SmartFinancial (SMBK) director adds 808 shares, now holds 50,722

Rhea-AI Filing Summary

SmartFinancial Inc. director Tucker Steven B. reported acquiring 808 shares of SmartFinancial common stock on January 29, 2026 in a transaction coded "A" at a price of $0 per share. Following this acquisition, he beneficially owns 50,722 shares of the company’s common stock in direct ownership.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Tucker Steven B.

Role Director

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

Holdings After Transaction: Common Stock — 50,722 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^*

Tucker Steven B.

(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	50,722	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 Tucker Steven B. report at SMBK?

Director Tucker Steven B. reported acquiring 808 shares of SmartFinancial Inc. common stock. The transaction occurred on January 29, 2026 and was coded “A,” indicating an acquisition, often through an award or similar grant rather than an open-market purchase.

How many SmartFinancial (SMBK) shares does Tucker Steven B. own after this Form 4?

After the reported transaction, Tucker Steven B. beneficially owns 50,722 shares of SmartFinancial Inc. common stock. The filing shows this as direct ownership, meaning the shares are held in his name rather than through an intermediate entity.

At what price were the 808 SMBK shares acquired by the director?

The 808 SmartFinancial Inc. shares were acquired at a reported price of $0.00 per share. Such zero-price acquisitions typically reflect stock grants, awards, or similar forms of compensation rather than cash purchases in the open market.

What does transaction code "A" mean on the SmartFinancial Form 4?

Transaction code “A” on the SmartFinancial Inc. Form 4 indicates an acquisition of securities. This usually covers stock awards, grants, or other non-open-market acquisitions rather than sales, and is distinct from code “P” for open-market purchases.

Is the SmartFinancial (SMBK) insider ownership reported as direct or indirect?

The Form 4 reports the 50,722 SmartFinancial Inc. shares as held with direct ownership. Direct ownership means the reporting person holds the shares personally, not through a trust, partnership, or other indirect entity arrangement.