +0.3% | -8.0% | |
| Q3 2019 | -1.5% | -0.3% | +8.4% | |
| Q2 2019 | +1.3% | -0.3% | -13.2% | |
| Q1 2019 | +7.0% | +5.5% | +8.0% | |
| Q4 2018 | -0.3% | +5.9% | +11.3% | |
| Q3 2018 | -9.1% | -8.8% | -8.2% | |
| Q2 2018 | -2.6% | -5.6% | -3.8% | |
| Q1 2018 | +0.1% | +0.1% | +4.9% | |
| Q4 2017 | +2.5% | -0.0% | +0.8% | |
| Q3 2017 | +0.0% | -2.1% | +3.7% | |
| Q2 2017 | +3.0% | -0.3% | +3.1% | |
| Q4 2016 | -0.2% | -2.4% | +5.0% | |
| Q1 2017 | -0.2% | -2.4% | +5.0% | |
| Q3 2016 | +1.4% | +2.8% | +12.6% | |
| Q2 2016 | +1.3% | -0.3% | +4.9% | |
| Q1 2016 | +0.9% | — | — | |
| Q4 2015 | +0.5% | — | — | |
| Q3 2015 | +0.6% | — | — | |
| Q2 2015 | +1.3% | — | — | |
| Q1 2015 | +4.4% | — | — | |
| Q4 2014 | -3.8% | — | — | |
| Q3 2014 | +0.0% | — | — | |
| Q2 2014 | +0.0% | — | — | |
| Q1 2014 | +0.4% | — | — | |
| Q4 2013 | +6.8% | — | — | |
| Q3 2013 | +0.0% | — | — | |
| Q2 2013 | +0.0% | — | — | |
| Q1 2013 | +0.0% | — | — | |
| Q4 2012 | +0.0% | — | — | |
| Q3 2012 | +6.7% | — | — | |
| Q2 2012 | -6.4% | — | — | |
| Q1 2012 | +14.3% | — | — | |
| Q1 2011 | +14.3% | — | — | |
| Q4 2009 | +11.1% | — | — | |
| Q4 2011 | +11.1% | — | — | |
| Q3 2011 | -18.4% | — | — | |
| Q3 2010 | -18.4% | — | — | |
| Q4 2010 | -8.2% | — | — | |
| Q2 2011 | -8.2% | — | — | |
| Q2 2010 | -8.2% | — | — | |
| Q1 2010 | -2.0% | — | — |
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