[8-K] SMARTFINANCIAL INC. Reports Material Event

Rhea-AI Filing Summary

SmartFinancial, Inc. announced shareholder return actions approved by its board of directors. The board declared a quarterly cash dividend of $0.08 per share of common stock, payable on March 2, 2026 to shareholders of record as of the close of business on February 13, 2026. The company also authorized a new share repurchase program allowing it to buy back up to $10 million of its common stock. This 2026 repurchase program will be effective from March 1, 2026 through February 28, 2027, unless extended by the board.

Insights

Banking equity analyst

SmartFinancial adds a cash dividend and a time-limited $10M buyback.

SmartFinancial, Inc. declared a quarterly dividend of $0.08 per share, with a record date of February 13, 2026 and payment on March 2, 2026. This introduces or continues direct cash returns to shareholders through regular distributions.

The board also approved a 2026 share repurchase program authorizing up to $10 million of common stock repurchases between March 1, 2026 and February 28, 2027, unless extended. Actual repurchase activity will depend on market conditions and management decisions within this authorization window.

8-K Event Classification

2 items: 7.01, 9.01

2 items

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 30, 2026

SMARTFINANCIAL, INC.

(Exact name of registrant as specified in its charter)

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Tennessee	​ ​ ​	001-37661	​ ​ ​	62-1173944
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification No.)

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5401 Kingston Pike, Suite 600		37919
Knoxville, Tennessee	​	(Zip Code)
(Address of principal executive offices)

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​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​	(865) 437-5700	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
​	(Registrant’s telephone number, including area code)	​

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act.:

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Title of each class	​	Trading Symbol(s)	​	Name of each exchange on which registered
Common Stock, $1.00 par value	​	SMBK	​	The New York Stock Exchange

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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Item 7.01  Regulation FD Disclosure.

On January 30, 2026, SmartFinancial, Inc. (“SmartFinancial”) issued a press release announcing that, on January 29, 2026, the board of directors of SmartFinancial (the “Board”) declared a quarterly cash dividend of $0.08 per share of SmartFinancial common stock (the “Dividend”) payable on March 2, 2026, to shareholders of record as of the close of business on February 13, 2026.  

In addition, SmartFinancial announced that the Board authorized a new share repurchase program, pursuant to which SmartFinancial may purchase, from time to time, up to an aggregate amount of $10 million of its shares of common stock (the “2026 Repurchase Program”). The 2026 Repurchase Program will become effective on March 1, 2026, and will expire on February 28, 2027, unless extended by the Board.

A copy of the press release announcing the dividend and the 2026 Repurchase Program is attached as Exhibit 99.1 hereto and incorporated herein by reference.

In accordance with General Instructions B.2 of Form 8K, the information in Item 7.01 of this report (including Exhibit 99.1) shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits

(d) EXHIBITS

99.1Press Release issued by SmartFinancial, Inc., dated January 30, 2026

104Cover Page Interactive Data File (embedded within the inline XBRL document)

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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	SMARTFINANCIAL, INC.
Date: January 30, 2026
	By:	/s/ William Y. Carroll, Jr.
	Name:	William Y. Carroll, Jr.
	Title:	President & Chief Executive Officer

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