---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-24-013421"
form_type: "8-K"
ticker: "SMBK"
cik: "0001038773"
company_name: "SMARTFINANCIAL INC."
filed_at: "2024-10-21T23:59:59+00:00"
generated_at: "2026-05-30T12:13:40.988640+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001558370-24-013421
- form_type: 8-K
- ticker: SMBK
- cik: 0001038773
- company_name: SMARTFINANCIAL INC.
- filed_at: 2024-10-21T23:59:59+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/1038773/000155837024013421/0001558370-24-013421-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1038773/000155837024013421/smbk-20241021x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-24-013421
- JSON: https://secwatch.observer/filing/0001558370-24-013421.json
- Plain text: https://secwatch.observer/filing/0001558370-24-013421.txt

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