SmartFinancial Inc (NYSE:SMBK)
$ 22.65 0.12 (0.53%) Market Cap: 386.33 Mil Enterprise Value: -39.64 Mil PE Ratio: 14.52 PB Ratio: 0.83 GF Score: 69/100
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Q4 2020 SmartFinancial Inc Earnings Call Transcript

Jan 20, 2021 / 03:00PM GMT
Release Date Price: $20.11 (-1.37%)
Operator

Good morning, and welcome to the SmartFinancial Fourth Quarter 2020 Earnings Call. (Operator Instructions)

Please note, this event is being recorded. I would now like to turn the conference over to Miller Welborn. Please go ahead.

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

Thanks, Grant. Good morning, and thanks for joining us this morning for our Q4 2020 earnings call. We always enjoy visiting with this group each quarter to talk about the progress of our bank and our company. Joining me this morning on the call are Billy Carroll, our President and CEO; Ron Gorczynski, our CFO; and Rhett Jordan, our CCO.

Before we get started, I'd like to ask each of you to please refer to Page 2 of our deck that we filed this morning for the normal and customary disclaimers and forward-looking statements comments. Please take a minute to review these.

So 2020 was certainly an interesting and fascinating year. I can say we've learned a ton here at SmartBank and grew tremendously as a team. A few things we've learned during

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