SmartFinancial Inc. (SMBK) CAO reports 445-share insider stock transaction

Rhea-AI Filing Summary

SmartFinancial Inc.'s Chief Accounting Officer reported a small share transaction in company stock. On 01/01/2026, the officer had 445 shares of common stock disposed of in a transaction coded "F" at a price of $36.99 per share. After this transaction, the officer beneficially owned 10,142 shares of SmartFinancial common stock.

The reported ownership amount includes shares acquired through the SMBK Dividend Reinvestment Plan, meaning some of the holdings come from automatic reinvestment of dividends rather than open-market purchases.

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^*

Cain Cynthia A

(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)
	CAO - CHIEF ACCOUNTING 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		445	D	$36.99	10,142(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 in this Form 4?

The Chief Accounting Officer of SmartFinancial Inc. reported a transaction on 01/01/2026 in which 445 shares of common stock were disposed of in a transaction coded "F" at $36.99 per share.

Who is the reporting person in SmartFinancial Inc. (SMBK)'s latest insider filing?

The reporting person is an officer of SmartFinancial Inc., serving as the Chief Accounting Officer (CAO).

How many SmartFinancial Inc. (SMBK) shares does the insider own after the reported transaction?

After the reported transaction, the insider beneficially owns 10,142 shares of SmartFinancial Inc. common stock in direct ownership form.

What does transaction code "F" mean in the SmartFinancial Inc. (SMBK) Form 4?

In this filing, the transaction is coded "F", indicating a disposition of 445 shares of common stock at $36.99 per share in connection with tax or similar obligations, as reflected by the Form 4 coding.

Are dividend reinvestment plan shares included in the SmartFinancial Inc. (SMBK) insider's holdings?

Yes. The filing states that the reported beneficial ownership of 10,142 shares includes shares acquired pursuant to the SMBK Dividend Reinvestment Plan.

Is the SmartFinancial Inc. (SMBK) Form 4 filed by one or multiple reporting persons?

The document indicates that the Form 4 is filed by one reporting person, not a group filing.