secwatch.observer — SEC 8-K summary
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Issuer:     SOUTHERN MISSOURI BANCORP, INC. (SMBC)
CIK:        0000916907
Form:       8-K
Filed at:   2026-07-22T21:07:03+00:00
Accession:  0001104659-26-085879
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/916907/000110465926085879/0001104659-26-085879-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/916907/000110465926085879/smbc-20260721x8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-26-085879

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