SMBK SMARTFINANCIAL INC.

CIK 0001038773 28 ready 8-Ks latest April 20, 2026, 7:59 PM ET RSS · JSON

Activity: NORMAL 1 filings / 30d vs 1 baseline

Ready 8-Ks 28

Latest filing May 22, 2026, 5:00 PM ET

Top materiality 0.75

Event mix earnings ×9 · dividend ×6 · other_material ×4

Sentiment 9 pos · 0 neg · 19 neu

Latest earnings reported 2026-Q1

Executive change recent →

Recent 8-K filings for SMBK

Highest-materiality recent filing

SmartFinancial Q4 2025 EPS $0.81, net income $13.7M; organic loan growth 13% annualized

January 20, 2026, 6:59 PM ET earnings materiality 0.75 positive item 2.02 item 7.01 item 9.01

Net income $13.7M ($0.81 diluted EPS) vs $9.6M ($0.57) in Q4 2024, up 42% YoY.
Net interest margin (FTE) expanded to 3.38% from 3.25% prior quarter on lower deposit costs.

Read filing →

April 20, 2026, 7:59 PM ET earnings materiality 0.70 positive item 2.02 item 7.01 item 9.01 ◈ Earnings Releases

SmartFinancial Q1 net income $13.7M ($0.81 EPS), flat QoQ, up from $0.67 YoY; loan growth $155M

Net income of $13.7M or $0.81 diluted EPS, unchanged from prior quarter; up from $11.3M ($0.67) a year ago.
January 20, 2026, 6:59 PM ET earnings materiality 0.75 positive item 2.02 item 7.01 item 9.01

SmartFinancial Q4 2025 EPS $0.81, net income $13.7M; organic loan growth 13% annualized

Net income $13.7M ($0.81 diluted EPS) vs $9.6M ($0.57) in Q4 2024, up 42% YoY.
October 21, 2025, 7:59 PM ET earnings materiality 0.75 positive item 2.02 item 7.01 item 9.01

SmartFinancial Q3 net income $13.7M ($0.81 EPS); organic loan growth 10% annualized; $100M sub debt issued

Net income $13.7M ($0.81 EPS) vs $9.1M ($0.54 EPS) in Q3 2024; operating EPS $0.86.
August 20, 2025, 7:59 PM ET debt materiality 0.75 neutral item 1.01 item 2.03 item 7.01 item 9.01 ◈ Debt Financings

SmartFinancial issues $100M of 7.25% subordinated notes due 2035; to redeem up to $40M of 2028 notes

Sold $100M aggregate principal of 7.25% Fixed-to-Floating Rate Subordinated Notes due 2035 at 100% of face value.
July 21, 2025, 7:59 PM ET earnings materiality 0.70 positive item 2.02 item 7.01 item 9.01

SmartFinancial Q2 net income $11.7M ($0.69 EPS), up 46% YoY; loan growth 13% annualized

Net income $11.7M ($0.69 diluted EPS) vs $8.0M ($0.48) in Q2 2024, a 46% increase.
April 21, 2025, 7:59 PM ET earnings materiality 0.65 positive item 2.02 item 7.01 item 9.01

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

Net income of $11.3M ($0.67 diluted EPS) up from $9.4M ($0.55) in Q1 2024.
January 21, 2025, 6:59 PM ET earnings materiality 0.70 positive item 2.02 item 7.01 item 9.01

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

Net income $9.6M ($0.57 diluted EPS) vs $6.2M ($0.37) in Q4 2023; operating EPS also $0.57.
October 21, 2024, 7:59 PM ET earnings materiality 0.75 positive item 2.02 item 7.01 item 9.01

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

Net income of $9.1M ($0.54 diluted EPS) vs $2.1M ($0.12) in Q3 2023; operating EPS $0.54.
July 22, 2024, 7:59 PM ET earnings materiality 0.70 neutral item 2.02 item 7.01 item 9.01

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

Net income $8.0M ($0.48 diluted EPS) vs $8.8M ($0.52) YoY and $9.4M ($0.55) QoQ.
April 22, 2024, 7:59 PM ET earnings materiality 0.60 neutral item 2.02 item 7.01 item 9.01 ◈ Earnings Releases

SmartFinancial Q1 net income $9.4M ($0.55 EPS); loan growth 4% annualized

Net income $9.4M ($0.55 diluted EPS) vs $11.5M ($0.68) Q1 2023; operating EPS $0.49.

Executive changes

Appointed

Kelli D. Shomaker

director

SMBK · SMARTFINANCIAL INC.

Effective: 2025-03-27
Filed: March 27, 2025, 7:59 PM ET

the Board of Directors appointed Kelli D. Shomaker as a director of SmartFinancial, effective immediately.

Earnings & guidance

2026-Q1 EPS reported $0.81 filing →

Materiality & sentiment trend

Max materiality 0.75 · Median 0.50 · Most common event earnings

9 positive 0 negative 19 neutral

source · SMBK on sec.gov