About SmartFinancial, Inc. Billy Carroll President and Chief Executive Officer SmartFinancial, Inc. Email: billy.carroll@smartbank.com Phone: 865.868.0613 SmartFinancial plans to issue its earnings release for the second quarter of 2024 on Monday, July 22, 2024, and will host a conference call on Tuesday, July 23, 2024, at 10:00 a.m. ET. To access this interactive teleconference, dial (833) 470-1428 or (404) 975-4839 and enter the access code, 533803. A replay of the conference call will be available throug ...

Conference call materials (earnings release & conference call presentation) will be published on the company's webpage located at http://www.smartfinancialinc.com/CorporateProfile, at 9:00 a.m. ET prior to the morning of the conference call. Investor Contacts SmartFinancial plans to issue its earnings release for the second quarter of 2024 on Monday, July 22, 2024, and will host a conference call on Tuesday, July 23, 2024, at 10:00 a.m. ET. To access this interactive teleconference, dial (833) 470-1428 or ( ...

Table of Contents United States Securities and Exchange Commission Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission File Number: 001-37661 (Exact name of registrant as specified in its charter) Tennessee 62-1173944 (State o ...

SmartFinancial, Inc. (NYSE:SMBK) Q1 2024 Earnings Conference Call April 23, 2024 10:00 AM ET Company Participants Nate Strall - Head of Investor Relations Miller Welborn - Chairman Billy Carroll - President and Chief Executive Officer Rhett Jordan - Executive VP and Chief Credit Officer of SmartBank Ron Gorczynski - Executive Vice President, Chief Financial Officer Conference Call Participants Will Jones - KBW Thomas Wendler - Stephens Feddie Strickland - Janney Montgomery Steve Moss - Raymond James Operato ...

$ in Thousands, unless otherwise indicated CONTACT 423.385.3067 Miller.Welborn@smartbank.com 29 $7,253 $8,360 $- $2, 000 $4, 000 $6, 000 $8, 000 $10, 000 $12, 000 $14, 000 $ in Thousands 1) Operating Earnings, Operating Diluted EPS, Operating PPNR, Operating ROAA, Operating ROATCE, and Tangible Book Value Per Share are all Non-GAAP financial measures. For a reconciliation of Non-GAAP financial measures to their most directly comparable GAAP measures, see the Appendix "WOW" July 1, 2022 to July 1, 2023 1.1% ...

Exhibit 99.1 1Q 2024 SmartFinancial Announces Results for the First Quarter 2024 KNOXVILLE, TN – April 22, 2024 - SmartFinancial, Inc. ("SmartFinancial" or the "Company"; NYSE: SMBK), today announced net income of $9.4 million, or $0.55 per diluted common share, for the first quarter of 2024, compared to net income of $11.5 million, or $0.68 per diluted common share, for the first quarter of 2023, and compared to prior quarter net income of $6.2 million, or $0.37 per diluted common share. Operating earnings ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For transition period from __________ to __________ Commission File Number: 001-37661 (Exact name of registrant as specified in its charter) Tennessee 62-1173944 (State or other jurisdict ...

SmartFinancial, Inc. (NYSE:SMBK) Q4 2023 Earnings Conference Call January 23, 2024 10:00 AM ET Company Participants Nate Strall - Vice President, Director of Strategy and Corporate Development Miller Welborn - Chairman Billy Carroll - President and Chief Executive Officer Rhett Jordan - Chief Credit Officer Ron Gorczynski - Executive Vice President, Chief Financial Officer Conference Call Participants Stephen Scouten - Piper Sandler Matt Olney - Stephens Feddie Strickland - Janney Montgomery Brett Rabatin - ...

| --- | --- | --- | --- | --- | |-----------------------------------------------------------------------------------------------------------------|-------|-------|-------|-------| | | | | | | | | | | | | | INVESTOR CALL | | | | | | 4Q 2023 January 23, 2024, 10:00am ET Webcast: www.smartbank.com (Investor Relations) Audio Only: 1-833-470-1428 | | | | | | Access Code: 197280 Miller Welborn Chairman of the Board Billy Carroll President & CEO Ron Gorczynski CFO | | | | | | | | | | | | | | | | | DISCLOSURES Forw ...

Table of Contents United States Securities and Exchange Commission Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission File Number: 001-37661 (Exact name of registrant as specified in its charter) Tennessee 62-1173944 (Sta ...