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        <filerInfo>
            <filer>
                <filerCredentials>
                    <cik>0001721614</cik>
                    <ccc>XXXXXXXX</ccc>
                </filerCredentials>
            </filer>
            <liveTestFlag>LIVE</liveTestFlag>



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    <formData>
        <issuerInfo>
            <issuerCik>0001038773</issuerCik>
            <issuerName>SmartFinancial, Inc.</issuerName>
            <secFileNumber>001-37661</secFileNumber>
            <issuerAddress>
                <ns2:street1>5401 Kingston Pike</ns2:street1>
                <ns2:street2>Suite 600</ns2:street2>
                <ns2:city>Knoxville</ns2:city>
                <ns2:stateOrCountry>TN</ns2:stateOrCountry>
                <ns2:zipCode>37919</ns2:zipCode>
            </issuerAddress>
            <issuerContactPhone>865-437-5700</issuerContactPhone>
            <nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>SUSAN R TUCKER</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
            <relationshipsToIssuer>
                <relationshipToIssuer>Director</relationshipToIssuer>
            </relationshipsToIssuer>
        </issuerInfo>
        <securitiesInformation>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <brokerOrMarketmakerDetails>
                <name>Morgan Stanley Smith Barney LLC Executive Financial Services</name>
                <address>
                    <ns2:street1>1 New York Plaza</ns2:street1>
                    <ns2:street2>8th Floor</ns2:street2>
                    <ns2:city>New York</ns2:city>
                    <ns2:stateOrCountry>NY</ns2:stateOrCountry>
                    <ns2:zipCode>10004</ns2:zipCode>
                </address>
            </brokerOrMarketmakerDetails>
            <noOfUnitsSold>6730</noOfUnitsSold>
            <aggregateMarketValue>223059.79</aggregateMarketValue>
            <noOfUnitsOutstanding>16924150</noOfUnitsOutstanding>
            <approxSaleDate>11/05/2024</approxSaleDate>
            <securitiesExchangeName>NYSE</securitiesExchangeName>
        </securitiesInformation>
        <securitiesToBeSold>
            <securitiesClassTitle>COMMON</securitiesClassTitle>
            <acquiredDate>11/01/2017</acquiredDate>
            <natureOfAcquisitionTransaction>Merger/Acquisition</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>N/A</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>4250</amountOfSecuritiesAcquired>
            <paymentDate>11/01/2017</paymentDate>
            <natureOfPayment>Not Applicable</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>COMMON</securitiesClassTitle>
            <acquiredDate>03/13/2018</acquiredDate>
            <natureOfAcquisitionTransaction>Open Market Purchase</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>N/A</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>2480</amountOfSecuritiesAcquired>
            <paymentDate>03/13/2018</paymentDate>
            <natureOfPayment>Cash</natureOfPayment>
        </securitiesToBeSold>
        <nothingToReportFlagOnSecuritiesSoldInPast3Months>Y</nothingToReportFlagOnSecuritiesSoldInPast3Months>
        <noticeSignature>
            <noticeDate>11/05/2024</noticeDate>
            <planAdoptionDates/>
            <signature>/s/ Susan Tucker</signature>
        </noticeSignature>
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144
0001721614
XXXXXXXX
LIVE
0001038773
SmartFinancial, Inc.
001-37661
5401 Kingston Pike
Suite 600
Knoxville
TN
37919
865-437-5700
SUSAN R TUCKER
Director
Common
Morgan Stanley Smith Barney LLC Executive Financial Services
1 New York Plaza
8th Floor
New York
NY
10004
6730
223059.79
16924150
11/05/2024
NYSE
COMMON
11/01/2017
Merger/Acquisition
N/A
N
4250
11/01/2017
Not Applicable
COMMON
03/13/2018
Open Market Purchase
N/A
N
2480
03/13/2018
Cash
Y
11/05/2024
/s/ Susan Tucker