---
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"
generated_at: "2026-06-13T04:41:52.420981+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# SMBC reports Q4 net income up 18.9% to $15.6M; diluted EPS $1.37 vs $1.41 YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-23-012157
- JSON: https://secwatch.observer/filing/0001558370-23-012157.json
- Plain text: https://secwatch.observer/filing/0001558370-23-012157.txt

## Key facts
- Earnings Releases
  SOUTHERN MISSOURI BANCORP, INC. reported fiscal year 2023 results: net income $39.2 million, EPS $3.85.
  - Period: fiscal year 2023
  - Net income: $39.2 million
  - EPS: $3.85
  - Result: preliminary results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/916907/000155837023012157/0001558370-23-012157-index.htm
- Earnings Releases
  SOUTHERN MISSOURI BANCORP, INC. reported fourth quarter of fiscal 2023 results: net income $15.6 million, EPS $1.37 per fully diluted common share.
  - Period: fourth quarter of fiscal 2023
  - Net income: $15.6 million
  - EPS: $1.37 per fully diluted common share
  - Result: preliminary results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/916907/000155837023012157/0001558370-23-012157-index.htm

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