{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-101604","form_type":"8-K","ticker":"SMBC","cik":"0000916907","company_name":"SOUTHERN MISSOURI BANCORP, INC.","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.596969+00:00","generated_at":"2026-05-17T02:39:42.248773+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Southern Missouri Bancorp Q1 net income $15.7M, EPS $1.38, up 25.6% YoY; NIM expands to 3.57%","bullets":["Net income $15.7M (+25.6% YoY); diluted EPS $1.38 vs $1.10; NIM 3.57% (+23 bps).","Loan balances grew $91.2M (2.2%) during the quarter; deposits flat. Tangible book value $43.35 (+13.3% YoY).","PCL increased to $4.5M (from $2.2M); NPLs $26.0M (0.62% of loans) vs $23.0M; net charge-offs $3.7M including $2.8M CRE charge-off.","Dividend maintained at $0.25/share, payable Nov 28, 2025 to record Nov 14, 2025 (126th consecutive).","Company repurchased 8,145 shares at avg $54.84; efficiency ratio improved to 51.1% from 59.0%."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-101604","json":"https://secwatch.observer/filing/0001104659-25-101604.json","markdown":"https://secwatch.observer/filing/0001104659-25-101604.md","text":"https://secwatch.observer/filing/0001104659-25-101604.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/916907/000110465925101604/0001104659-25-101604-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/916907/000110465925101604/smbc-20251022x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:39:42.248773+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}