UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

__________________________________

FORM 8-K

_________________________________

CURRENT REPORT

Pursuant to Section 13 ORor 15(d) of ~~the~~The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): ~~January 25~~ April 19, 2024

Summit Financial Group, Inc.

(Exact name of registrant as specified in its charter)

West Virginia	0-16587	55-0672148
(State or other jurisdiction of	(Commission File Number)	(IRS Employer
incorporation or organization)		Identification No.)

West Virginia
(State or other jurisdiction
of incorporation)

No. 0-16587

(Commission File Number)

55-0672148

(IRS Employer
Identification No.)

300 North Main Street
Moorefield West Virginia		26836
(Address of principal executive offices)		(Zip Code)

300 North Main Street, Moorefield, West Virginia 26836

(~~304~~Address of principal executive offices)~~530-1000~~ (Zip Code)

(Registrant'’s telephone number, including area code: (304) 530-1000

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Trading symbol(s)	Name of each exchange on which registered	~~Trading Symbol(s)~~			~~Name of each exchange on which registered~~
Common Stock, Par Value $2.50 per share	SMMF	NASDAQ Global Select Market	~~SMMF~~			~~NASDAQ Global Select Market~~

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 28.~~02.~~01 ~~Results~~Other ~~of Operations and Financial Condition~~Events.

On ~~January 25~~April 19, 2024, Summit Financial Group, Inc. (“Summit”) ~~issued~~announced athe ~~News~~receipt ~~Release~~of ~~announcing~~all ~~its~~required ~~earnings~~regulatory ~~for~~approvals or waivers necessary to complete the ~~three~~previously ~~months~~announced merger of Summit with and ~~year ended~~into ~~December~~Burke 31& Herbert Financial Services Corp. The merger is expected to close on May 3, ~~2023~~2024, pending satisfaction of customary closing conditions. ~~This~~A ~~News~~copy ~~Release~~of the press release is ~~furnished~~attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits.

Exhibit Number	Description
99.1	~~News~~Joint Press Release issued on ~~January~~April 2519, 2024
104	Cover Page Interactive Data File (Embedded within the Inline XBRL document)

Forward-Looking Statements

This report on Form 8-K contains comments or information that constitute forward-looking statements (within the meaning of the Private Securities Litigation Act of 1995) that are based on current expectations that involve a number of risks and uncertainties. Words such as “expects”, “anticipates”, “believes”, “estimates” and other similar expressions or future or conditional verbs such as “will”, “should”, “would” and “could” are intended to identify such forward-looking statements.

Although we believe the expectations reflected in such forward-looking statements are reasonable, actual results may differ materially. Factors that might cause such a difference include: the effect of pandemics, including the negative impacts and disruptions on the communities we serve, and the domestic and global economy, which may have an adverse effect on our business; current and future economic and market conditions, including the effects of declines in housing prices, high unemployment rates, U.S. fiscal debt, budget and tax matters, geopolitical matters, and any slowdown in global economic growth; fiscal and monetary policies of the Federal Reserve; future provisions for credit losses on loans and debt securities; changes in nonperforming assets; changes in interest rates and interest rate relationships; demand for products and services; the degree of competition by traditional and non-traditional competitors; the successful integration of operations of our acquisitions; changes in banking laws and regulations; changes in tax laws; the impact of technological advances; the outcomes of contingencies; trends in customer behavior as well as their ability to repay loans; changes in the national and local economies, the impact of natural disasters, extreme weather events, military conflict (including the Russia/Ukraine conflict, the conflict in Israel and surrounding areas, the possible expansion of such conflicts and potential geopolitical consequences), terrorism or other geopolitical events; delays in completing the pending merger of Summit and Burke & Herbert, the possibility that the anticipated benefits of the merger are not realized when expected or at all, corporate strategies or objectives, including the impact of certain actions and initiatives, anticipated trends in Summit's business, regulatory developments, estimated synergies, cost savings and financial benefits of completed transactions, growth strategies, the inability to realize cost savings or improved revenues or to implement integration plans and other consequences associated with the proposed merger; and the other factors discussed in the “Risk Factors” section of Summit’s Annual Report on Form 10–K for the year ended December 31, 2023 and other reports Summit files with the SEC. We undertake no obligation to revise these statements following the date of this press release.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the ~~Registrant~~registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	~~SUMMIT FINANCIAL GROUP, INC.~~	SUMMIT FINANCIAL GROUP, INC.
Date: January 25, 2024	By: /s/ Julie R. Markwood
Date: April 19, 2024		By: /s/ Julie R. Markwood
	~~Julie R. Markwood~~	Julie R. Markwood
	~~Executive Vice President and Chief Accounting Officer~~	Executive Vice President and Chief Accounting Officer

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