SMBK

SmarFinancial reported Q3 2026 revenue of $57.53 million, up 12.7% year-over-year, with EPS of $1.10 versus $0.86 in the prior year quarter. The company beat both revenue and EPS consensus estimates.

However, the efficiency ratio deteriorated to 63.2% from the estimated 60.3%, and nonperforming assets exceeded expectations. The stock has underperformed the broader market over the past month and carries a Zacks Rank #3 (Hold) rating.

SmarFinancial is expected to report Q3 2026 earnings of $0.96 per share (up 11.6% YoY) and revenues of $57.46 million (up 12.5% YoY) on October 19. However, the stock carries a negative Earnings ESP of -2.09% with a Zacks Rank #3, making it difficult to predict an earnings beat. The company has beaten consensus estimates in 3 of the last 4 quarters.