SmartFinancial Q3 net income $9.1M ($0.54 EPS), up from $2.1M year ago; loan growth 16% annualized

SMARTFINANCIAL INC.

2024-Q3 EPS reported $1.57

Net income of $9.1M ($0.54 diluted EPS) vs $2.1M ($0.12) in Q3 2023; operating EPS $0.54.
Net interest margin expanded 14 bps to 3.11% QoQ; net interest income $35.0M.
Organic loan and lease growth of $144M (16% annualized QoQ); NPAs only 0.26% of assets.
Tangible book value per share grew 19% annualized QoQ; REIT subsidiary established for tax savings.

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