SmartFinancial Inc (NYSE:SMBK)
$ 22.65 0.12 (0.53%) Market Cap: 386.47 Mil Enterprise Value: -39.64 Mil PE Ratio: 14.52 PB Ratio: 0.83 GF Score: 69/100

Q4 2019 SmartFinancial Inc Earnings Call Transcript

Jan 22, 2020 / 03:00PM GMT
Release Date Price: $22.76 (-0.31%)
Operator

Good morning and welcome to the SmartFinancial Fourth Quarter 2019 Earnings Conference Call. (Operator Instructions) Please note, this event is being recorded.

I would now like to turn the conference over to Miller Welborn, Chairman of the Board. Please go ahead.

Wesley Miller Welborn
SmartFinancial, Inc. - Chairman of the Board

Thanks, Aly. Good morning, and thanks for joining our Q4 call this morning. Before I get started, I'd like you to please refer to Page 2 of the deck with our legal statement and forward-looking disclaimer. With me this morning is Billy Carroll, our CEO; Ron Gorczynski, our CFO; Cynthia Cain, our Senior Vice President of Financial Planning; and Frank Hughes with Investor Relations.

As you know, we reported out our Q4 '19 earnings at the close of business yesterday, and we're excited to chat about those numbers this morning. A couple of highlights from Q4. Strong income at $6.7 million. Really strong EPS, we feel, with $0.48 GAAP earnings and $0.46 operating earnings versus a consensus of about $0.40. Strong quarterly

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