SmartFinancial, Inc. (NYSE:SMBK) Q4 2024 Earnings Conference Call January 22, 2025 10:00 PM ET
Company Participants
Nathan Strall – Director of Strategy
Billy Carroll – President and CEO
Ronald Gorczynski – CFO
Rhett Jordan – EVP, Chief Credit Officer
Miller Welborn – Chairman
Conference Call Participants
Will Jones – KBW
Nick Lorenzoni – Stephens
Steve Moss – Raymond James
Stephen Scouten – Piper Sandler
Christopher Marinac – Janney Montgomery Scott
Operator
Hello everyone, and welcome to the SmartFinancial Fourth Quarter 2024 Earnings Release and Conference Call. My name is Ezra and I will be your coordinator today. [Operator Instructions]
I will now hand you over to Nate Strall, Director of Investor Relations to begin. Please go ahead.
Nathan Strall
Good morning, everyone and thank you for joining us for SmartFinancial’s fourth quarter 2024 earnings conference call. During today’s call, we will reference the slides and press release that are available in our Investor Relations section on our website, smartbank.com. Billy Carroll, our President and Chief Executive Officer, will begin our call, followed by Ron Gorczynski, our Chief Financial Officer, who will provide some additional commentary. We will be able to answer your questions at the end of the call. Our comments include forward-looking statements. These statements are subject to risks and uncertainties and the actual results could vary materially.
We list these factors that might cause results to differ materially in our press release and in our SEC filings, which are available on our website. We do not assume any obligation to update any forward-looking statements because of new information, early development, or otherwise, except as may be required by law. During the call we will reference non-GAAP financial measures related to the company’s performance. You may see the reconciliation of these measures in the appendices of the Earnings Release and Investors presentation filed on January 21st, 2025
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