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 · Editorial policy
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 5.9/10.
4 of the last 4 quarters beat the estimate; this quarter's +14.6% surprise compares with a +7.1% four-quarter average. Next scheduled report: 2027-01-19.
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
- V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4)
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
- $48.54
- Stop
- $46.07
At 13.2× trailing and 11.7× forward earnings, consensus estimates imply little change in earnings power.
Model outputs from TrendMatrix’s engine as of 2026-10-29 — 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
- $830.0M
- P/E (fwd)
- 11.7
- P/E (ttm)
- 13.2
- 52-week range
- $34.23–$54.14
- Off 52-week high
- 10.3%
- RSI (14)
- 39
- Volume vs avg
- 1.10×
- Score today
- 5.9/10