SmartFinancial (SMBK) Q3 FY26 earnings call

SmartFinancial delivered another strong quarter in Q3 FY26, achieving record operating revenue and robust organic growth across both loans and deposits. The company continues to strengthen its return metrics and tangible book value per share, driven by its disciplined relationship-based strategy and strategic investments in talent and infrastructure. While facing modest margin pressure from funding costs and elevated expenses due to one-time items, management remains focused on positive operating leverage and achieving its EPS run-rate target, with pipelines remaining solid despite potential f