Item 7.01 Regulation FD Disclosure.

On January 28, 2021, the board of directors of SmartFinancial, Inc. ("SmartFinancial") declared a quarterly cash dividend of $0.06 per share of SmartFinancial common stock (the "Dividend") payable on March 1, 2021, to shareholders of record as of the close of business on February 12, 2021. On January 28, 2021, SmartFinancial issued a press release announcing the Dividend. A copy of the press release is attached as Exhibit 99.1 hereto and incorporated herein by reference.

Item 9.01 Financial Statements and Exhibits

(d) EXHIBITS

99.1 Press Release issued by SmartFinancial, Inc., dated January 28, 2021

104Cover Page Interactive Data File (formatted as inline XBRL and contained in Exhibit 101)

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