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Compared to Estimates, SmarFinancial (SMBK) Q1 Earnings: A Look at Key Metrics
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SmarFinancial (SMBK - Free Report) reported $53.82 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 14.9%. EPS of $0.81 for the same period compares to $0.67 a year ago.
The reported revenue represents a surprise of +0.31% over the Zacks Consensus Estimate of $53.65 million. With the consensus EPS estimate being $0.81, the EPS surprise was -0.41%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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: 61.2% versus the three-analyst average estimate of 62.8%.
Net Interest Margin: 3.5% compared to the 3.4% average estimate based on three analysts.
Net charge-offs to average loans: 0% versus the two-analyst average estimate of 0.1%.
Average Balance - Total interest earning assets: $5.39 billion compared to the $5.45 billion average estimate based on two analysts.
Total noninterest income: $7.94 million versus the three-analyst average estimate of $7.58 million.
Mortgage banking: $0.76 million versus the three-analyst average estimate of $0.56 million.
Net interest income (FTE): $46.24 million versus the three-analyst average estimate of $46.11 million.
Investment services: $1.8 million versus the two-analyst average estimate of $1.75 million.
Interchange and debit card transaction fees: $1.42 million compared to the $1.39 million average estimate based on two analysts.
Other noninterest income: $2.11 million compared to the $2 million average estimate based on two analysts.
Service charges on deposit accounts: $1.85 million versus $1.76 million estimated by two analysts on average.
Shares of SmarFinancial have returned +13.9% over the past month versus the Zacks S&P 500 composite's +6.4% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
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Compared to Estimates, SmarFinancial (SMBK) Q1 Earnings: A Look at Key Metrics
SmarFinancial (SMBK - Free Report) reported $53.82 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 14.9%. EPS of $0.81 for the same period compares to $0.67 a year ago.
The reported revenue represents a surprise of +0.31% over the Zacks Consensus Estimate of $53.65 million. With the consensus EPS estimate being $0.81, the EPS surprise was -0.41%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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:View all Key Company Metrics for SmarFinancial here>>>
Shares of SmarFinancial have returned +13.9% over the past month versus the Zacks S&P 500 composite's +6.4% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.