SmartFinancial declares $0.09 quarterly dividend

The quarterly cash dividend is payable December 1, 2026.

Rhea-AI Filing Summary

SmartFinancial, Inc. declared a quarterly cash dividend of $0.09 per share of common stock, with shareholders of record at the close of business on November 16, 2026 eligible for the distribution.

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, or exhibit attachments filed with this report.

Key Figures

Quarterly cash dividend per share: $0.09 per share Shareholder record date: November 16, 2026 Dividend payment date: December 1, 2026

3 metrics

Quarterly cash dividend per share $0.09 per share SmartFinancial common stock

Shareholder record date November 16, 2026 At the close of business

Dividend payment date December 1, 2026 Quarterly cash dividend

Key Terms

quarterly cash dividend, shareholders of record, forward-looking statements

3 terms

quarterly cash dividend financial

"declared a quarterly cash dividend of $0.09 per share"

A quarterly cash dividend is a payment made by a company to its shareholders four times a year, usually based on its profits. It is like a regular bonus or reward for owning the company's stock, providing shareholders with income. Many investors see these payments as a sign of the company's stability and its ability to generate consistent profits.

shareholders of record financial

"to shareholders of record as of the close of business"

Shareholders of record are the people officially listed as owners of a company's stock on a specific date. This matters because only these shareholders are entitled to receive dividends or vote at company meetings. It's like being on the official guest list for a party—you get to enjoy the perks and have a say.

forward-looking statements regulatory

"This news release may contain statements that are based on management’s current estimates"

Forward-looking statements are predictions or plans that companies share about what they expect to happen in the future, like estimating sales or profits. They matter because they help investors understand a company's outlook, but since they are based on guesses and assumptions, they can sometimes be wrong.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How much is SMBK’s quarterly dividend, and when is it payable?

SMBK declared a quarterly cash dividend of $0.09 per share, payable December 1, 2026. Shareholders of record at the close of business on November 16, 2026 are entitled to the payment.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 10/30/2026 - 05:00 PM EDT Accepted by SEC EDGAR 10/30/2026 - 05:00 PM EDT Learn about SEC filing dates

0001038773false00010387732026-10-302026-10-30

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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): October 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 October 30, 2026, SmartFinancial, Inc. (“SmartFinancial”) issued a press release announcing that, on October 30, 2026, the board of directors of SmartFinancial (the “Board”) declared a quarterly cash dividend of $0.09 per share of SmartFinancial common stock (the “Dividend”) payable on December 1, 2026, to shareholders of record as of the close of business on November 16, 2026.  

A copy of the press release announcing the dividend 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 October 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: October 30, 2026
	By:	/s/ William Y. Carroll, Jr.
	Name:	William Y. Carroll, Jr.
	Title:	President & Chief Executive Officer

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Exhibit 99.1

SMARTFINANCIAL APPROVES REGULAR

QUARTERLY CASH DIVIDEND

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KNOXVILLE, Tenn., October 30, 2026 – SmartFinancial, Inc. (“SmartFinancial”) (NYSE: SMBK), the parent company for SmartBank, announced that on October 30, 2026, the board of directors of SmartFinancial declared a quarterly cash dividend of $0.09 per share of SmartFinancial common stock payable on December 1, 2026, to shareholders of record as of the close of business on November 16, 2026.  

About SmartFinancial, Inc.

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SmartFinancial, Inc., based in Knoxville, Tennessee, is the publicly-traded bank holding company for SmartBank. SmartBank is a full-service commercial bank founded in 2007 with branches across Tennessee, Alabama, Florida and Georgia. Recruiting the best people, delivering exceptional client service, strategic branching, and a disciplined approach to lending have all contributed to the company’s success. More information about SmartFinancial can be found on its website: www.smartfinancialinc.com.

Forward-Looking Statements

This news release may contain statements that are based on management’s current estimates or expectations of future events or future results, and that may be deemed to constitute forward-looking statements as defined under the Private Securities Litigation Reform Act of 1995.  These statements are not historical in nature and can generally be identified by such words as “expect,” “anticipate,” “intend,” “plan,” “believe,” “seek,” “may,” “will,” “estimate,” and similar expressions. All forward-looking statements are subject to risks, uncertainties, and other factors that may cause the actual results of SmartFinancial to differ materially from future results expressed or implied by such forward-looking statements. These factors can be found in SmartFinancial’s most recent annual report on Form 10-K, quarterly reports on Form 10-Q, and current reports on Form 8-K, in each case filed with or furnished to the Securities and Exchange Commission (the “SEC”) and available on the SEC’s website (www.sec.gov). Undue reliance should not be placed on forward-looking statements.  SmartFinancial disclaims any obligation to update or revise any forward-looking statements contained in this release, which speak only as of the date hereof, whether as a result of new information, future events, or otherwise.

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Investor Contacts	​
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Billy Carroll	Nathan Strall
President & Chief Executive Officer	VP and Director of Strategy & Corporate Development
Email: billy.carroll@smartbank.com	Email: nathan.strall@smartbank.com
Phone: (865) 868-0613	Phone: (865) 868-2604
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Filing Exhibits & Attachments

4 documents

Press Releases

• EX-99.1 EX-99.1 12.6 KB

Other Documents

• EX-101 EX-101.SCH 2.6 KB
• EX-101 EX-101.LAB 15.6 KB
• EX-101 EX-101.PRE 9.8 KB