SmartFinancial (SMBK) Q3 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure
Key numbers
- Adjusted EPS
- $1.10
- Estimate
- $0.96
- Surprise
- +14.6%
- Score at report (before → after)
- 6.0 → 6.2/10
Revenue for this quarter isn’t shown: the reported figure hasn’t cleared TrendMatrix’s freshness and sanity checks yet, and consensus revenue isn’t tracked. EPS above is the available figure.
How the report landed
SmartFinancial (SMBK) beat the $0.96 estimate with adjusted EPS of $1.10 — a large 14.6% upside surprise. TrendMatrix's engine moved from Buy (Wait) (6.0/10) to Hold at 6.2/10 after the report.
Where TrendMatrix's rating stands now
TrendMatrix currently rates SMBK Hold at 6.2/10.
4 of the last 4 quarters beat the estimate; this quarter's +14.6% surprise compares with a +7.1% four-quarter average.
What supports the rating
- Sector modifier (Financial Services): +1.0
- Strong earnings beat streak (4/4)
What argues against it
- Concentration risk — Loan Portfolio: net loan and lease portfolio (74.0%)
- Analyst target reached - limited upside remaining
- Target reached (-8.9% upside)
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $50.51
- Stop
- $48.33
The stock trades at 14.9× trailing but 12.1× forward earnings — consensus estimates already build in a substantial earnings recovery.
Model outputs from TrendMatrix’s engine as of 2026-10-20 — shown for context, not personalized investment advice.
SMBK at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Banks - Regional
- Market cap
- $863.6M
- P/E (fwd)
- 12.1
- P/E (ttm)
- 14.9
- 52-week range
- $34.23–$54.14
- Off 52-week high
- 6.7%
- RSI (14)
- 58
- Volume vs avg
- 0.85×
- Score today
- 6.2/10