{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-005116","form_type":"8-K","ticker":"SMBK","cik":"0001038773","company_name":"SMARTFINANCIAL INC.","filed_at":"2026-01-20T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.439442+00:00","generated_at":"2026-05-16T09:27:58.932703+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"SmartFinancial Q4 2025 EPS $0.81, net income $13.7M; organic loan growth 13% annualized","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-005116","json":"https://secwatch.observer/filing/0001104659-26-005116.json","markdown":"https://secwatch.observer/filing/0001104659-26-005116.md","text":"https://secwatch.observer/filing/0001104659-26-005116.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1038773/000110465926005116/0001104659-26-005116-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1038773/000110465926005116/smbk-20260120x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:27:58.932703+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}