{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-046973","form_type":"8-K","ticker":"SMBC","cik":"0000916907","company_name":"SOUTHERN MISSOURI BANCORP, INC.","filed_at":"2026-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.931475+00:00","generated_at":"2026-05-15T04:46:16.959412+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 reports Q3 FY2026 EPS $1.60, up 15.1% YoY; declares $0.25 dividend","bullets":["Net income $17.8M, diluted EPS $1.60 vs $1.39 a year ago (up 15.1%).","Net interest margin 3.67% vs 3.44% a year ago; net interest income up 9.3% YoY.","Provision for credit losses $2.1M, up $1.1M YoY, driven by agriculture loan reserves.","Dividend declared $0.25 per share, payable May 29, 2026 to record May 15, 2026.","Nonperforming assets 0.62% of total assets vs 0.47% at June 30, 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-046973","json":"https://secwatch.observer/filing/0001104659-26-046973.json","markdown":"https://secwatch.observer/filing/0001104659-26-046973.md","text":"https://secwatch.observer/filing/0001104659-26-046973.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/916907/000110465926046973/0001104659-26-046973-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/916907/000110465926046973/smbc-20260421x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:46:16.959412+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":[{"claim_id":"852edd8ffca7214c51986b1e63372d9218e04b37","claim":"SOUTHERN MISSOURI BANCORP, INC. reported third quarter of fiscal 2026 results: net income $17.8 million, EPS $1.60 per fully diluted common share.","evidence_excerpt":"preliminary net income for the third quarter of fiscal 2026 of $17.8 million","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/916907/000110465926046973/0001104659-26-046973-index.htm","confidence":0.99,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter of fiscal 2026"},{"label":"Net income","value":"$17.8 million"},{"label":"EPS","value":"$1.60 per fully diluted common share"},{"label":"Result","value":"preliminary results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}