Director Ogle adds SmartFinancial (SMBK) shares through dividend reinvestment

Rhea-AI Filing Summary

SmartFinancial Inc. director David Austin Ogle reported acquiring 808 shares of common stock on January 29, 2026 at $0.00 per share through the SMBK Dividend Reinvestment Plan. Following this transaction, he directly holds 197,451 shares of SmartFinancial common stock.

In addition to his direct holdings, 40,934 shares are owned indirectly through the Ogle Land General Partnership, where he is a partner. This filing reflects ongoing equity accumulation rather than an open-market purchase or sale.

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

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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^*

Ogle David Austin

(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	197,451(1)	D
Common Stock								40,934(1)	I	By Partnership(2)

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:

1. Includes shares acquired pursuant to the SMBK Dividend Reinvestment Plan

2. Shares owned by the Ogle Land General Partnership, of which Mr. Ogle is a partner.

	/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 Ogle David Austin report for SMBK?

Director Ogle David Austin reported acquiring 808 shares of SmartFinancial Inc. common stock on January 29, 2026. The shares were obtained at $0.00 per share through the SMBK Dividend Reinvestment Plan, reflecting dividend reinvestment rather than a cash purchase in the open market.

How many SmartFinancial (SMBK) shares does Ogle David Austin own after this Form 4?

After the reported transaction, Ogle David Austin directly owns 197,451 SmartFinancial common shares. He also has an indirect interest in 40,934 additional shares held by the Ogle Land General Partnership, giving him a combined direct and partnership-associated exposure to the company’s stock.

What is the price and source of the 808 SMBK shares acquired?

The 808 SmartFinancial shares were acquired at $0.00 per share on January 29, 2026. They were issued under the SMBK Dividend Reinvestment Plan, meaning dividends were reinvested into additional stock rather than paid out in cash to the director.

How are Ogle David Austin’s indirect SMBK holdings structured?

Ogle David Austin’s indirect SmartFinancial holdings total 40,934 shares. These shares are owned by the Ogle Land General Partnership, of which he is a partner. This structure means his interest arises through a partnership entity rather than direct personal ownership.

Does this SMBK Form 4 show any stock sales by Ogle David Austin?

The Form 4 shows no stock sales by Ogle David Austin. It only reports an acquisition of 808 SmartFinancial common shares via the dividend reinvestment plan and lists his updated direct and indirect holdings after that non-cash share issuance.

What role does Ogle David Austin hold at SmartFinancial Inc. (SMBK)?

Ogle David Austin is identified as a director of SmartFinancial Inc. in the filing. The Form 4 indicates the transaction is reported by one reporting person, reflecting changes in his beneficial ownership of the company’s common stock.