For the quarter ended June 2025, SmarFinancial (SMBK) reported revenue of $49.24 million, up 21.8% over the same period last year. EPS came in at $0.69, compared to $0.46 in the year-ago quarter.
The reported revenue represents a surprise of +1.09% over the Zacks Consensus Estimate of $48.71 million. With the consensus EPS estimate being $0.66, the EPS surprise was +4.55%.
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: 66.1% versus the three-analyst average estimate of 67%.
- Net Interest Margin: 3.3% versus 3.3% estimated by three analysts on average.
- Net charge-offs to average loans: 0% versus the two-analyst average estimate of 0.1%.
- Average Balance - Total interest earning assets: $4.96 billion versus $4.96 billion estimated by two analysts on average.
- Mortgage banking: $0.63 million versus $0.65 million estimated by three analysts on average.
- Total noninterest income: $8.9 million compared to the $8.61 million average estimate based on three analysts.
- Interchange and debit card transaction fees: $1.34 million versus the two-analyst average estimate of $1.32 million.
- Service charges on deposit accounts: $1.77 million versus $1.79 million estimated by two analysts on average.
- Other noninterest income: $2.17 million versus the two-analyst average estimate of $1.85 million.
- Investment services: $1.44 million versus the two-analyst average estimate of $1.55 million.
- Insurance commissions: $1.55 million compared to the $1.33 million average estimate based on two analysts.
- Net interest income (FTE): $40.69 million versus the two-analyst average estimate of $40.19 million.
View all Key Company Metrics for SmarFinancial here>>>
Shares of SmarFinancial have returned +14.7% over the past month versus the Zacks S&P 500 composite's +5.4% 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.
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
SmartFinancial, Inc. (SMBK): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
Zacks Investment Research
