{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-117871","form_type":"8-K","ticker":"SMBC","cik":"0000916907","company_name":"SOUTHERN MISSOURI BANCORP, INC.","filed_at":"2026-10-21T20:55:15+00:00","discovered_at":"2026-10-21T20:56:10.035521+00:00","generated_at":"2026-10-21T20:56:18.403372+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Southern Missouri Bancorp Q1 FY2027 EPS $1.73, net income $19.1M (+22% YoY); dividend $0.27","bullets":["Net income $19.1M, up $3.4M or 22.0% YoY; diluted EPS $1.73, up $0.35 or 25.4% YoY but down $0.10 (5.5%) from Q4 FY2026.","Net interest income $45.9M (+8.3% YoY); NIM 3.70% vs 3.57% a year ago; ROA 1.44% and ROE 12.7%.","Gross loans $4.46B, up $63.9M (1.5%) QoQ and 6.3% YoY; deposits $4.47B, up $66.1M (1.5%) QoQ and 4.5% YoY.","PCL $3.0M vs $4.5M year ago; NPLs 0.60% of gross loans; ACL 1.31% of gross loans and 218.6% of NPLs.","Declared $0.27 quarterly dividend, payable Nov 30, 2026 to holders of record Nov 13; 130th consecutive quarterly dividend; repurchased 19,000 shares at avg $72.63 for $1.4M."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-117871","json":"https://secwatch.observer/filing/0001104659-26-117871.json","markdown":"https://secwatch.observer/filing/0001104659-26-117871.md","text":"https://secwatch.observer/filing/0001104659-26-117871.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/916907/000110465926117871/0001104659-26-117871-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/916907/000110465926117871/smbc-20261020x8k.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-21T20:56:18.403372+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"}