# SMARTFINANCIAL INC. (SMBK) MD&A by fiscal year

Verbatim Item 7 Management's Discussion and Analysis sections from SMARTFINANCIAL INC.'s 10-K filings, one page per fiscal year. Extracted from SEC filings with the same bounded parser for every year. Filer text, not grepcent analysis or investment advice.

- [FY 2025 MD&A](/company/SMBK/mda/fy2025/): filed 2026-03-16; accession 0001104659-26-028542 (https://www.sec.gov/Archives/edgar/data/1038773/000110465926028542/smbk-20251231x10k.htm); latest 10-K
- [FY 2024 MD&A](/company/SMBK/mda/fy2024/): filed 2025-03-17; accession 0001558370-25-003135 (https://www.sec.gov/Archives/edgar/data/1038773/000155837025003135/smbk-20241231x10k.htm)
- [FY 2023 MD&A](/company/SMBK/mda/fy2023/): filed 2024-03-15; accession 0001558370-24-003429 (https://www.sec.gov/Archives/edgar/data/1038773/000155837024003429/smbk-20231231x10k.htm)
- [FY 2022 MD&A](/company/SMBK/mda/fy2022/): filed 2023-03-16; accession 0001558370-23-004042 (https://www.sec.gov/Archives/edgar/data/1038773/000155837023004042/smbk-20221231x10k.htm)
- [FY 2021 MD&A](/company/SMBK/mda/fy2021/): filed 2022-03-14; accession 0001558370-22-003570 (https://www.sec.gov/Archives/edgar/data/1038773/000155837022003570/smbk-20211231x10k.htm)

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