---
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"
generated_at: "2026-05-17T02:39:42.248773+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Southern Missouri Bancorp Q1 net income $15.7M, EPS $1.38, up 25.6% YoY; NIM expands to 3.57%

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-101604
- JSON: https://secwatch.observer/filing/0001104659-25-101604.json
- Plain text: https://secwatch.observer/filing/0001104659-25-101604.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.