SmartFinancial Q3 2022 operating EPS $0.69 beats prior quarters; net income $11.5M

SMARTFINANCIAL INC.

2022-Q3 EPS reported $1.78

Operating earnings of $11.6M ($0.69/diluted) up 13% QoQ and 17% YoY.
Net interest income rose to $36.7M (11% QoQ); NIM (FTE) expanded to 3.29% from 3.08%.
Organic loan growth of $109M (15% annualized) driven by strong Southeast market demand.
Credit quality solid: NPAs/Assets at 0.10%, allowance/loans at 0.73%.
Completed asset purchase of Sunbelt Insurance, diversifying fee income.

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