SmartFinancial Inc. (SMBK) CEO updates insider holdings in Form 4

Rhea-AI Filing Summary

SmartFinancial Inc. reported a stock transaction by its President and CEO, who is also a director. On 01/01/2026, the insider had a disposition of 1,807 shares of common stock at $36.99 per share, reported with transaction code "F." Following this transaction, the insider beneficially owned 123,644 shares of common stock directly.

The filing also shows an additional 42,666 shares held indirectly through the William Carroll, Jr. Decendent Trust. The report is filed as a Form 4 for one reporting person and reflects the insider’s ongoing equity ownership in SmartFinancial Inc.

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^*

Carroll William Young Jr.

(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
X	Officer (give title below)		Other (specify below)
	PRESIDENT AND CEO

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		1,807	D	$36.99	123,644	D
Common Stock								42,666	I	By William Carroll, Jr. Decendent Trust

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	01/02/2026
	** 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 report shows a disposition of 1,807 shares of SmartFinancial Inc. common stock on 01/01/2026, reported under transaction code "F".

At what price were the SmartFinancial Inc. (SMBK) shares reported in the Form 4 transaction?

The 1,807 shares of common stock were reported at a price of $36.99 per share.

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

After the reported transaction, the insider beneficially owns 123,644 shares of SmartFinancial Inc. common stock directly.

Does the reporting person have any indirect ownership of SmartFinancial Inc. (SMBK) shares?

Yes. The Form 4 lists 42,666 shares of common stock held indirectly through the William Carroll, Jr. Decendent Trust.

What is the relationship of the reporting person to SmartFinancial Inc. (SMBK)?

The reporting person is both a Director and an Officer of SmartFinancial Inc., serving as President and CEO.

Is this SmartFinancial Inc. (SMBK) Form 4 filed for more than one reporting person?

No. The Form 4 indicates it is filed by one reporting person.