---
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"
generated_at: "2026-05-15T04:46:16.959412+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Southern Missouri Bancorp reports Q3 FY2026 EPS $1.60, up 15.1% YoY; declares $0.25 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- 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/916907/000110465926046973/0001104659-26-046973-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/916907/000110465926046973/smbc-20260421x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-046973
- JSON: https://secwatch.observer/filing/0001104659-26-046973.json
- Plain text: https://secwatch.observer/filing/0001104659-26-046973.txt

## Key facts
- Earnings Releases
  SOUTHERN MISSOURI BANCORP, INC. reported third quarter of fiscal 2026 results: net income $17.8 million, EPS $1.60 per fully diluted common share.
  - Period: third quarter of fiscal 2026
  - Net income: $17.8 million
  - EPS: $1.60 per fully diluted common share
  - Result: preliminary results
  source text: preliminary net income for the third quarter of fiscal 2026 of $17.8 million
  evidence_url: https://www.sec.gov/Archives/edgar/data/916907/000110465926046973/0001104659-26-046973-index.htm

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