SmartFinancial (SMBK) CAO receives 2,052-share restricted stock grant

Rhea-AI Filing Summary

SMARTFINANCIAL INC. Chief Accounting Officer Cynthia A. Cain received a grant of 2,052 shares of common stock on March 10, 2026, as a restricted stock award. These shares were granted at no cash cost and are scheduled to vest on March 10, 2030. After this award, she holds 12,214 shares directly, which includes shares previously 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^*

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)
03/10/2026

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	03/10/2026		A		2,052(1)	A	$0	12,214(2)	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. On March 10, 2026, the Compensation Committee approved grants of restricted stock, which will vest on March 10, 2030.

2. Includes shares acquired pursuant to the SMBK Dividend Reinvestment Plan

	/s/ Glen E. Allen, Jr., Attorney-in-Fact	03/11/2026
	** 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).
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FAQ

What insider transaction did SMARTFINANCIAL INC. (SMBK) report for Cynthia A. Cain?

SMARTFINANCIAL INC. reported that Chief Accounting Officer Cynthia A. Cain received a grant of 2,052 shares of common stock. This was a restricted stock award granted at no cash cost, increasing her direct holdings to 12,214 shares following the transaction.

Was the SMBK insider transaction for Cynthia A. Cain a purchase or a grant?

The SMBK transaction for Cynthia A. Cain was a grant of restricted stock, not an open-market purchase. She acquired 2,052 shares as compensation, with a reported price per share of $0.00, reflecting an award rather than a cash-funded investment.

When do Cynthia A. Cain’s newly granted SMBK restricted shares vest?

Cynthia A. Cain’s newly granted restricted shares of SMARTFINANCIAL INC. common stock are scheduled to vest on March 10, 2030. Vesting means she will fully earn the shares over time, as approved by the Compensation Committee on March 10, 2026.

How many SMARTFINANCIAL INC. shares does Cynthia A. Cain hold after this Form 4 transaction?

After the reported grant, Cynthia A. Cain holds 12,214 shares of SMARTFINANCIAL INC. common stock directly. This total includes the 2,052 newly granted restricted shares and shares previously acquired through the SMBK Dividend Reinvestment Plan, according to the disclosure footnote.

What does the $0.00 price per share mean in Cynthia A. Cain’s SMBK Form 4 filing?

The $0.00 price per share indicates the 2,052 shares were granted as a restricted stock award, not bought in the market. This reflects compensation approved by the Compensation Committee, rather than a cash purchase, and is common for executive equity grants.

Does the SMBK Form 4 mention dividend reinvestment for Cynthia A. Cain’s holdings?

Yes. A footnote states that her reported holdings include shares acquired through the SMBK Dividend Reinvestment Plan. This means part of her 12,214 directly held shares came from automatic reinvestment of dividends into SMARTFINANCIAL INC. stock over time.