{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-23-012157","form_type":"8-K","ticker":"SMBC","cik":"0000916907","company_name":"SOUTHERN MISSOURI BANCORP, INC.","filed_at":"2023-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:37.018280+00:00","generated_at":"2026-06-13T04:41:52.420981+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"SMBC reports Q4 net income up 18.9% to $15.6M; diluted EPS $1.37 vs $1.41 YoY","bullets":["Diluted EPS of $1.37 for Q4 FY2023, down $0.04 YoY; full-year EPS $3.85 vs $5.21.","Net interest margin 3.60%, down 6 bps YoY but up 12 bps from Q3 linked quarter.","Noninterest income up 37.7% YoY; noninterest expense up 43.5% due to $829K merger charges.","Provision for credit losses $795K vs $240K YoY; nonperforming assets 0.26% of total assets.","Quarterly dividend maintained at $0.21 per share, payable Aug 31, 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-23-012157","json":"https://secwatch.observer/filing/0001558370-23-012157.json","markdown":"https://secwatch.observer/filing/0001558370-23-012157.md","text":"https://secwatch.observer/filing/0001558370-23-012157.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/916907/000155837023012157/0001558370-23-012157-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/916907/000155837023012157/smbc-20230724x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T04:41:52.420981+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":[{"claim_id":"3d03ae1448c78a9d4f3e9cd15f7b227466ea7c57","claim":"SOUTHERN MISSOURI BANCORP, INC. reported fiscal year 2023 results: net income $39.2 million, EPS $3.85.","evidence_excerpt":"For the full fiscal year 2023, preliminary net income of $39.2 million was a decrease of $7.9 million as compared to fiscal 2022, while diluted earnings per share for fiscal 2023 were $3.85, a decrease of $1.36 as compared to the $5.21 per fully diluted common share for fiscal 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/916907/000155837023012157/0001558370-23-012157-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fiscal year 2023"},{"label":"Net income","value":"$39.2 million"},{"label":"EPS","value":"$3.85"},{"label":"Result","value":"preliminary results"}],"fact_type":"earnings_release"},{"claim_id":"3fc0b27f5be7b7fae65f3d14fd6638b11c638e57","claim":"SOUTHERN MISSOURI BANCORP, INC. reported fourth quarter of fiscal 2023 results: net income $15.6 million, EPS $1.37 per fully diluted common share.","evidence_excerpt":"Southern Missouri Bancorp, Inc. (“Company”) (NASDAQ: SMBC), the parent corporation of Southern Bank (“Bank”), today announced preliminary net income for the fourth quarter of fiscal 2023 of $15.6 million, an increase of $2.5 million or 18.9%, as compared to the same period of the prior fiscal year.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/916907/000155837023012157/0001558370-23-012157-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth quarter of fiscal 2023"},{"label":"Net income","value":"$15.6 million"},{"label":"EPS","value":"$1.37 per fully diluted common share"},{"label":"Result","value":"preliminary results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}