SmarFinancial (SMBK) reported $46.84 million in revenue for the quarter ended March 2025, representing a year-over-year increase of 16.8%. EPS of $0.67 for the same period compares to $0.49 a year ago.
The reported revenue represents a surprise of +1.84% over the Zacks Consensus Estimate of $45.99 million. With the consensus EPS estimate being $0.55, the EPS surprise was +21.82%.
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: 69% versus 70.3% estimated by three analysts on average.
- Net Interest Margin: 3.2% versus 3.2% 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: $4.87 billion versus $4.81 billion estimated by two analysts on average.
- Total noninterest income: $8.60 million versus $7.90 million estimated by three analysts on average.
- Mortgage banking: $0.49 million versus $0.38 million estimated by three analysts on average.
- Net interest income (FTE): $38.58 million compared to the $38.21 million average estimate based on two analysts.
- Interchange and debit card transaction fees: $1.22 million versus the two-analyst average estimate of $1.38 million.
- Service charges on deposit accounts: $1.74 million compared to the $1.69 million average estimate based on two analysts.
- Investment services: $1.77 million versus $1.52 million estimated by two analysts on average.
- Other noninterest income: $1.97 million versus the two-analyst average estimate of $1.38 million.
- Insurance commissions: $1.41 million versus $1.42 million estimated by two analysts on average.
View all Key Company Metrics for SmarFinancial here>>>
Shares of SmarFinancial have returned -7% over the past month versus the Zacks S&P 500 composite's -5.6% 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.
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SmartFinancial, Inc. (SMBK): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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