secwatch.observer — SEC 8-K summary
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Issuer:     SMARTFINANCIAL INC. (SMBK)
CIK:        0001038773
Form:       8-K
Filed at:   2026-01-20T23:59:59+00:00
Accession:  0001104659-26-005116
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1038773/000110465926005116/0001104659-26-005116-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1038773/000110465926005116/smbk-20260120x8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-26-005116

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer