For the quarter ended September 2026, SmarFinancial (SMBK Quick QuoteSMBK - Free Report) reported revenue of $57.53 million, up 12.7% over the same period last year. EPS came in at $1.10, compared to $0.86 in the year-ago quarter.

The reported revenue represents a surprise of +0.13% over the Zacks Consensus Estimate of $57.46 million. With the consensus EPS estimate being $0.96, the EPS surprise was +14.58%.

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.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

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: 63.2% compared to the 60.3% average estimate based on four analysts.
• Net Interest Margin (FTE): 3.5% versus 3.5% estimated by four analysts on average.
• Net charge-offs to average loans: 0.1% compared to the 0.1% average estimate based on three analysts.
• Average Balance - Total interest earning assets: $5.71 billion versus $5.66 billion estimated by two analysts on average.
• Total Nonperforming Assets: $15.67 million versus $14.7 million estimated by two analysts on average.
• Total noninterest income: $8.13 million versus $8.05 million estimated by four analysts on average.
• Other noninterest income: $1.61 million compared to the $1.77 million average estimate based on three analysts.
• Net interest income (FTE): $49.71 million versus the three-analyst average estimate of $49.59 million.
• Mortgage banking: $1.03 million compared to the $0.87 million average estimate based on three analysts.
• Interchange and debit card transaction fees: $1.75 million versus the three-analyst average estimate of $1.66 million.
• Service charges on deposit accounts: $2 million versus the three-analyst average estimate of $1.91 million.
• Investment services: $1.75 million compared to the $1.84 million average estimate based on three analysts.

View all Key Company Metrics for SmarFinancial here>>>

Shares of SmarFinancial have returned -1.6% over the past month versus the Zacks S&P 500 composite's +1.5% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.