---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-24-009947"
form_type: "8-K"
ticker: "SMBK"
cik: "0001038773"
company_name: "SMARTFINANCIAL INC."
filed_at: "2024-07-22T23:59:59+00:00"
generated_at: "2026-05-31T18:25:04.917475+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# SmartFinancial Q2 net income $8.0M ($0.48 EPS); loan growth 11% annualized, margin expands to 2.97%

## Summary
- Net income $8.0M ($0.48 diluted EPS) vs $8.8M ($0.52) YoY and $9.4M ($0.55) QoQ.
- Net organic loan growth $97M (11% annualized QoQ); NIM expanded 12bp to 2.97% FTE.
- Tangible book value per share up 10% annualized QoQ; operating EPS $0.46.
- Repurchased 136,195 shares at avg $21.57; NPAs to total assets 0.20%.

## SEC filing metadata
- accession: 0001558370-24-009947
- form_type: 8-K
- ticker: SMBK
- cik: 0001038773
- company_name: SMARTFINANCIAL INC.
- filed_at: 2024-07-22T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1038773/000155837024009947/0001558370-24-009947-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1038773/000155837024009947/smbk-20240722x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-24-009947
- JSON: https://secwatch.observer/filing/0001558370-24-009947.json
- Plain text: https://secwatch.observer/filing/0001558370-24-009947.txt

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