SmartFinancial (SMBK) chair buys 835 shares in insider purchase

Rhea-AI Filing Summary

SmartFinancial Inc. chairman Welborn Wesley Miller reported buying additional company stock. On 02/09/2026, he purchased 835 shares of SmartFinancial Inc. common stock at $43.13 per share, bringing his directly held stake to 96,468 shares. He also reported indirect beneficial ownership of 14,167 shares held by each of the Margaret Polfrey Welborn, Elizabeth Houston Welborn, and Ann Miller Welborn trusts, and 4,725 shares held by his spouse.

Insider Trade Summary

Net Buyer: 835 shares ($36,014)

Net Buy 5 txns

Insider Welborn Wesley Miller

Role CHAIRMAN OF THE BOARD

Bought 835 shs ($36K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	835	$43.13	$36K
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 96,468 shares (Direct); Common Stock — 14,167 shares (Indirect, By Margaret Polfrey Welborn Trust)

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^*

Welborn Wesley Miller

(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
X	Officer (give title below)		Other (specify below)
	CHAIRMAN OF THE BOARD

3. Date of Earliest Transaction (Month/Day/Year)
02/09/2026

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	02/09/2026		P		835	A	$43.13	96,468	D
Common Stock								14,167	I	By Margaret Polfrey Welborn Trust
Common Stock								14,167	I	By Elizabeth Houston Welborn Trust
Common Stock								14,167	I	By Ann Miller Welborn Trust
Common Stock								4,725	I	By Spouse

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	02/10/2026
	** 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 chairman Welborn Wesley Miller report?

Welborn Wesley Miller reported buying 835 shares of SmartFinancial Inc. common stock. The purchase occurred on 02/09/2026 at a price of $43.13 per share, increasing his directly held position to 96,468 shares as shown in the filing.

What is Welborn Wesley Miller’s role at SmartFinancial Inc. (SMBK)?

Welborn Wesley Miller serves as a director and as Chairman of the Board of SmartFinancial Inc. The Form 4 identifies him in both roles, indicating he is a senior insider with board-level responsibility at the company.

At what price did the SMBK insider purchase common stock on February 9, 2026?

The insider purchase was made at $43.13 per share. On 02/09/2026, Welborn Wesley Miller bought 835 shares of SmartFinancial Inc. common stock at that price, as disclosed in the non-derivative transaction table.

How many SmartFinancial Inc. shares does Welborn Wesley Miller hold directly after the reported trade?

After the reported transaction, Welborn Wesley Miller directly owns 96,468 shares of SmartFinancial Inc. common stock. This figure reflects his beneficial ownership following the 835-share purchase on 02/09/2026 disclosed in the Form 4.

What indirect holdings of SMBK stock are reported for Welborn Wesley Miller?

The filing lists indirect beneficial ownership of 14,167 shares in each of the Margaret Polfrey Welborn, Elizabeth Houston Welborn, and Ann Miller Welborn trusts, plus 4,725 shares held by his spouse. These positions are reported as indirect holdings of SmartFinancial Inc. common stock.

Does the Form 4 disclose any derivative securities for SMBK associated with Welborn Wesley Miller?

No derivative securities are listed for Welborn Wesley Miller in the provided tables. The Form 4’s derivative securities section shows no entries, indicating only common stock holdings and one purchase transaction are disclosed in this particular filing.