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SMBK 资讯
SMBK 事件
Q3 Revenue at $57.5M, CEO Highlights Continued Organic Growth
Reports Q3 revenue $57.5M, consensus $57.55M. Tangible book value per common share was $28.50 at September 30 vs. $26.85 at December 31, 2025. Q3 net interest margin, FTE, was 3.45% from 3.52% at previous quarter. CEO Billy Carroll stated: "Our Q3 was highlighted by continued organic growth, with $174M in net loan and lease growth and $163M in core deposit growth, representing annualized increases of 15% and 12%, respectively. We achieved another quarterly record in operating revenue at $57.5M and diluted operating EPS totaled $1.10...We remain committed to disciplined pricing, credit quality and expense management as we work to translate continued growth into sustainable returns for our shareholders. I want to thank our associates for their dedication, their commitment to our clients and the work they do every day to advance our company." Chairman Miller Welborn concluded: "Tangible book value per share, an important measure of the value we are creating for shareholders, grew 4% annualized during the quarter, including the effects of accumulated other comprehensive income, and 15% annualized excluding those effects...Building a great company means creating opportunities for our people, delivering for our clients and translating those efforts into lasting shareholder value."
Company Reports Q2 Net Interest Margin of 3.52%
Billy Carroll, President & CEO, stated: "Our second quarter results reflect steady progress in the execution of our strategy. During the quarter, we generated approximately 15% annualized loan growth and expanded our net interest margin to 3.52%, while maintaining excellent asset quality. Diluted earnings per share increased to $0.96, an improvement of $0.15 from the first quarter, and tangible book value per common share grew quarter over quarter by 13% annualized. We also generated positive operating leverage as revenue growth outpaced expense growth during the quarter. Pipelines across the Company remain healthy, and we believe the disruption created by ongoing consolidation and operational challenges at certain competitors continues to create meaningful opportunities to deepen relationships and gain market share. While we recognize there is still work to do, our strong momentum gives us confidence in the long-term trajectory of the Company and our ability to continue creating value for shareholders. I want to thank our associates for their hard work and commitment to our clients, which continue to drive our performance and position the Company for future growth."
SmartFinancial Files $100M Mixed Securities Shelf
SmartFinancial files $100M mixed securities shelf
Company Tangible Book Value per Share at $27.33
Tangible book value per common share was $27.33 at March 31. Reports CET1 ratio 9.77%. Net interest margin, fully tax equivalent basis expanded to 3.48%, reflecting lower deposit and funding costs. Billy Carroll, President & CEO, stated: "As anticipated, 2026 began with strong momentum due to the robust business pipeline established prior to year end and the diligent work of our associates in securing new business. Quarterly net balance loan growth of $155 million while core deposits increased by $95 million, surpassing initial forecasts. Deposit growth was particularly notable, especially after accounting for a projected $68 million seasonal withdrawal from a significant client relationship. Operating earnings per share were solid at $0.81, supported by an expansion of over 10 basis points in net interest margin quarter-over-quarter and disciplined expense management. Additionally, we maintained our quarter-over-quarter earnings per share despite a higher provision associated with a change in our ACL model, which we expect to normalize next quarter. Overall, this represents an excellent start to the year, made possible by the dedicated efforts of our over 580 associates. Thank you all for your continued commitment and positivity!"
SmartFinancial Authorizes $10M Stock Repurchase Plan
The Board authorized a stock repurchase plan, pursuant to which SmartFinancial may purchase, from time to time, up to an aggregate amount of $10M of its shares of common stock. The 2026 Repurchase Plan will become effective on March 1, 2026, and will expire on February 28, 2027, unless extended by the Board. The 2026 Repurchase Plan will replace SmartFinancial's prior stock repurchase plan, which will be terminated when the 2026 Repurchase Plan becomes effective.
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