SMBK

Business Context and Reporting Period

Company: SmartFinancial, Inc. (Ticker: SMBK)
Filing Type: Form 8-K (Current Report)
Date of Report: October 31, 2025
Reporting Period: This filing reports a specific corporate action (dividend declaration) rather than a full financial reporting period.

Key Financial Metrics

This filing does not contain comprehensive financial statements. The only specific financial metric disclosed is:

• Quarterly Cash Dividend: $0.08 per share of common stock.

Revenue, profit, cash flow, margins, debt, and liquidity figures are not provided in this document.

Material Changes

No material changes to financial performance or operations are reported in this filing. The document solely announces the Board of Directors' declaration of a quarterly dividend.

Guidance, Outlook, and Management Commentary

Dividend Details:

• Declaration Date: October 31, 2025
• Record Date: November 17, 2025
• Payment Date: December 2, 2025

Management Commentary: The filing references a press release issued on November 3, 2025, regarding the dividend but does not include additional management commentary, forward-looking guidance, or risk factors within the text of this 8-K.

Investor Verification Checklist

• Verify the dividend amount ($0.08) and payment schedule against the attached press release (Exhibit 99.1).
• Confirm shareholder eligibility based on the November 17, 2025, record date.
• Review the company's most recent 10-Q or 10-K for comprehensive financial performance data, as this 8-K does not provide revenue or earnings figures.