SmartFinancial Inc Dossier
Outlook & Key Dates
Estimates, guidance, catalysts, and upcoming events
Analyst Estimates Learn more →
Analyst Coverage
6analysts covering
FY EPS (est.)
$3.74next fiscal year
Reporting Calendar
| Event | Expected Date |
|---|---|
| Q3 2026 Earnings Release | 26 Oct 2026 |
| Q4 2026 Earnings Release | 25 Jan 2027 |
Monitoring Framework
Key Performance Indicators
Net Interest Margin (FTE) Quarterly348.0%Target: Modest expansion in the back half of 2026
Operating Efficiency Ratio Quarterly6,075.0%Target: Push toward ~60% by year-end 2026
Tangible Common Equity (TCE) Ratio Quarterly804.0%Target: Maintain strong capital position well above regulatory standards
Nonperforming Assets to Total Assets Quarterly0.3Target: Maintain robust asset quality within historical ranges
Watch Items
- Deposit Cost TrajectoryTrigger: Funding costs rising above 2.72% for interest-bearing liabilitiesAction: Re-evaluate deposit pricing strategy and CD vs. money market mix.
- Loan Portfolio RepricingTrigger: Repricing renewal yields falling below 6.4%Action: Review loan underwriting standards and competitive pricing in core Southeastern markets.
Research as of 19 Jun 2026