SmartFinancial Inc. (SMBK) director adds 808 common shares in Form 4

Rhea-AI Filing Summary

SmartFinancial Inc. director Keith Edward Whaley reported acquiring additional common stock in the company. On 01/29/2026, he acquired 808 shares of SmartFinancial common stock at a reported price of $0 per share. Following this transaction, he beneficially owns 87,369 common shares, held in direct ownership.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Whaley Keith Edward

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	808	$0.00	--

Holdings After Transaction: Common Stock — 87,369 shares (Direct)

Footnotes (1)

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Whaley Keith Edward

(Last) (First) (Middle)

5401 KINGSTON PIKE SUITE 600

(Street)

KNOXVILLE TN 37919

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
SMARTFINANCIAL INC. [ SMBK ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
01/29/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	01/29/2026		A		808	A	$0	87,369	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	/s/ Glen E. Allen, Jr., Attorney-in-Fact	01/30/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did SMBK director Keith Edward Whaley report?

Director Keith Edward Whaley reported acquiring 808 shares of SmartFinancial Inc. common stock. The transaction occurred on January 29, 2026 and was coded as an acquisition, increasing his directly held beneficial ownership in the company.

How many SmartFinancial Inc. (SMBK) shares does Keith Edward Whaley own after this transaction?

After the reported transaction, Keith Edward Whaley beneficially owns 87,369 shares of SmartFinancial Inc. common stock. These shares are reported as being held under direct ownership following the January 29, 2026 acquisition.

What was the price per share in Keith Edward Whaley’s latest SMBK stock acquisition?

The reported price per share for Keith Edward Whaley’s January 29, 2026 acquisition of SmartFinancial Inc. common stock was $0. This entry reflects how the transaction was recorded in the Form 4 filing for the 808 acquired shares.

What type of security did Keith Edward Whaley acquire in SmartFinancial Inc.?

Keith Edward Whaley acquired SmartFinancial Inc. common stock. The Form 4 lists a single non-derivative transaction involving 808 shares of common stock, which increased his total directly held beneficial ownership to 87,369 shares.

Is Keith Edward Whaley a director or officer of SmartFinancial Inc. (SMBK)?

Keith Edward Whaley is identified as a director of SmartFinancial Inc. He is not listed as an officer or 10% owner in the filing, and the Form 4 is filed by him as a single reporting person.