SmarFinancial (SMBK) Earnings Expected to Grow: Should You Buy?

Core Viewpoint - SmarFinancial (SMBK) is expected to report a year-over-year increase in earnings and revenues for the quarter ended September 2025, with the actual results being crucial for its near-term stock price movement [1][2]. Earnings Expectations - The upcoming earnings report is anticipated to show quarterly earnings of $0.73 per share, reflecting a year-over-year increase of +35.2%, and revenues of $51.04 million, which is up 15.6% from the previous year [3]. - The earnings report is scheduled for release on October 21, and better-than-expected results could lead to a stock price increase, while disappointing results may cause a decline [2]. Estimate Revisions - The consensus EPS estimate has been revised down by 1.28% over the last 30 days, indicating a reassessment by analysts regarding the company's earnings prospects [4]. - SmarFinancial's Most Accurate Estimate is lower than the Zacks Consensus Estimate, resulting in an Earnings ESP of -3.67%, which suggests a bearish outlook from analysts [12]. Earnings Surprise History - In the last reported quarter, SmarFinancial exceeded the expected earnings of $0.66 per share by delivering $0.69, resulting in a surprise of +4.55% [13]. - The company has beaten consensus EPS estimates in each of the last four quarters [14]. Industry Comparison - Bank OZK (OZK), another player in the Zacks Banks - Northeast industry, is expected to report earnings of $1.67 per share, indicating a year-over-year change of +7.7%, with revenues projected at $444.07 million, up 5% from the previous year [18]. - Bank OZK's consensus EPS estimate has been revised up by 0.2% over the last 30 days, but it currently has an Earnings ESP of -1.2%, making it difficult to predict a beat on the consensus EPS estimate [19][20].