SMARTFINANCIAL INC. (SMBK) director acquires 808 shares through dividend reinvestment plan

Rhea-AI Filing Summary

SMARTFINANCIAL INC. director Geoffrey Alan Wolpert reported acquiring additional common stock through a dividend reinvestment. On January 29, 2026, he acquired 808 shares of SMBK common stock at a stated price of $0 per share, reflecting shares credited under the SMBK Dividend Reinvestment Plan. Following this transaction, he held 100,376 common shares directly. The filing also reports 516 common shares held indirectly by his spouse and 113,519 common shares held indirectly by the Grantor Retained Annuity Trust of Sylvia Patricia Wolpert, providing a view of his broader associated holdings.

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^*

Wolpert Geoffrey Alan

(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								516(1)	I	By Spouse
Common Stock								113,519(1)	I	By Grantor Retained Annuity Trust of Sylvia Patricia Wolpert
Common Stock	01/29/2026		A		808	A	$0	100,376(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	01/30/2026
	** 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 SMBK director Geoffrey Alan Wolpert report?

Geoffrey Alan Wolpert reported acquiring 808 shares of SMARTFINANCIAL INC. common stock on January 29, 2026. The shares were credited at a stated price of $0 per share, reflecting participation in the SMBK Dividend Reinvestment Plan.

How many SMBK shares does Geoffrey Alan Wolpert hold directly after this Form 4?

After the January 29, 2026 transaction, Geoffrey Alan Wolpert directly held 100,376 shares of SMARTFINANCIAL INC. common stock. This figure reflects the addition of 808 shares acquired through the SMBK Dividend Reinvestment Plan.

What indirect SMBK holdings related to Geoffrey Alan Wolpert are disclosed?

The filing shows 516 SMBK common shares held indirectly by Geoffrey Alan Wolpert’s spouse and 113,519 SMBK common shares held indirectly by the Grantor Retained Annuity Trust of Sylvia Patricia Wolpert. These positions are reported as indirect beneficial ownership.

How were the 808 SMBK shares acquired by Geoffrey Alan Wolpert priced?

The 808 SMARTFINANCIAL INC. common shares acquired on January 29, 2026 were reported at a transaction price of $0 per share. A footnote explains this includes shares acquired pursuant to the SMBK Dividend Reinvestment Plan.

What is the significance of the SMBK Dividend Reinvestment Plan in this Form 4?

The Form 4 notes that the reported holdings include shares acquired under the SMBK Dividend Reinvestment Plan. This indicates dividends on existing holdings were automatically reinvested into additional SMARTFINANCIAL INC. common shares instead of being paid in cash.