SmartFinancial Q1 net income $11.3M, EPS $0.67; loan growth 9% annualized

SMARTFINANCIAL INC.

2025-Q1 EPS reported $0.67

Net income of $11.3M ($0.67 diluted EPS) up from $9.4M ($0.55) in Q1 2024.
Operating earnings $11.3M ($0.67 diluted EPS) vs $8.4M ($0.49) in Q1 2024.
Organic loan & lease growth of $86M, 9% annualized QoQ; deposit growth $122M (10% annualized).
Credit quality solid, NPAs to total assets at 0.19%.
Quarterly cash dividend of $0.08/share declared, payable May 19 to holders of record May 2, 2025.

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