---
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"
generated_at: "2026-05-16T09:27:58.932703+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-005116
- JSON: https://secwatch.observer/filing/0001104659-26-005116.json
- Plain text: https://secwatch.observer/filing/0001104659-26-005116.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.