Director adds 3,000 SmartFinancial (NASDAQ: SMBK) shares in open-market buy

Rhea-AI Filing Summary

SMARTFINANCIAL INC. director Cathy G. Ackermann reported an open-market purchase of 3,000 shares of common stock at $42.12 per share. Following this transaction, she owns 19,831 shares directly, plus 2,100 shares held by her spouse and 10,500 shares held by a marital trust.

Insider Trade Summary

Net Buyer: 3,000 shares ($126,360)

Net Buy 3 txns

Insider Ackermann Cathy G

Role null

Bought 3,000 shs ($126K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	3,000	$42.12	$126K
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 19,831 shares (Direct, null); Common Stock — 10,500 shares (Indirect, By Marital Trust for Rebecca James Sidwell)

Footnotes (1)

Key Figures

Shares purchased: 3,000 shares Purchase price: $42.12 per share Direct holdings after transaction: 19,831 shares +2 more

5 metrics

Shares purchased 3,000 shares Open-market purchase on 2026-06-04

Purchase price $42.12 per share Open-market transaction code P

Direct holdings after transaction 19,831 shares Common stock held directly by director

Spouse indirect holdings 2,100 shares Indirect ownership, nature of ownership: By Spouse

Marital trust holdings 10,500 shares Indirect ownership, marital trust for Rebecca James Sidwell

Key Terms

open-market purchase, indirect ownership, By Spouse, By Marital Trust for Rebecca James Sidwell

4 terms

open-market purchase financial

"transaction_action": "open-market purchase""

An open-market purchase is when an investor or a company buys shares on a public stock exchange at the going market price, rather than through a private deal. It matters to investors because these purchases change how many shares are available, can push the stock price up or signal confidence from large buyers, and often affect per-share metrics like earnings—think of it like someone buying lots of apples off a grocery shelf, reducing supply and potentially raising the price.

indirect ownership financial

""ownership_type": "indirect""

By Spouse financial

""nature_of_ownership": "By Spouse""

By Marital Trust for Rebecca James Sidwell financial

""nature_of_ownership": "By Marital Trust for Rebecca James Sidwell""

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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^*

Ackermann Cathy G

(Last) (First) (Middle)

5401 KINGSTON PIKE

SUITE 600

(Street)

KNOXVILLE TENNESSEE 37919

(City) (State) (Zip)

UNITED STATES

(Country)

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)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
06/04/2026

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

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

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

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	06/04/2026		P		3,000	A	$42.12	19,831	D
Common Stock								10,500	I	By Marital Trust for Rebecca James Sidwell
Common Stock								2,100	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	06/04/2026
	** 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.
* Form 4: SEC 1474 (03-26)

FAQ

What insider transaction did SMBK director Cathy Ackermann report?

SMARTFINANCIAL INC. director Cathy G. Ackermann reported buying 3,000 shares of common stock. The transaction was an open-market purchase at $42.12 per share, increasing her direct ownership stake in the company to 19,831 shares.

At what price did the SMBK director purchase SmartFinancial shares?

Cathy G. Ackermann purchased SmartFinancial common stock at $42.12 per share. This open-market transaction covered 3,000 shares and reflects the price she paid in that specific buy, as disclosed in the Form 4 insider filing.

How many SMBK shares does Cathy Ackermann own after this transaction?

After the reported purchase, Cathy G. Ackermann directly owns 19,831 SmartFinancial shares. In addition, 2,100 shares are held by her spouse and 10,500 shares are held by a marital trust, both reported as indirect ownership positions.

What indirect SMBK holdings are reported for Cathy Ackermann?

The filing shows 2,100 SmartFinancial shares held by her spouse and 10,500 shares held by a marital trust for Rebecca James Sidwell. These positions are reported as indirect ownership, in addition to her directly held 19,831 shares.

Was the recent SMBK insider trade a buy or a sell?

The recent insider trade by director Cathy G. Ackermann was a buy. She executed an open-market purchase of 3,000 SmartFinancial common shares at $42.12 each, with no corresponding reported sales in the same Form 4 filing.