SMBK SMARTFINANCIAL INC.

CIK 0001038773 50 ready 8-Ks latest July 20, 2026, 5:00 PM ET RSS · JSON

Activity: QUIET 0 filings / 30d vs 1 baseline

Ready 8-Ks 50

Latest filing July 20, 2026, 5:00 PM ET

Top materiality 0.80

Event mix earnings ×18 · dividend ×13 · other_material ×6

Sentiment 16 pos · 2 neg · 32 neu

Latest earnings reported 2026-Q1

Executive change recent →

Recent 8-K filings for SMBK

Highest-materiality recent filing

SmartFinancial Q4 2022 diluted EPS $0.77; operating EPS $0.76 beats prior year

January 23, 2023, 6:59 PM ET earnings materiality 0.80 positive item 2.02 item 7.01 item 9.01 ◈ Earnings Releases

Net income $13.0M ($0.77 diluted); operating earnings $12.9M ($0.76 diluted) up 48% YoY.
Organic loan growth $130.2M (17% annualized QoQ); net interest margin 3.51% (FTE) vs 3.29% prior Q.

Read filing →

July 20, 2026, 5:00 PM ET earnings materiality 0.75 positive item 2.02 item 7.01 item 9.01

SmartFinancial Q2 net income $16.3M, EPS $0.96, up 39% YoY; loan growth 15% annualized

Net income $16.3M ($0.96 diluted EPS) vs $11.7M ($0.69) in Q2 2025 and $13.7M ($0.81) in Q1 2026.
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.
January 22, 2024, 6:59 PM ET earnings materiality 0.65 neutral item 2.02 item 7.01 item 9.01 ◈ Earnings Releases

SmartFinancial Q4 net income $6.2M ($0.37 EPS); operating EPS $0.41; loan growth 8% annualized

Net income $6.2M ($0.37 diluted EPS) vs $13.0M ($0.77) in Q4 2022; operating earnings $6.9M ($0.41).
October 23, 2023, 7:59 PM ET earnings materiality 0.75 negative item 2.02 item 7.01 item 9.01 ◈ Earnings Releases ×2

SmartFinancial Q3 net income $2.1M ($0.12 EPS); operating EPS $0.43; organic loan growth $42M

Net income $2.1M ($0.12 diluted EPS) vs $11.5M ($0.68) in Q3 2022 and $8.8M ($0.52) in Q2 2023.
July 24, 2023, 7:59 PM ET earnings materiality 0.75 negative item 2.02 item 7.01 item 9.01 ◈ Earnings Releases

SmartFinancial Q2 operating EPS $0.52, down from $0.61 YoY; loan growth 7% annualized

Operating earnings $8.8M ($0.52 diluted EPS), vs $10.2M ($0.61) YoY and $11.5M ($0.68) prior Q.
April 24, 2023, 7:59 PM ET earnings materiality 0.70 positive item 2.02 item 7.01 item 9.01 ◈ Earnings Releases

SmartFinancial Q1 net income $11.5M, EPS $0.68; operating earnings up 34% YoY

Operating earnings $11.5M ($0.68 diluted) vs $8.6M ($0.51) in Q1 2022, a 34% increase.
January 26, 2023, 6:59 PM ET dividend materiality 0.60 positive item 7.01 item 9.01

SmartFinancial hikes quarterly dividend 14% to $0.08 per share

Board declared $0.08/share quarterly cash dividend, a 14% increase from prior $0.07/share.
January 23, 2023, 6:59 PM ET earnings materiality 0.80 positive item 2.02 item 7.01 item 9.01 ◈ Earnings Releases

SmartFinancial Q4 2022 diluted EPS $0.77; operating EPS $0.76 beats prior year

Net income $13.0M ($0.77 diluted); operating earnings $12.9M ($0.76 diluted) up 48% YoY.
October 24, 2022, 7:59 PM ET earnings materiality 0.75 positive item 2.02 item 7.01 item 9.01

SmartFinancial Q3 2022 operating EPS $0.69 beats prior quarters; net income $11.5M

Operating earnings of $11.6M ($0.69/diluted) up 13% QoQ and 17% YoY.
July 25, 2022, 7:59 PM ET earnings materiality 0.70 positive item 2.02 item 7.01 item 9.01

SmartFinancial Q2 2022 EPS $0.61, 30% annualized loan growth, NIM 3.08%

Net income of $10.2M ($0.61 GAAP EPS); operating earnings of $10.3M ($0.61) vs $9.1M ($0.60) in Q2 2021.
April 25, 2022, 7:59 PM ET earnings materiality 0.65 neutral item 2.02 item 7.01 item 9.01

SmartFinancial Q1 EPS $0.49 GAAP, $0.51 operating; loan growth 21% ann.

Net income $8.3M ($0.49 diluted) vs $9.8M ($0.65) YoY; operating earnings $8.6M ($0.51).

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.

Departed

Gregory L. Davis

Executive Vice President and Chief Lending Officer

SMBK · SMARTFINANCIAL INC.

Effective: 2023-09-29
Filed: September 27, 2023, 7:59 PM ET

On September 21, 2023, Gregory L. Davis, Executive Vice President and Chief Lending Officer of SmartFinancial, Inc. (the “ Company ”) and the Company’s wholly-owned subsidiary, SmartBank, formally tendered his resignation to pursue a career outside of banking, effective September 29, 2023.

Appointed

Cathy G. Ackermann

Director

SMBK · SMARTFINANCIAL INC.

Effective: 2022-02-15
Filed: February 17, 2022, 6:59 PM ET

the Board of Directors appointed Cathy G. Ackermann as a director of SmartFinancial, effective immediately.

Appointed

John Presley

director

SMBK · SMARTFINANCIAL INC.

Effective: 2021-08-26
Filed: September 1, 2021, 7:59 PM ET

the Board of Directors appointed John Presley as a director of SmartFinancial, effective as of the closing of the Merger.

Earnings & guidance

2026-Q1 EPS reported $0.81 filing →

Materiality & sentiment trend

Max materiality 0.80 · Median 0.50 · Most common event earnings

16 positive 2 negative 32 neutral

source · SMBK on sec.gov