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Smartfinancial (SMBK) guidance and outlook
Smartfinancial's 10-Q filed Nov 9, 2026 makes 5 forward-looking statements.
Guidance and outlook
Forward-looking statements, 10-Q filed Nov 9, 2026
- We maintain the allowance at a level that we deem appropriate to adequately cover the expected credit losses in the loan and lease portfolio.
- These accounts generally earn interest at rates the Company establishes based on market factors and the anticipated amount and timing of funding needs.
- For changes up or down in rates from our static interest rate forecast over the next 12 months, estimated changes in the decline in net interest income are as follows:
- We currently price deposits in response to market rates and intend to continue this policy.
- With these sources of funds, the Company currently anticipates adequate liquidity to meet the expected obligations of its customers.
Smartfinancial's latest quarter
Smartfinancial, Q3 2026: revenue $57.5M (+13% year over year), operating margin 35.6%, net earnings $18.6M, operating cash flow −$11.0M. The chart follows the revenue to costs, profit and cash.
Questions
What does Smartfinancial expect?
We maintain the allowance at a level that we deem appropriate to adequately cover the expected credit losses in the loan and lease portfolio. These accounts generally earn interest at rates the Company establishes based on market factors and the anticipated amount and timing of funding needs. For changes up or down in rates from our static interest rate forecast over the next 12 months, estimated changes in the decline in net interest income are as follows:
Updated Nov 10, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.