SmartFinancial (SMBK) CFO granted 3,752 restricted shares

Rhea-AI Filing Summary

SMARTFINANCIAL INC. executive vice president and chief financial officer Ronald J. Gorczynski received a grant of 3,752 shares of common stock as equity compensation. The grant, approved by the Compensation Committee on March 10, 2026, consists of restricted stock that will vest on March 10, 2030. After this award, he directly holds a total of 24,729 common shares, including shares acquired through the SMBK Dividend Reinvestment Plan.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Gorczynski Ronald J

Role EVP & CHIEF FINANCIAL OFFICER

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	3,752	$0.00	--

Holdings After Transaction: Common Stock — 24,729 shares (Direct)

Footnotes (1)

1. On March 10, 2026, the Compensation Committee approved grants of restricted stock, which will vest on March 10, 2030. Includes shares acquired pursuant to the SMBK Dividend Reinvestment Plan

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^*

Gorczynski Ronald J

(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)
	EVP & CHIEF FINANCIAL 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		3,752(1)	A	$0	24,729(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).
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 did SMBK disclose about its CFO in this Form 4 filing?

SMARTFINANCIAL INC. reported that CFO Ronald J. Gorczynski received 3,752 shares of common stock as a restricted stock grant. This equity award increases his direct holdings to 24,729 shares, reflecting routine executive compensation in stock rather than a market purchase or sale.

How many SMBK shares did the CFO acquire in this transaction?

Ronald J. Gorczynski acquired 3,752 shares of SMARTFINANCIAL INC. common stock through a grant. The shares were awarded at no cash cost to him, as a form of restricted stock compensation approved by the company’s Compensation Committee on March 10, 2026.

When will the CFO’s SMBK restricted stock grant vest?

The restricted stock granted to CFO Ronald J. Gorczynski is scheduled to vest on March 10, 2030. Until that vesting date, the shares remain subject to restrictions, which typically require continued service or meeting conditions before full ownership rights are realized.

What is the CFO’s total SMBK shareholding after this Form 4 event?

Following the grant of 3,752 restricted shares, CFO Ronald J. Gorczynski directly holds 24,729 shares of SMARTFINANCIAL INC. common stock. This total includes shares previously acquired through the SMBK Dividend Reinvestment Plan, as noted in the accompanying footnote disclosure.

Was the SMBK CFO’s stock grant an open-market purchase or sale?

The transaction was not an open-market trade. It is coded as an “A” transaction, meaning a grant or award acquisition, with a price per share of $0.0000, reflecting restricted stock granted as compensation rather than shares bought or sold on the market.

Who approved the restricted stock grant for SMBK’s CFO?

The restricted stock grant to CFO Ronald J. Gorczynski was approved by the company’s Compensation Committee on March 10, 2026. This committee typically oversees executive pay, aligning stock-based awards with corporate governance policies and long-term performance incentives for senior leaders.