Recent 8-K filings for SMBK

• May 22, 2026, 5:00 PM ET other material materiality 0.15 neutral item 5.07

  SmartFinancial shareholders elect 10 directors, ratify auditor, approve say-on-pay at annual meeting

  All 10 director nominees elected; votes for ranged from 9.66M (Ogle) to 11.21M (Ackermann).

• April 30, 2026, 7:59 PM ET dividend materiality 0.55 positive item 7.01item 9.01

  SmartFinancial raises quarterly dividend 12.5% to $0.09 per share

  Quarterly cash dividend of $0.09 per share, up from $0.08 per share in January 2026.

• April 20, 2026, 7:59 PM ET earnings materiality 0.70 positive item 2.02item 7.01item 9.01 ◈ Earnings Releases

  SmartFinancial Q1 net income $13.7M ($0.81 EPS), flat QoQ, up from $0.67 YoY; loan growth $155M

  Net income of $13.7M or $0.81 diluted EPS, unchanged from prior quarter; up from $11.3M ($0.67) a year ago.

• March 31, 2026, 7:59 PM ET leadership materiality 0.30 neutral item 5.02item 7.01item 9.01

  SmartFinancial promotes Cynthia A. Cain to COO of SmartBank, effective immediately

  Cynthia A. Cain, age 53, promoted to Chief Operating Officer of SmartBank, effective March 31, 2026.

• January 30, 2026, 6:59 PM ET other material materiality 0.55 positive item 7.01item 9.01

  SmartFinancial declares $0.08 quarterly dividend and authorizes $10M share repurchase program

  Quarterly cash dividend of $0.08 per share, payable March 2, 2026, to holders of record Feb 13, 2026.

• January 20, 2026, 6:59 PM ET earnings materiality 0.75 positive item 2.02item 7.01item 9.01

  SmartFinancial Q4 2025 EPS $0.81, net income $13.7M; organic loan growth 13% annualized

  Net income $13.7M ($0.81 diluted EPS) vs $9.6M ($0.57) in Q4 2024, up 42% YoY.

• January 5, 2026, 6:59 PM ET debt materiality 0.30 neutral item 8.01item 9.01

  SmartFinancial extends exchange offer for $100M 7.25% subordinated notes due 2035 to Jan 9

  Exchange offer now expires at 5:00 p.m. NY time on January 9, 2026.

• November 3, 2025, 6:59 PM ET dividend materiality 0.30 neutral item 7.01item 9.01

  SmartFinancial declares $0.08 per share quarterly cash dividend

  Quarterly cash dividend of $0.08 per share on common stock.

• October 21, 2025, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 7.01item 9.01

  SmartFinancial Q3 net income $13.7M ($0.81 EPS); organic loan growth 10% annualized; $100M sub debt issued

  Net income $13.7M ($0.81 EPS) vs $9.1M ($0.54 EPS) in Q3 2024; operating EPS $0.86.

• September 8, 2025, 7:59 PM ET other material materiality 0.40 neutral item 8.01

  SmartBank sells SBK Insurance to Insuragent Purchaser; retains minority stake and strategic relationship

  SmartBank sold 100% of SBK Insurance equity to Insuragent Purchaser, LLC (Greater Sum Ventures portfolio company).

• August 20, 2025, 7:59 PM ET debt materiality 0.75 neutral item 1.01item 2.03item 7.01item 9.01 ◈ Debt Financings

  SmartFinancial issues $100M of 7.25% subordinated notes due 2035; to redeem up to $40M of 2028 notes

  Sold $100M aggregate principal of 7.25% Fixed-to-Floating Rate Subordinated Notes due 2035 at 100% of face value.

• July 24, 2025, 7:59 PM ET dividend materiality 0.20 neutral item 7.01item 9.01

  SmartFinancial declares $0.08 quarterly dividend, payable Aug 25, 2025

  Dividend of $0.08 per share, payable August 25, 2025 to holders of record August 8, 2025.

• July 21, 2025, 7:59 PM ET earnings materiality 0.70 positive item 2.02item 7.01item 9.01

  SmartFinancial Q2 net income $11.7M ($0.69 EPS), up 46% YoY; loan growth 13% annualized

  Net income $11.7M ($0.69 diluted EPS) vs $8.0M ($0.48) in Q2 2024, a 46% increase.

• May 30, 2025, 7:59 PM ET other materiality 0.25 neutral item 4.01item 9.01

  SmartFinancial dismisses Forvis Mazars, appoints Elliott Davis as new auditor

  Forvis Mazars dismissed as independent auditor on May 29, 2025, at Audit Committee direction.

• May 22, 2025, 7:59 PM ET other material materiality 0.50 neutral item 5.02item 5.07item 9.01

  SmartFinancial shareholders approve Omnibus Incentive Plan; 1.69M shares reserved

  1,690,000 shares reserved for issuance under newly approved Omnibus Incentive Plan.

• May 1, 2025, 7:59 PM ET debt materiality 0.40 neutral item 1.01item 2.03item 9.01

  SmartFinancial extends $35M revolving credit line with ServisFirst to May 2027

  Maturity date extended to May 1, 2027 under Third Amendment to Loan and Security Agreement.

• April 21, 2025, 7:59 PM ET earnings materiality 0.65 positive item 2.02item 7.01item 9.01

  SmartFinancial Q1 net income $11.3M, EPS $0.67; loan growth 9% annualized

  Net income of $11.3M ($0.67 diluted EPS) up from $9.4M ($0.55) in Q1 2024.

• March 27, 2025, 7:59 PM ET leadership materiality 0.30 neutral item 5.02item 9.01 ◈ executive_change

  SmartFinancial appoints Kelli D. Shomaker to board; board expands to 11 members

  Board of Directors increased from 10 to 11 members effective March 27, 2025.

• January 24, 2025, 6:59 PM ET debt materiality 0.20 neutral item 1.01item 2.03item 9.01

  SmartFinancial extends ServisFirst revolving note maturity to May 1, 2025

  Maturity of Amended & Restated Revolving Note extended from Feb 1, 2025 to May 1, 2025.

• January 21, 2025, 6:59 PM ET earnings materiality 0.70 positive item 2.02item 7.01item 9.01

  SmartFinancial Q4 net income $9.6M ($0.57 EPS); NIM expands 13 bps to 3.24%

  Net income $9.6M ($0.57 diluted EPS) vs $6.2M ($0.37) in Q4 2023; operating EPS also $0.57.

• December 6, 2024, 6:59 PM ET leadership materiality 0.25 neutral item 5.02

  SmartFinancial director John M. Presley resigns effective Jan 1, 2025

  John M. Presley notified Board of resignation effective Jan 1, 2025.

• October 28, 2024, 7:59 PM ET dividend materiality 0.25 neutral item 7.01item 9.01

  SmartFinancial declares $0.08 quarterly dividend payable Nov 27, 2024

  Quarterly cash dividend of $0.08 per share declared on October 25, 2024.

• October 21, 2024, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 7.01item 9.01

  SmartFinancial Q3 net income $9.1M ($0.54 EPS), up from $2.1M year ago; loan growth 16% annualized

  Net income of $9.1M ($0.54 diluted EPS) vs $2.1M ($0.12) in Q3 2023; operating EPS $0.54.

• July 25, 2024, 7:59 PM ET dividend materiality 0.50 neutral item 7.01item 9.01

  SmartFinancial declares $0.08 quarterly dividend, payable Aug 26

  Quarterly cash dividend of $0.08 per share declared by board on July 25, 2024.

• July 22, 2024, 7:59 PM ET earnings materiality 0.70 neutral item 2.02item 7.01item 9.01

  SmartFinancial Q2 net income $8.0M ($0.48 EPS); loan growth 11% annualized, margin expands to 2.97%

  Net income $8.0M ($0.48 diluted EPS) vs $8.8M ($0.52) YoY and $9.4M ($0.55) QoQ.

• May 28, 2024, 7:59 PM ET other materiality 0.15 neutral item 5.07

  SmartFinancial elects all 11 director nominees at annual meeting

  All 11 nominees elected; David A. Ogle received 31% withheld (3.5M of 11.3M votes cast).

• April 25, 2024, 7:59 PM ET dividend materiality 0.50 neutral item 7.01item 9.01

  SmartFinancial declares $0.08 quarterly dividend payable May 28, 2024

  Quarterly cash dividend of $0.08 per share declared by board on April 25, 2024.

• April 22, 2024, 7:59 PM ET earnings materiality 0.60 neutral item 2.02item 7.01item 9.01 ◈ Earnings Releases

  SmartFinancial Q1 net income $9.4M ($0.55 EPS); loan growth 4% annualized

  Net income $9.4M ($0.55 diluted EPS) vs $11.5M ($0.68) Q1 2023; operating EPS $0.49.

Executive changes

Earnings & guidance

Materiality & sentiment trend

Max materiality 0.75 · Median 0.50 · Most common event earnings

9 positive 0 negative 19 neutral

source · SMBK on sec.gov