SmarFinancial (SMBK) reported $46.84 million in income for the quarter ended March 2025, representing a year-over-year enhance of 16.8%. EPS of $0.67 for a similar interval compares to $0.49 a 12 months in the past.
The reported income represents a shock of +1.84% over the Zacks Consensus Estimate of $45.99 million. With the consensus EPS estimate being $0.55, the EPS shock was +21.82%.
Whereas traders scrutinize income and earnings modifications year-over-year and the way they examine with Wall Road expectations to find out their subsequent transfer, some key metrics at all times provide a extra correct image of an organization’s monetary well being.
As these metrics affect top- and bottom-line efficiency, evaluating them to the year-ago numbers and what analysts estimated helps traders undertaking a inventory’s worth efficiency extra precisely.
Right here is how SmarFinancial carried out within the simply reported quarter when it comes to the metrics most generally monitored and projected by Wall Road analysts:
- Effectivity Ratio: 69% versus 70.3% estimated by three analysts on common.
- Internet Curiosity Margin: 3.2% versus 3.2% estimated by three analysts on common.
- Internet charge-offs to common loans: 0% versus the two-analyst common estimate of 0.1%.
- Common Stability – Complete curiosity incomes property: $4.87 billion versus $4.81 billion estimated by two analysts on common.
- Complete noninterest earnings: $8.60 million versus $7.90 million estimated by three analysts on common.
- Mortgage banking: $0.49 million versus $0.38 million estimated by three analysts on common.
- Internet curiosity earnings (FTE): $38.58 million in comparison with the $38.21 million common estimate based mostly on two analysts.
- Interchange and debit card transaction charges: $1.22 million versus the two-analyst common estimate of $1.38 million.
- Service expenses on deposit accounts: $1.74 million in comparison with the $1.69 million common estimate based mostly on two analysts.
- Funding companies: $1.77 million versus $1.52 million estimated by two analysts on common.
- Different noninterest earnings: $1.97 million versus the two-analyst common estimate of $1.38 million.
- Insurance coverage commissions: $1.41 million versus $1.42 million estimated by two analysts on common.
View all Key Company Metrics for SmarFinancial here>>>
Shares of SmarFinancial have returned -7% over the previous month versus the Zacks S&P 500 composite’s -5.6% change. The inventory at the moment has a Zacks Rank #3 (Maintain), indicating that it may carry out in keeping with the broader market within the close to time period.
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This article originally published on Zacks Investment Research (zacks.com).
The views and opinions expressed herein are the views and opinions of the writer and don’t essentially replicate these of Nasdaq, Inc.
