SMBK SMARTFINANCIAL INC.

CIK 0001038773 50 ready 8-Ks latest July 20, 2026, 5:00 PM ET RSS · JSON

Activity: QUIET 0 filings / 30d vs 1 baseline

Ready 8-Ks 50

Latest filing July 20, 2026, 5:00 PM ET

Top materiality 0.80

Event mix earnings ×18 · dividend ×13 · other_material ×6

Sentiment 16 pos · 2 neg · 32 neu

Latest earnings reported 2026-Q1

Executive change recent →

Recent 8-K filings for SMBK

Highest-materiality recent filing

SmartFinancial Q4 2022 diluted EPS $0.77; operating EPS $0.76 beats prior year

January 23, 2023, 6:59 PM ET earnings materiality 0.80 positive item 2.02 item 7.01 item 9.01 ◈ Earnings Releases

Net income $13.0M ($0.77 diluted); operating earnings $12.9M ($0.76 diluted) up 48% YoY.
Organic loan growth $130.2M (17% annualized QoQ); net interest margin 3.51% (FTE) vs 3.29% prior Q.

Read filing →

July 20, 2026, 5:00 PM ET earnings materiality 0.75 positive item 2.02 item 7.01 item 9.01

SmartFinancial Q2 net income $16.3M, EPS $0.96, up 39% YoY; loan growth 15% annualized

Net income $16.3M ($0.96 diluted EPS) vs $11.7M ($0.69) in Q2 2025 and $13.7M ($0.81) in Q1 2026.
May 22, 2026, 5:00 PM ET other material materiality 0.15 neutral item 5.07 ◈ Shareholder Votes ×3

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 7.01 item 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 2.02 item 7.01 item 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 5.02 item 7.01 item 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 7.01 item 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 2.02 item 7.01 item 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 8.01 item 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 7.01 item 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 2.02 item 7.01 item 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 1.01 item 2.03 item 7.01 item 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 7.01 item 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 2.02 item 7.01 item 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 4.01 item 9.01 ◈ Auditor Changes ×2

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 5.02 item 5.07 item 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 1.01 item 2.03 item 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 2.02 item 7.01 item 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 5.02 item 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 1.01 item 2.03 item 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 2.02 item 7.01 item 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 7.01 item 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 2.02 item 7.01 item 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 7.01 item 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 2.02 item 7.01 item 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 7.01 item 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 2.02 item 7.01 item 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.
January 22, 2024, 6:59 PM ET earnings materiality 0.65 neutral item 2.02 item 7.01 item 9.01 ◈ Earnings Releases

SmartFinancial Q4 net income $6.2M ($0.37 EPS); operating EPS $0.41; loan growth 8% annualized

Net income $6.2M ($0.37 diluted EPS) vs $13.0M ($0.77) in Q4 2022; operating earnings $6.9M ($0.41).
November 28, 2023, 6:59 PM ET other material materiality 0.30 positive item 3.01 item 7.01 item 9.01

SmartFinancial to transfer stock listing from Nasdaq to NYSE on Dec 11, 2023

Last trading day on Nasdaq: Dec 8, 2023; first trading day on NYSE: Dec 11, 2023.
October 30, 2023, 7:59 PM ET dividend materiality 0.25 neutral item 7.01 item 9.01

SmartFinancial declares $0.08 quarterly dividend, payable Nov 27

Board declared $0.08 per share cash dividend on October 27, 2023.
October 23, 2023, 7:59 PM ET earnings materiality 0.75 negative item 2.02 item 7.01 item 9.01 ◈ Earnings Releases ×2

SmartFinancial Q3 net income $2.1M ($0.12 EPS); operating EPS $0.43; organic loan growth $42M

Net income $2.1M ($0.12 diluted EPS) vs $11.5M ($0.68) in Q3 2022 and $8.8M ($0.52) in Q2 2023.
September 27, 2023, 7:59 PM ET leadership materiality 0.40 neutral item 5.02 ◈ executive_change

SmartFinancial EVP & Chief Lending Officer Gregory Davis resigns effective Sept 29, 2023

Gregory L. Davis, EVP and Chief Lending Officer of SmartFinancial and SmartBank, resigned effective September 29, 2023.
July 27, 2023, 7:59 PM ET dividend materiality 0.20 neutral item 7.01 item 9.01

SmartFinancial declares $0.08 quarterly dividend, payable Aug 28, 2023

Quarterly cash dividend of $0.08 per share on SMBK common stock.
July 24, 2023, 7:59 PM ET earnings materiality 0.75 negative item 2.02 item 7.01 item 9.01 ◈ Earnings Releases

SmartFinancial Q2 operating EPS $0.52, down from $0.61 YoY; loan growth 7% annualized

Operating earnings $8.8M ($0.52 diluted EPS), vs $10.2M ($0.61) YoY and $11.5M ($0.68) prior Q.
May 26, 2023, 7:59 PM ET other material materiality 0.10 neutral item 5.07 ◈ Shareholder Votes ×3

SmartFinancial annual meeting elects 11 directors and ratifies FORVIS as auditor

81.11% of shares present; all 11 director nominees elected, including Cathy G. Ackermann and Victor L. Barrett.
April 27, 2023, 7:59 PM ET dividend materiality 0.30 neutral item 7.01 item 9.01

SmartFinancial declares $0.08 quarterly dividend, payable May 29, 2023

Quarterly cash dividend of $0.08 per share declared on April 27, 2023.
April 24, 2023, 7:59 PM ET earnings materiality 0.70 positive item 2.02 item 7.01 item 9.01 ◈ Earnings Releases

SmartFinancial Q1 net income $11.5M, EPS $0.68; operating earnings up 34% YoY

Operating earnings $11.5M ($0.68 diluted) vs $8.6M ($0.51) in Q1 2022, a 34% increase.
February 6, 2023, 6:59 PM ET debt materiality 0.40 neutral item 1.01 item 2.03 item 9.01 ◈ Debt Financings◈ Material Agreements

SmartFinancial increases credit line to $35M, extends maturity to 2025, reprices at Prime-0.65%

Revolving credit facility raised to $35M from $25M.
January 26, 2023, 6:59 PM ET dividend materiality 0.60 positive item 7.01 item 9.01

SmartFinancial hikes quarterly dividend 14% to $0.08 per share

Board declared $0.08/share quarterly cash dividend, a 14% increase from prior $0.07/share.
January 23, 2023, 6:59 PM ET earnings materiality 0.80 positive item 2.02 item 7.01 item 9.01 ◈ Earnings Releases

SmartFinancial Q4 2022 diluted EPS $0.77; operating EPS $0.76 beats prior year

Net income $13.0M ($0.77 diluted); operating earnings $12.9M ($0.76 diluted) up 48% YoY.
October 28, 2022, 7:59 PM ET dividend materiality 0.25 neutral item 7.01 item 9.01

SmartFinancial declares $0.07 quarterly dividend, payable Nov 29, 2022

Quarterly cash dividend of $0.07 per share declared on October 28, 2022.
October 24, 2022, 7:59 PM ET earnings materiality 0.75 positive item 2.02 item 7.01 item 9.01

SmartFinancial Q3 2022 operating EPS $0.69 beats prior quarters; net income $11.5M

Operating earnings of $11.6M ($0.69/diluted) up 13% QoQ and 17% YoY.
September 6, 2022, 7:59 PM ET M&A materiality 0.50 neutral item 1.01 item 7.01 item 9.01

SmartFinancial's Rains Agency acquires Sunbelt Group for $6.5M

Purchase price $6.5M; $5.2M cash at close, $1.3M deferred in equal installments in 2023 and 2024.
July 28, 2022, 7:59 PM ET dividend materiality 0.20 neutral item 7.01 item 9.01

SmartFinancial declares $0.07 quarterly dividend payable Aug 29, 2022

Quarterly cash dividend of $0.07 per share on common stock.
July 25, 2022, 7:59 PM ET earnings materiality 0.70 positive item 2.02 item 7.01 item 9.01

SmartFinancial Q2 2022 EPS $0.61, 30% annualized loan growth, NIM 3.08%

Net income of $10.2M ($0.61 GAAP EPS); operating earnings of $10.3M ($0.61) vs $9.1M ($0.60) in Q2 2021.
May 27, 2022, 7:59 PM ET other materiality 0.15 neutral item 5.07

SmartFinancial shareholders elect all 12 director nominees at 2022 annual meeting

All 12 nominees elected; votes for ranged from 6.998M to 9.686M; broker non-votes 3.339M.
April 28, 2022, 7:59 PM ET dividend materiality 0.30 neutral item 7.01 item 9.01

SmartFinancial declares $0.07 quarterly dividend payable May 31, 2022

Quarterly cash dividend of $0.07 per share declared on April 28, 2022.
April 25, 2022, 7:59 PM ET earnings materiality 0.65 neutral item 2.02 item 7.01 item 9.01

SmartFinancial Q1 EPS $0.49 GAAP, $0.51 operating; loan growth 21% ann.

Net income $8.3M ($0.49 diluted) vs $9.8M ($0.65) YoY; operating earnings $8.6M ($0.51).

Executive changes

Appointed

Kelli D. Shomaker

director

SMBK · SMARTFINANCIAL INC.

Effective: 2025-03-27
Filed: March 27, 2025, 7:59 PM ET

the Board of Directors appointed Kelli D. Shomaker as a director of SmartFinancial, effective immediately.

Departed

Gregory L. Davis

Executive Vice President and Chief Lending Officer

SMBK · SMARTFINANCIAL INC.

Effective: 2023-09-29
Filed: September 27, 2023, 7:59 PM ET

On September 21, 2023, Gregory L. Davis, Executive Vice President and Chief Lending Officer of SmartFinancial, Inc. (the “ Company ”) and the Company’s wholly-owned subsidiary, SmartBank, formally tendered his resignation to pursue a career outside of banking, effective September 29, 2023.

Appointed

Cathy G. Ackermann

Director

SMBK · SMARTFINANCIAL INC.

Effective: 2022-02-15
Filed: February 17, 2022, 6:59 PM ET

the Board of Directors appointed Cathy G. Ackermann as a director of SmartFinancial, effective immediately.

Appointed

John Presley

director

SMBK · SMARTFINANCIAL INC.

Effective: 2021-08-26
Filed: September 1, 2021, 7:59 PM ET

the Board of Directors appointed John Presley as a director of SmartFinancial, effective as of the closing of the Merger.

Earnings & guidance

2026-Q1 EPS reported $0.81 filing →

Materiality & sentiment trend

Max materiality 0.80 · Median 0.50 · Most common event earnings

16 positive 2 negative 32 neutral

source · SMBK on sec.gov