SMARTFINANCIAL (SMBK) CPO receives 1,913-share restricted stock grant

Rhea-AI Filing Summary

SMARTFINANCIAL INC. chief people officer Rebecca C. Boyd received a grant of 1,913 shares of common stock on March 10, 2026 as compensation. The restricted stock will vest on March 10, 2030. After this award, she directly holds 12,342 common shares, including shares acquired through the SMBK Dividend Reinvestment Plan.

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

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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^*

Boyd Rebecca C

(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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	CPO - CHIEF PEOPLE OFFICER

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)
			Code	V	Amount	(A) or (D)	Price
Common Stock	03/10/2026		A		1,913(1)	A	$0	12,342(2)	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:

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

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

	/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.

FAQ

What insider transaction did SMARTFINANCIAL INC. (SMBK) report for Rebecca C. Boyd?

SMARTFINANCIAL INC. reported that chief people officer Rebecca C. Boyd received a grant of 1,913 shares of common stock. This award was recorded as a compensation-related acquisition rather than an open-market purchase or sale, reflecting routine equity-based compensation.

When do Rebecca C. Boyd’s newly granted SMBK restricted shares vest?

The 1,913 restricted shares granted to Rebecca C. Boyd vest on March 10, 2030. Until vesting, the stock remains subject to restrictions typically tied to continued employment or service, aligning her long-term incentives with SMARTFINANCIAL INC. shareholder interests.

How many SMARTFINANCIAL INC. shares does Rebecca C. Boyd hold after this grant?

After the March 10, 2026 restricted stock grant, Rebecca C. Boyd directly holds 12,342 shares of SMARTFINANCIAL INC. common stock. This total includes shares previously acquired through the SMBK Dividend Reinvestment Plan in addition to the new 1,913-share award.

Was Rebecca C. Boyd’s SMBK stock grant an open-market purchase or sale?

The Form 4 classifies the March 10, 2026 transaction as a grant or award acquisition, not an open-market trade. The 1,913 shares of SMARTFINANCIAL INC. common stock were awarded at a per-share price of $0.00 as part of her compensation package.

Who approved the restricted stock grant to Rebecca C. Boyd at SMARTFINANCIAL INC.?

The restricted stock grant was approved by the Compensation Committee on March 10, 2026. This committee-authorized award of 1,913 SMARTFINANCIAL INC. common shares reflects standard governance processes around executive and officer equity compensation programs.