What are Carroll William Young Jr.’s direct and indirect SMBK share holdings after this Form 4?

After the March 10, 2026 grant, Carroll William Young Jr. directly holds 133,094 shares of SMARTFINANCIAL INC. common stock. The filing also reports 42,666 additional shares held indirectly through the William Carroll Jr. Descendent Trust, reflecting further beneficial exposure.

What role does the William Carroll Jr. Descendent Trust play in SMBK share ownership?

The filing shows 42,666 shares of SMARTFINANCIAL INC. common stock held indirectly through the William Carroll Jr. Descendent Trust. This indicates an additional block of shares associated with the CEO via a trust structure, separate from his 133,094 directly owned shares.

SmartFinancial (SMBK) CEO receives 9,450 restricted shares, holds over 175K total

Filing Impact

(Neutral)

Filing Sentiment

(Neutral)

Form Type

Rhea-AI Filing Summary

Carroll William Young Jr. reported acquisition or exercise transactions in this Form 4 filing.

SMARTFINANCIAL INC. reported an equity compensation grant to its president and CEO, Carroll William Young Jr. On March 10, 2026, he received 9,450 shares of restricted common stock at no purchase price, which are scheduled to vest on March 10, 2030. Following this award, his directly held common stock position increased to 133,094 shares. The filing also reports 42,666 shares of common stock held indirectly through the William Carroll Jr. Descendent Trust, reflecting additional beneficial exposure separate from his direct holdings.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Carroll William Young Jr.

Role PRESIDENT AND CEO

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	9,450	$0.00	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 133,094 shares (Direct); Common Stock — 42,666 shares (Indirect, By William Carroll, Jr. Decendent Trust)

Footnotes (1)

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Form 4 Insider Transactions: What Each Field Means →

03/11/2026 - 05:00 PM

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^*

Carroll William Young Jr.

(Last)

(First)

(Middle)

5401 KINGSTON PIKE SUITE 600

(Street)

KNOXVILLE

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
X	Officer (give title below)	Other (specify below)
	PRESIDENT AND CEO

3. Date of Earliest Transaction (Month/Day/Year)
03/10/2026

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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	03/10/2026		A		9,450⁽¹⁾	A	$0	133,094	D
Common Stock								42,666	I	By William Carroll, Jr. Decendent Trust

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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

Explanation of Responses:

1. On March 10, 2026, the Compensation Committee approved grants of restricted stock, which will vest on March 10, 2030.

	/s/ Glen E. Allen, Jr., Attorney-in-Fact	03/11/2026
	** 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.

Source: View Original Filing on SEC EDGAR

FAQ

What insider transaction did SMARTFINANCIAL INC. (SMBK) report for Carroll William Young Jr.?

SMARTFINANCIAL INC. reported that president and CEO Carroll William Young Jr. received a grant of 9,450 shares of restricted common stock on March 10, 2026. This is a compensation-related award, not an open-market trade, and increases his equity stake in the company.

How many SMARTFINANCIAL INC. (SMBK) shares were granted and when do they vest?

The CEO was granted 9,450 shares of restricted SMARTFINANCIAL INC. common stock. According to the filing, these restricted shares are scheduled to vest on March 10, 2030. Until vesting, the award remains subject to the applicable restriction and service conditions.

Was the SMBK insider transaction an open-market purchase or a compensation award?

The reported SMBK insider transaction is a compensation award, not an open-market purchase or sale. The Form 4 uses transaction code A for a grant or award, with 9,450 restricted shares approved by the Compensation Committee and no price paid per share.