SMARTFINANCIAL INC. 8-K

What Happened

• SmartFinancial, Inc. issued a press release on January 20, 2026 reporting its financial results for the quarter ended December 31, 2025 (Item 2.02). The full results and figures are included in the attached press release (Exhibit 99.1).
• The company also filed an investor slide presentation that it intends to review in conjunction with its earnings release conference call on January 21 (per the filing) (Item 7.01). Both documents were included as exhibits to the Form 8-K.

Key Details

• Press release announcing fourth-quarter 2025 financial results dated January 20, 2026 (Exhibit 99.1).
• Investor presentation for Q4 2025 attached as Exhibit 99.2; intended for review with the earnings call on January 21 (date as stated in the filing).
• Form 8-K was signed by William Y. Carroll, Jr., President & Chief Executive Officer.
• Inline XBRL cover page file included as Exhibit 104.

Why It Matters

• The press release and slides are the primary sources of SmartFinancial’s latest quarterly earnings and management commentary—important for evaluating recent performance, trends, and near-term outlook.
• The investor presentation and the scheduled call give retail investors an opportunity to hear management’s explanation of results and any operational or strategic updates.
• Investors should read the attached press release and presentation (Exhibits 99.1 and 99.2) for the specific financial metrics (revenue, net income, EPS, and guidance) needed to assess the company’s quarter.