---
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"
generated_at: "2026-07-22T21:08:15.024373+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Southern Missouri Bancorp Q4 net income $20.3M (+28.5% YoY); EPS $1.83; dividend raised to $0.27

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-085879
- JSON: https://secwatch.observer/filing/0001104659-26-085879.json
- Plain text: https://secwatch.observer/filing/0001104659-26-085879.txt

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