content: <?xml version="1.0" encoding="UTF-8"?><edgarSubmission xmlns="http://www.sec.gov/edgar/ownership" xmlns:com="http://www.sec.gov/edgar/common">
    <headerData>
      <submissionType>144</submissionType>
      <filerInfo>
        <filer>
          <filerCredentials>
            <cik>0001251925</cik>
            <ccc>XXXXXXXX</ccc>
          </filerCredentials>
        </filer>
        <liveTestFlag>LIVE</liveTestFlag>
  
  
      </filerInfo>
    </headerData>
    <formData>
      <issuerInfo>
        <issuerCik>0001038773</issuerCik>
        <issuerName>SMARTFINANCIAL INC.</issuerName>
        <secFileNumber>001-37661</secFileNumber>
        <issuerAddress>
          <com:street1>5401 KINGSTON PIKE</com:street1>
          <com:street2>SUITE 600</com:street2>
          <com:city>KNOXVILLE</com:city>
          <com:stateOrCountry>TN</com:stateOrCountry>
          <com:zipCode>37919</com:zipCode>
        </issuerAddress>
        <issuerContactPhone>866-290-2554</issuerContactPhone>
        <nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>PRESLEY JOHN M</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
        <relationshipsToIssuer>
          <relationshipToIssuer>Director</relationshipToIssuer>
        </relationshipsToIssuer>
      </issuerInfo>
      <securitiesInformation>
        <securitiesClassTitle>Common Stock</securitiesClassTitle>
        <brokerOrMarketmakerDetails>
          <name>Fidelity Brokerage Services LLC</name>
          <address>
            <com:street1>245 Summer Street</com:street1>
            <com:city>Boston   </com:city>
            <com:stateOrCountry>MA</com:stateOrCountry>
            <com:zipCode>02110</com:zipCode>
          </address>
        </brokerOrMarketmakerDetails>
        <noOfUnitsSold>7500</noOfUnitsSold>
        <aggregateMarketValue>172500.00</aggregateMarketValue>
        <noOfUnitsOutstanding>17062704</noOfUnitsOutstanding>
        <approxSaleDate>05/29/2024</approxSaleDate>
        <securitiesExchangeName>NYSE</securitiesExchangeName>
      </securitiesInformation>
      <securitiesToBeSold>
        <securitiesClassTitle>Common Stock	</securitiesClassTitle>
        <acquiredDate>03/26/2020</acquiredDate>
        <natureOfAcquisitionTransaction>Stock Award</natureOfAcquisitionTransaction>
        <nameOfPersonfromWhomAcquired>SmartFinancial, Inc.</nameOfPersonfromWhomAcquired>
        <isGiftTransaction>N</isGiftTransaction>
        <amountOfSecuritiesAcquired>7500</amountOfSecuritiesAcquired>
        <paymentDate>03/26/2020</paymentDate>
        <natureOfPayment>N/A</natureOfPayment>
      </securitiesToBeSold>
      <nothingToReportFlagOnSecuritiesSoldInPast3Months>Y</nothingToReportFlagOnSecuritiesSoldInPast3Months>
      <remarks>Shares are being sold from JOHN M. AND AMY S. PRESLEY LIVING TRUST account. </remarks>
      <noticeSignature>
        <noticeDate>05/29/2024</noticeDate>
        <signature>/s/ Myra King, as a duly authorized representative of Fidelity Brokerage Services LLC, as attorney-in-fact for John Presley</signature>
      </noticeSignature>
    </formData>
  </edgarSubmission>
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text: 144
  0001251925
  XXXXXXXX
  LIVE
  0001038773
  SMARTFINANCIAL INC.
  001-37661
  5401 KINGSTON PIKE
  SUITE 600
  KNOXVILLE
  TN
  37919
  866-290-2554
  PRESLEY JOHN M
  Director
  Common Stock
  Fidelity Brokerage Services LLC
  245 Summer Street
  Boston
  MA
  02110
  7500
  172500.00
  17062704
  05/29/2024
  NYSE
  Common Stock
  03/26/2020
  Stock Award
  SmartFinancial, Inc.
  N
  7500
  03/26/2020
  N/A
  Y
  Shares are being sold from JOHN M. AND AMY S. PRESLEY LIVING TRUST account.
  05/29/2024
  /s/ Myra King, as a duly authorized representative of Fidelity Brokerage Services LLC, as attorney-in-fact for John Presley