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SmarFinancial (SMBK) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates

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For the quarter ended September 2025, SmarFinancial (SMBK - Free Report) reported revenue of $51.07 million, up 15.6% over the same period last year. EPS came in at $0.86, compared to $0.54 in the year-ago quarter.

The reported revenue represents a surprise of +0.05% over the Zacks Consensus Estimate of $51.04 million. With the consensus EPS estimate being $0.73, the EPS surprise was +17.81%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how SmarFinancial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Efficiency Ratio: 66.3% compared to the 65.9% average estimate based on three analysts.
  • Net Interest Margin: 3.3% versus the three-analyst average estimate of 3.3%.
  • Net charge-offs to average loans: 0.1% versus 0.1% estimated by two analysts on average.
  • Average Balance - Total interest earning assets: $5.23 billion versus the two-analyst average estimate of $5.07 billion.
  • Total noninterest income: $8.64 million versus $9.01 million estimated by three analysts on average.
  • Mortgage banking: $0.71 million versus $0.69 million estimated by three analysts on average.
  • Net interest income (FTE): $42.79 million versus the two-analyst average estimate of $42.03 million.
  • Interchange and debit card transaction fees: $1.34 million versus $1.37 million estimated by two analysts on average.
  • Service charges on deposit accounts: $1.83 million compared to the $1.8 million average estimate based on two analysts.
  • Investment services: $1.69 million compared to the $1.53 million average estimate based on two analysts.
  • Other noninterest income: $1.78 million versus the two-analyst average estimate of $1.93 million.
  • Insurance commissions: $1.05 million compared to the $1.59 million average estimate based on two analysts.

View all Key Company Metrics for SmarFinancial here>>>

Shares of SmarFinancial have returned -5.1% over the past month versus the Zacks S&P 500 composite's +1.2% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.

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