SmartFinancial Q4 net income $9.6M ($0.57 EPS); NIM expands 13 bps to 3.24%

SMARTFINANCIAL INC.

2024-FY EPS reported $2.14

Net income $9.6M ($0.57 diluted EPS) vs $6.2M ($0.37) in Q4 2023; operating EPS also $0.57.
Net organic loan growth $189M, 20% annualized QoQ increase.
Tax-equivalent NIM rose 13 bps QoQ to 3.24%; cost of total deposits fell to 2.43%.
Nonperforming assets remain low at 0.19% of total assets.
Chairman noted 10% annual tangible book value growth and profitability improvement.

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