Director Barrett Victor Lynn adds SMBK shares at no cost in Form 4 filing

Rhea-AI Filing Summary

SmartFinancial Inc. director Barrett Victor Lynn reported acquiring additional company stock. On 01/29/2026, Lynn acquired 808 shares of SmartFinancial Inc. common stock at a price of $0 per share, bringing his directly held stake to 148,724 shares. He also reports 9,126 shares held indirectly through a trust for the benefit of his spouse.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Barrett Victor Lynn

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	808	$0.00	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 148,724 shares (Direct); Common Stock — 9,126 shares (Indirect, By Trust for the benefit of Spouse)

Footnotes (1)

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^*

Barrett Victor Lynn

(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	01/29/2026		A		808	A	$0	148,724	D
Common Stock								9,126	I	By Trust for the benefit of 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	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 Barrett Victor Lynn report?

Barrett Victor Lynn reported acquiring 808 shares of SmartFinancial Inc. common stock. The shares were acquired on 01/29/2026 at $0 per share, increasing his directly held position to 148,724 shares as disclosed in the Form 4 filing.

How many SMBK shares does Barrett Victor Lynn own after this Form 4?

After the reported transaction, Barrett Victor Lynn directly owns 148,724 shares of SmartFinancial Inc. common stock. In addition, 9,126 shares are reported as indirectly owned through a trust established for the benefit of his spouse.

What was the price per share in Barrett Victor Lynn’s latest SMBK stock acquisition?

The reported acquisition price was $0 per share for the 808 SmartFinancial Inc. common shares. This zero-dollar price typically reflects stock awarded rather than purchased on the open market, as captured in the Form 4 transaction details.

What roles does Barrett Victor Lynn have at SmartFinancial Inc. (SMBK)?

Barrett Victor Lynn is identified as a director of SmartFinancial Inc. in the Form 4. The filing indicates he is not listed as an officer or 10% owner, focusing solely on his board-level relationship with the company.

How are indirectly owned SMBK shares reported for Barrett Victor Lynn?

The Form 4 reports 9,126 SmartFinancial Inc. shares as indirectly owned by Barrett Victor Lynn. These shares are held "By Trust for the benefit of Spouse," indicating beneficial ownership through a trust structure rather than direct personal holding.