SMARTFINANCIAL INC. (SMBK) EVP & CFO discloses Form 4 stock transaction

Rhea-AI Filing Summary

SMARTFINANCIAL INC. executive reports change in share ownership. The company’s EVP & Chief Financial Officer filed a Form 4 reporting a disposition of 842 shares of SMARTFINANCIAL INC. common stock on 01/01/2026 at a price of $36.99 per share, coded as transaction type "F." After this transaction, the officer beneficially owns 20,936 shares of common stock, which includes 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

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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^*

Gorczynski Ronald J

(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)
	EVP & CHIEF FINANCIAL OFFICER

3. Date of Earliest Transaction (Month/Day/Year)
01/01/2026

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	01/01/2026		F		842	D	$36.99	20,936(1)	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. Includes shares acquired pursuant to the SMBK Dividend Reinvestment Plan

	/s/ Glen E. Allen, Jr., Attorney-in-Fact	01/02/2026
	** 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?

The EVP & Chief Financial Officer reported a disposition of 842 shares of SMARTFINANCIAL INC. common stock on 01/01/2026, coded as transaction type "F" at a price of $36.99 per share.

How many SMARTFINANCIAL INC. (SMBK) shares does the officer own after the transaction?

Following the reported transaction, the EVP & Chief Financial Officer beneficially owns 20,936 shares of SMARTFINANCIAL INC. common stock.

What position does the reporting person hold at SMARTFINANCIAL INC. (SMBK)?

The reporting person serves as EVP & Chief Financial Officer of SMARTFINANCIAL INC.

Are the reported SMARTFINANCIAL INC. (SMBK) shares held directly or indirectly?

The Form 4 indicates the 20,936 shares of SMARTFINANCIAL INC. common stock are held with direct (D) ownership.

Does the SMARTFINANCIAL INC. (SMBK) Form 4 mention dividend reinvestment plan shares?

Yes. The explanation notes that the reported beneficial ownership figure includes shares acquired under the SMBK Dividend Reinvestment Plan.

Was the SMARTFINANCIAL INC. (SMBK) Form 4 filed by one or multiple reporting persons?

The filing was indicated as a Form filed by One Reporting Person, not a joint or group filing.