SmartFinancial posts Q4 2025 earnings update

SmartFinancial, Inc. reported its earnings results for the fourth quarter ended December 31, 2025 and furnished these results through a press release attached as Exhibit 99.1.

Rhea-AI Filing Summary

SmartFinancial, Inc. reported its earnings results for the fourth quarter ended December 31, 2025 and furnished these results through a press release attached as Exhibit 99.1. The company also prepared an investor slide presentation, attached as Exhibit 99.2, to be used in conjunction with its earnings release conference call scheduled for January 21, 2025. The earnings materials and presentation are provided under Items 2.02 and 7.01 of a current report and are designated as furnished rather than filed under the securities laws.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

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.

FAQ

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

What did SmartFinancial (SMBK) announce in this 8-K?

SmartFinancial, Inc. reported its fourth quarter 2025 earnings results and furnished a related press release as Exhibit 99.1, along with an investor slide presentation as Exhibit 99.2.

Which period do the SmartFinancial (SMBK) earnings results cover?

The earnings results described relate to the fourth quarter ending December 31, 2025.

What exhibits are included with SmartFinancial’s Q4 2025 earnings update?

The report includes Exhibit 99.1, a press release announcing fourth quarter 2025 financial results dated January 20, 2026, and Exhibit 99.2, a fourth quarter 2025 investor presentation.

Will the SmartFinancial (SMBK) earnings materials be treated as "filed" with the SEC?

No. The information in Item 2.02 (including Exhibit 99.1) and Item 7.01 (including Exhibit 99.2) is designated as furnished and not filed for purposes of Section 18 of the Exchange Act.

Is there an earnings conference call associated with SmartFinancial’s Q4 2025 results?

Yes. SmartFinancial states that it intends to review the investor slide presentation in conjunction with its earnings release conference call on January 21, 2025.

Who signed the SmartFinancial (SMBK) current report on the earnings release?

The report was signed on behalf of SmartFinancial, Inc. by William Y. Carroll, Jr., its President and Chief Executive Officer.

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

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Accepted by SEC EDGAR 01/20/2026 - 05:05 PM Learn about SEC filing dates

0001038773false00010387732026-01-202026-01-20

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

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FORM 8-K

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CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

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Date of earliest event reported: January 20, 2026

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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	​ ​ ​ ​
Knoxville, Tennessee		37919
(Address of Principal Executive Offices)		(Zip Code)

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(865) 437-5700 

(Registrant’s telephone number, including area code)

(Former name or former address, if changed since last report)

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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:

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☐  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))

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

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Title of each class	​	​ ​	Trading Symbol(s)	​	​ ​	Name of Exchange on which Registered
Common Stock, par value $1.00 per share	​		SMBK	​		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).

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Emerging growth company ☐

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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 2.02   ​ ​ ​ Results of Operations and Financial Condition.

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On January 20, 2026, SmartFinancial, Inc. (“SmartFinancial”) issued a press release (the “Press Release”) reporting earnings results for its fourth quarter ending December 31, 2025. A copy of the Press Release is attached hereto as Exhibit 99.1.

In accordance with General Instructions B.2 of Form 8K, the information in Item 2.02 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 7.01   ​ ​ ​ Regulation FD Disclosure.

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SmartFinancial is filing an investor slide presentation that it intends to review in conjunction with its earnings release conference call on January 21, 2025. The slides are attached hereto as Exhibit 99.2.

In accordance with General Instructions B.2 of Form 8K, the information in Item 7.01 of this report (including Exhibit 99.2) shall not be deemed to be “filed” for purposes of Section 18 of 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.

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Item 9.01	​	Financial Statements and Exhibits
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Exhibit No.	​ ​ ​	Description
99.1	​	Press release announcing fourth quarter 2025 financial results dated January 20, 2026
99.2	​	Fourth quarter 2025 investor presentation
104	​	Cover Page Interactive Data File (embedded within the Inline XBRL document)

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SIGNATURES

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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 20, 2026

/s/ William Y. Carroll, Jr.

William Y. Carroll, Jr.

President & Chief Executive Officer

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