Item 7.01 Regulation FD Disclosure.

On January 23, 2020, the board of directors of SmartFinancial, Inc. ("SmartFinancial") declared a quarterly cash dividend of $0.05 per share of SmartFinancial common stock (the "Dividend") payable on February 21, 2020, to shareholders of record as of the close of business on February 7, 2020. On January 23, 2020, 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 23, 2019

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