---
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"
generated_at: "2026-10-21T20:56:18.403372+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Southern Missouri Bancorp Q1 FY2027 EPS $1.73, net income $19.1M (+22% YoY); dividend $0.27

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-117871
- JSON: https://secwatch.observer/filing/0001104659-26-117871.json
- Plain text: https://secwatch.observer/filing/0001104659-26-117871.txt

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