SmartFinancial Q4 2025 EPS $0.81, net income $13.7M; organic loan growth 13% annualized

SMARTFINANCIAL INC.

2025-FY EPS reported $2.98

Net income $13.7M ($0.81 diluted EPS) vs $9.6M ($0.57) in Q4 2024, up 42% YoY.
Net interest margin (FTE) expanded to 3.38% from 3.25% prior quarter on lower deposit costs.
Net organic loan growth $141M (13% annualized); deposit growth $102M (8% annualized).
Tangible book value per share grew 13% quarter-over-quarter.
Seventh consecutive quarter of positive operating leverage; FY 2025 operating leverage ~11%.

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