---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-23-000707"
form_type: "8-K"
ticker: "SMBC"
cik: "0000916907"
company_name: "SOUTHERN MISSOURI BANCORP, INC."
filed_at: "2023-01-31T23:59:59+00:00"
generated_at: "2026-06-20T06:14:54.741395+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Southern Missouri Bancorp Q2 FY2023 EPS $1.26, down 6.7% YoY; dividend $0.21

## Summary
- Preliminary net income $11.7M ($1.26 diluted EPS), down 2.7% YoY but up 21.2% from linked quarter.
- Net interest margin 3.45% vs 3.77% prior year; net interest income up 12.7% to $28.3M.
- Provision for credit losses $1.1M (vs $0 prior year); NPAs $6.6M or 0.19% of assets.
- Quarterly dividend of $0.21 per share declared, payable Feb 28, 2023 to record Feb 15, 2023.
- Completed merger with Citizens Bancshares; pro forma combined assets ~$4.4B, deposits $3.8B.

## SEC filing metadata
- accession: 0001558370-23-000707
- form_type: 8-K
- ticker: SMBC
- cik: 0000916907
- company_name: SOUTHERN MISSOURI BANCORP, INC.
- filed_at: 2023-01-31T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/916907/000155837023000707/0001558370-23-000707-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/916907/000155837023000707/smbc-20230130x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-23-000707
- JSON: https://secwatch.observer/filing/0001558370-23-000707.json
- Plain text: https://secwatch.observer/filing/0001558370-23-000707.txt

## Key facts
- Earnings Releases
  SOUTHERN MISSOURI BANCORP, INC. reported the second quarter of fiscal 2023 results: net income $11.7 million, EPS $1.26 per fully diluted common share.
  - Period: the second quarter of fiscal 2023
  - Net income: $11.7 million
  - EPS: $1.26 per fully diluted common share
  - Result: preliminary results
  source text: Poplar Bluff, Missouri - Southern Missouri Bancorp, Inc. (“Company”) (NASDAQ: SMBC), the parent corporation of Southern Bank (“Bank”), today announced preliminary net income for the second quarter of fiscal 2023 of $11.7 million, a decrease of $321,000, or 2.7%, as compared to the same period of the prior fiscal year. The decrease was attributable to increases in noninterest expense and provision for credit losses, partially offset by increases in net interest income and noninterest income, and a decrease in provision for income taxes. Preliminary net income was $1.26 per fully diluted common share for the second quarter of fiscal 2023, a decrease of $.09 as compared to the $1.35 per fully diluted common share reported for the same period of the prior fiscal year.
  evidence_url: https://www.sec.gov/Archives/edgar/data/916907/000155837023000707/0001558370-23-000707-index.htm

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