{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-085879","form_type":"8-K","ticker":"SMBC","cik":"0000916907","company_name":"SOUTHERN MISSOURI BANCORP, INC.","filed_at":"2026-07-22T21:07:03+00:00","discovered_at":"2026-07-22T21:08:00.317390+00:00","generated_at":"2026-07-22T21:08:15.024373+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Southern Missouri Bancorp Q4 net income $20.3M (+28.5% YoY); EPS $1.83; dividend raised to $0.27","bullets":["Q4 diluted EPS $1.83 vs $1.39 YoY; full-year EPS $6.43 vs $5.18 YoY.","Net interest margin 3.67% (up 20 bps YoY); efficiency ratio improved to 49.3% from 54.6%.","Dividend increased 8% to $0.27/share, payable Aug 31, 2026; 129th consecutive quarterly dividend.","Gross loans +7.1% YoY to $4.39B; deposits +3.0% to $4.41B; NPA ratio 0.64% vs 0.47% YoY.","Repurchased 317,000 shares in FY2026 at avg $58.59; tangible book value per share $47.43 (+13.3% YoY)."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-085879","json":"https://secwatch.observer/filing/0001104659-26-085879.json","markdown":"https://secwatch.observer/filing/0001104659-26-085879.md","text":"https://secwatch.observer/filing/0001104659-26-085879.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/916907/000110465926085879/0001104659-26-085879-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/916907/000110465926085879/smbc-20260721x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-22T21:08:15.024373+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"}