SmartFinancial Q3 net income $13.7M ($0.81 EPS); organic loan growth 10% annualized; $100M sub debt issued

SMARTFINANCIAL INC.

2025-Q3 EPS reported $2.17

Net income $13.7M ($0.81 EPS) vs $9.1M ($0.54 EPS) in Q3 2024; operating EPS $0.86.
Organic loan growth $98M (10% annualized QoQ); deposit growth $179M (15% annualized QoQ).
Tangible book value per share grew 26% annualized QoQ; achieved $50M quarterly operating revenue.
$4.0M pre-tax gain from sale of SBK Insurance; $85M securities repositioning resulted in $3.9M pre-tax loss.
Issued $100M subordinated debt; retired $40M existing sub debt; funded growth.

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