# EDGAR Filing Document

**Accession Number:** 0001038773
**File Stem:** 0001104659-25-105643
**Filing Date:** 2025-11
**Character Count:** 6845
**Document Hash:** aa58f09f9edf267ac13e427f2e73d9fc
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-105643.hdr.sgml**: 20251103

**ACCESSION NUMBER**: 0001104659-25-105643

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 14

**CONFORMED PERIOD OF REPORT**: 20251031

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20251103

**DATE AS OF CHANGE**: 20251103

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SMARTFINANCIAL INC.
- **CENTRAL INDEX KEY:** 0001038773
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 621173944
- **STATE OF INCORPORATION:** TN
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-37661
- **FILM NUMBER:** 251445108

**BUSINESS ADDRESS:**
- **STREET 1:** 5401 KINGSTON PIKE
- **STREET 2:** SUITE 600
- **CITY:** KNOXVILLE
- **STATE:** TN
- **ZIP:** 37919
- **BUSINESS PHONE:** 865-437-5700

**MAIL ADDRESS:**
- **STREET 1:** 5401 KINGSTON PIKE
- **STREET 2:** SUITE 600
- **CITY:** KNOXVILLE
- **STATE:** TN
- **ZIP:** 37919

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** CORNERSTONE BANCSHARES INC
- **DATE OF NAME CHANGE:** 19980402

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** EAST RIDGE BANCSHARES INC
- **DATE OF NAME CHANGE:** 19970507

?xml version='1.0' encoding='ASCII'? SMARTFINANCIAL, INC._October 31, 2025

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**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM 8-K**

**CURRENT REPORT**

**Pursuant to Section 13 or 15(d)**

**of the Securities Exchange Act of 1934**

Date of Report (Date of earliest event reported): **October 31, 2025**

**SMARTFINANCIAL, INC.**

(Exact name of registrant as specified in its charter)

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| | | |
|:---|:---|:---|
| **Tennessee** | **001-37661** | **62-1173944** |
| (State or other jurisdiction<br>of incorporation) | (Commission<br>File Number) | (IRS Employer<br>Identification No.) |

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| | |
|:---|:---|
| **5401 Kingston Pike, Suite 600** | **37919** |
| **Knoxville, Tennessee** | (Zip Code) |
| (Address of principal executive offices) |  |

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| |
|:---|
| **(865) 437-5700** |
| (Registrant's telephone number, including area code) |

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act.:

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| | | |
|:---|:---|:---|
| Title of each class | Trading Symbol(s) | Name of each exchange on which registered |
| Common Stock, $1.00 par value | SMBK | The New York Stock Exchange |

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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#### Item 7.01 Regulation FD Disclosure.
On October 31, 2025, the board of directors of SmartFinancial, Inc. ("***SmartFinancial***") declared a quarterly cash dividend of $0.08 per share of SmartFinancial common stock (the "***Dividend***") payable on December 2, 2025, to shareholders of record as of the close of business on November 17, 2025. On November 3, 2025, SmartFinancial issued a press release announcing the Dividend. A copy of the press release is attached as Exhibit 99.1 hereto and incorporated herein by reference.

In accordance with General Instructions B.2 of Form 8K, the information in Item 7.01 of this report (including Exhibit 99.1) shall not be deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "***Exchange Act***"), or otherwise subject to the liabilities of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

#### Item 9.01 Financial Statements and Exhibits
(d) EXHIBITS

99.1[Press Release issued by SmartFinancial, Inc., dated November 3, 2025](smbk-20251031xex99d1.htm)

104Cover Page Interactive Data File (embedded within the inline XBRL document)

#### SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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| | | |
|:---|:---|:---|
|  | **SMARTFINANCIAL, INC.** | **SMARTFINANCIAL, INC.** |
| Date: November 3, 2025 |  |  |
|  | By: | /s/ William Y. Carroll, Jr. |
|  | Name: | William Y. Carroll, Jr. |
|  | Title: | *President & Chief Executive Officer* |

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## Exhibit 99.1

**Exhibit 99.1**

![Graphic](smbk-20251031xex99d1001.jpg)

#### SMARTFINANCIAL APPROVES

#### REGULAR QUARTERLY CASH DIVIDEND
KNOXVILLE, Tenn., November 3, 2025 – SmartFinancial, Inc. ("SmartFinancial") (NYSE: SMBK), the parent company for SmartBank, announced that on October 31, 2025, the board of directors of SmartFinancial declared a quarterly cash dividend of $0.08 per share of SmartFinancial common stock payable on December 2, 2025, to shareholders of record as of the close of business on November 17, 2025.

**About SmartFinancial, Inc.**

SmartFinancial, Inc., based in Knoxville, Tennessee, is the publicly-traded bank holding company for SmartBank. SmartBank is a full-service commercial bank founded in 2007 with branches across Tennessee, Alabama, and Florida. Recruiting the best people, delivering exceptional client service, strategic branching, and a disciplined approach to lending have all contributed to the company's success. More information about SmartFinancial can be found on its website: www.smartfinancialinc.com.

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| | |
|:---|:---|
| **Investor Contacts** |  |
| Billy Carroll | Nathan Strall |
| President & Chief Executive Officer | VP and Director of Strategy & Corporate Development |
| Email: billy.carroll@smartbank.com | Email: nathan.strall@smartbank.com |
| Phone: (865) 868-0613 | Phone: (865) 868-2604 |

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