SmartFinancial Inc. (SMBK) chairman reports 1,305-share stock disposition

Rhea-AI Filing Summary

SmartFinancial Inc. insider transaction: A director and Chairman of the Board of SmartFinancial Inc. reported a disposition of 1,305 shares of common stock on 01/01/2026 at a price of $36.99 per share. Following this transaction, the reporting person directly owned 95,633 shares of SmartFinancial common stock.

In addition to the direct holdings, the filing shows indirect ownership of 14,167 shares held by each of the Margaret Polfrey Welborn Trust, Elizabeth Houston Welborn Trust, and Ann Miller Welborn Trust, as well as 4,725 shares held by the reporting person’s spouse. No derivative securities transactions were reported in this filing.

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
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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^*

Welborn Wesley Miller

(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)
	CHAIRMAN OF THE BOARD

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		1,305	D	$36.99	95,633	D
Common Stock								14,167	I	By Margaret Polfrey Welborn Trust
Common Stock								14,167	I	By Elizabeth Houston Welborn Trust
Common Stock								14,167	I	By Ann Miller Welborn Trust
Common Stock								4,725	I	By 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	01/02/2026
	** 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 Form 4 reports that a director and Chairman of the Board of SmartFinancial Inc. disposed of 1,305 shares of common stock on 01/01/2026 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 directly owns 95,633 shares of SmartFinancial Inc. common stock.

What indirect SmartFinancial Inc. (SMBK) holdings are reported for this insider?

The filing lists indirect ownership of 14,167 shares held by each of the Margaret Polfrey Welborn Trust, Elizabeth Houston Welborn Trust, and Ann Miller Welborn Trust, plus 4,725 shares held by the insider’s spouse.

What role does the reporting person hold at SmartFinancial Inc. (SMBK)?

The reporting person is identified as both a Director and an Officer, with the title Chairman of the Board at SmartFinancial Inc.

Does this SmartFinancial Inc. (SMBK) Form 4 report any derivative securities?

No derivative securities transactions are reported; the section for derivative securities shows no entries.

Is this SmartFinancial Inc. (SMBK) Form 4 filed for an individual or a group?

The document indicates that the Form is filed by one reporting person, not by more than one reporting person.