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>271350.00</aggregateMarketValue>
        <noOfUnitsOutstanding>17004092</noOfUnitsOutstanding>
        <approxSaleDate>11/07/2024</approxSaleDate>
        <securitiesExchangeName>NYSE</securitiesExchangeName>
      </securitiesInformation>
      <securitiesToBeSold>
        <securitiesClassTitle>Common</securitiesClassTitle>
        <acquiredDate>03/26/2020</acquiredDate>
        <natureOfAcquisitionTransaction>Stock Award</natureOfAcquisitionTransaction>
        <nameOfPersonfromWhomAcquired>Smartfinancial Inc</nameOfPersonfromWhomAcquired>
        <isGiftTransaction>N</isGiftTransaction>
        <amountOfSecuritiesAcquired>872</amountOfSecuritiesAcquired>
        <paymentDate>03/26/2020</paymentDate>
        <natureOfPayment>compensation </natureOfPayment>
      </securitiesToBeSold>
      <securitiesToBeSold>
        <securitiesClassTitle>Common</securitiesClassTitle>
        <acquiredDate>07/01/2021</acquiredDate>
        <natureOfAcquisitionTransaction>Stock Award</natureOfAcquisitionTransaction>
        <nameOfPersonfromWhomAcquired>Smartfinancial Inc</nameOfPersonfromWhomAcquired>
        <isGiftTransaction>N</isGiftTransaction>
        <amountOfSecuritiesAcquired>6041</amountOfSecuritiesAcquired>
        <paymentDate>07/01/2021</paymentDate>
        <natureOfPayment>compensation </natureOfPayment>
      </securitiesToBeSold>
      <securitiesToBeSold>
        <securitiesClassTitle>Common</securitiesClassTitle>
        <acquiredDate>08/01/2019</acquiredDate>
        <natureOfAcquisitionTransaction>Purchase</natureOfAcquisitionTransaction>
        <nameOfPersonfromWhomAcquired>Market Purchase</nameOfPersonfromWhomAcquired>
        <isGiftTransaction>N</isGiftTransaction>
        <amountOfSecuritiesAcquired>587</amountOfSecuritiesAcquired>
        <paymentDate>08/01/2019</paymentDate>
        <natureOfPayment>cash</natureOfPayment>
      </securitiesToBeSold>
      <nothingToReportFlagOnSecuritiesSoldInPast3Months>Y</nothingToReportFlagOnSecuritiesSoldInPast3Months>
      <noticeSignature>
        <noticeDate>11/07/2024</noticeDate>
        <signature>/s/ Audrey Skillern as a duly authorized representative of Fidelity Brokerage Services LLC, as attorney-in-fact for JOHN M 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
  271350.00
  17004092
  11/07/2024
  NYSE
  Common
  03/26/2020
  Stock Award
  Smartfinancial Inc
  N
  872
  03/26/2020
  compensation
  Common
  07/01/2021
  Stock Award
  Smartfinancial Inc
  N
  6041
  07/01/2021
  compensation
  Common
  08/01/2019
  Purchase
  Market Purchase
  N
  587
  08/01/2019
  cash
  Y
  11/07/2024
  /s/ Audrey Skillern as a duly authorized representative of Fidelity Brokerage Services LLC, as attorney-in-fact for JOHN M PRESLEY