secwatch.observer — SEC 8-K summary
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Issuer:     SOUTHERN MISSOURI BANCORP, INC. (SMBC)
CIK:        0000916907
Form:       8-K
Filed at:   2025-10-23T23:59:59+00:00
Accession:  0001104659-25-101604
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/916907/000110465925101604/0001104659-25-101604-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/916907/000110465925101604/smbc-20251022x8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-25-101604

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