# Smartfinancial (SMBK) — Earnings

SMBK · NYSE · Stock

Canonical page: https://www.lighthorse.io/tickers/smbk/earnings

## Most recent quarter

| Metric | Value |
| --- | --- |
| Fiscal period | Q2 2026 |
| Period end | Jun 30, 2026 |
| EPS actual | $0.96 |
| EPS estimate | $0.90 |
| EPS surprise | +6.47% |
| Revenue surprise | +0.37% |
| Revenue | $56.0M |
| Revenue estimate | $55.7M |
| Reported | Jul 20, 2026 |
| SEC filing | [View filing](https://www.sec.gov:443/Archives/edgar/data/1038773/000110465926093447/smbk-20260630x10q.htm) |
| Earnings call | [Transcript](http://o.thsi.cn/dc-d-stock-america.teleconference/ac036ce2-eb42-2074-3146-39826102fdee.html) |

SmartFinancial reported Q2 2026 results on July 20, 2026. EPS was $0.96, ahead of the $0.90 estimate by 6.47%. Revenue was $56.0 million, just above the $55.7 million consensus. Compared with Q2 2025, EPS rose about 39% from $0.69 and revenue rose about 14% from $49.2 million. Both are the highest quarterly figures in the table.

Earnings have climbed since a soft patch in 2023. Annual EPS fell from $2.57 in 2022 to $2.04 in 2023, held at $2.06 in 2024, then rose about 47% to $3.03 in 2025. The first half of 2026 adds up to $1.77, about 30% above the $1.36 of the first half of 2025. The low in the table was $0.41 in Q4 2023. Revenue has not declined in any quarter since Q3 2023, rising from $38.5 million to $56.0 million. Over the last 20 quarters SmartFinancial beat the EPS estimate 15 times, including every quarter since Q1 2024.

SmartFinancial has reported third-quarter results between October 19 and October 24 in each of the past five years. That points to late October 2026 for the next report, which will show whether the year-over-year growth of recent quarters continues.

## Earnings history

| Fiscal period | Report date | EPS estimate | EPS actual | Surprise | Revenue estimate | Revenue actual |
| --- | --- | --- | --- | --- | --- | --- |
| Q2 2026 | Jul 20, 2026 | $0.90 | $0.96 | 6.47% | $55.7M | $56.0M |
| Q1 2026 | Apr 20, 2026 | $0.78 | $0.81 | 3.85% | $53.2M | $53.8M |
| Q4 2025 | Jan 20, 2026 | $0.78 | $0.81 | 3.41% | $51.4M | $53.3M |
| Q3 2025 | Oct 21, 2025 | $0.72 | $0.86 | 19.28% | $51.1M | $51.1M |
| Q2 2025 | Jul 21, 2025 | $0.64 | $0.69 | 7.53% | $48.5M | $49.2M |
| Q1 2025 | Apr 21, 2025 | $0.55 | $0.67 | 22.55% | $46.2M | $46.8M |
| Q4 2024 | Jan 21, 2025 | $0.51 | $0.57 | 12.74% | $44.4M | $46.8M |
| Q3 2024 | Oct 21, 2024 | $0.46 | $0.54 | 17.06% | $42.2M | $44.2M |
| Q2 2024 | Jul 22, 2024 | $0.39 | $0.46 | 16.81% | $40.1M | $40.4M |
| Q1 2024 | Apr 22, 2024 | $0.41 | $0.49 | 19.51% | $39.1M | $40.1M |
| Q4 2023 | Jan 22, 2024 | $0.41 | $0.41 | -0.80% | $39.1M | $39.1M |
| Q3 2023 | Oct 23, 2023 | $0.47 | $0.43 | -7.94% | $38.9M | $38.5M |
| Q2 2023 | Jul 24, 2023 | $0.53 | $0.52 | -2.42% | $41.1M | $38.7M |
| Q1 2023 | Apr 24, 2023 | $0.60 | $0.68 | 12.79% | $42.8M | $42.9M |
| Q4 2022 | Jan 23, 2023 | $0.74 | $0.76 | 2.47% | $44.9M | $44.7M |
| Q3 2022 | Oct 24, 2022 | $0.73 | $0.69 | -5.26% | $44.1M | $43.0M |
| Q2 2022 | Jul 25, 2022 | $0.63 | $0.61 | -2.66% | $40.9M | $40.3M |
| Q1 2022 | Apr 25, 2022 | $0.51 | $0.51 | 0.85% | $37.3M | $37.2M |
| Q4 2021 | Jan 24, 2022 | $0.50 | $0.52 | 4.29% | $36.9M | $36.7M |
| Q3 2021 | Oct 19, 2021 | $0.51 | $0.63 | 23.53% | $33.8M | $36.7M |

## Frequently Asked Questions

### When did Smartfinancial (SMBK) last report earnings?

Smartfinancial last reported on Jul 20, 2026, covering fiscal Q2 2026.

### Did SMBK beat earnings estimates?

Yes. Smartfinancial reported EPS of $0.96 for Q2 2026 against a $0.90 estimate — a 6.47% beat.

### How much revenue did SMBK report last quarter?

Smartfinancial reported $56.0M in revenue for Q2 2026, against a consensus estimate of $55.7M.

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Earnings figures may be restated, revised or corrected by the issuer. Past results do not indicate future performance.

This page is for informational purposes only. Nothing on it is a recommendation, solicitation or offer to buy or sell any security, nor investment, legal or tax advice. Light Horse Securities Inc does not verify third-party data and is not responsible for its accuracy, completeness or timeliness.

Data provided by [AInvest](https://www.ainvest.com).