SMARTFINANCIAL, INC. Files 8-K on Financials

Ticker: SMBK · Form: 8-K · Filed: Oct 21, 2025 · CIK: 1038773

Sentiment: neutral

Topics: financial-condition, results-of-operations, exhibits

Related Tickers: SMBK

TL;DR

SMARTFINANCIAL, INC. (SMBK) filed an 8-K on Oct 21, 2025, detailing financial results. Keep an eye on their performance.

AI Summary

On October 21, 2025, SMARTFINANCIAL, INC. filed an 8-K report. The filing indicates the company's results of operations and financial condition, along with Regulation FD disclosures and financial statements. This is a routine filing for the company, which is incorporated in Tennessee and headquartered in Knoxville.

Why It Matters

This 8-K filing provides an update on SMARTFINANCIAL, INC.'s financial performance and condition, which is crucial information for investors to assess the company's health and make informed decisions.

Risk Assessment

Risk Level: low — This filing is a standard current report (8-K) detailing financial information and is not indicative of any immediate or unusual risks.

Key Players & Entities

FAQ

What is the primary purpose of this 8-K filing by SMARTFINANCIAL, INC.?

The primary purpose is to report on the company's Results of Operations and Financial Condition, along with Regulation FD Disclosure and Financial Statements and Exhibits.

When was the earliest event reported in this filing?

The earliest event reported in this filing was on October 21, 2025.

In which state is SMARTFINANCIAL, INC. incorporated?

SMARTFINANCIAL, INC. is incorporated in Tennessee.

What are the former names of SMARTFINANCIAL, INC. mentioned in the filing?

The former names mentioned are CORNERSTONE BANCSHARES INC and EAST RIDGE BANCSHARES INC.

What is the business address of SMARTFINANCIAL, INC.?

The business address is 5401 Kingston Pike, Suite 600, Knoxville, Tennessee 37919.

Filing Stats: 649 words · 3 min read · ~2 pages · Grade level 10.8 · Accepted 2025-10-21 17:06:35

Key Financial Figures

Filing Documents

02

Item 2.02 Results of Operations and Financial Condition. On October 21, 2025, SmartFinancial, Inc. ("SmartFinancial") issued a press release (the "Press Release") reporting earnings results for its third quarter ending September 30, 2025. A copy of the Press Release is attached hereto as Exhibit 99.1. In accordance with General Instructions B.2 of Form 8K, the information in Item 2.02 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.

01

Item 7.01 Regulation FD Disclosure. SmartFinancial is filing an investor slide presentation that it intends to review in conjunction with its earnings release conference call on October 22, 2025. The slides are attached hereto as Exhibit 99.2. In accordance with General Instructions B.2 of Form 8K, the information in Item 7.01 of this report (including Exhibit 99.2) shall not be deemed to be "filed" for purposes of Section 18 of 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.

Financial Statements and Exhibits

Financial Statements and Exhibits Exhibit No. Description 99.1 Press release announcing third quarter 2025 financial results dated October 21, 2025 99.2 Third quarter 2025 investor presentation 104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

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. SMARTFINANCIAL, INC. Date: October 21, 2025 /s/ William Y. Carroll, Jr. William Y. Carroll, Jr. President & Chief Executive Officer

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