---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-23-016631"
form_type: "8-K"
ticker: "SMBC"
cik: "0000916907"
company_name: "SOUTHERN MISSOURI BANCORP, INC."
filed_at: "2023-10-23T23:59:59+00:00"
generated_at: "2026-06-09T17:53:36.095979+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# SMBC Q1 net income $13.2M (+36.9%); diluted EPS $1.16, up 11.5% YoY

## Summary
- Net income $13.2M ($1.16 diluted EPS), up from $9.7M ($1.04) in prior-year quarter.
- Net interest income $35.4M (+24.2% YoY); net interest margin 3.44% vs 3.65%.
- Noninterest expense $23.7M (+40.1% YoY) due to Citizens merger; efficiency ratio 57.5%.
- Quarterly dividend reiterated at $0.21/share, payable Nov 30, 2023 to holders of record Nov 15, 2023.
- Gross loans grew $80.8M in Q1 to $3.7B; nonperforming loans dropped to 0.16% of gross loans.

## SEC filing metadata
- accession: 0001558370-23-016631
- form_type: 8-K
- ticker: SMBC
- cik: 0000916907
- company_name: SOUTHERN MISSOURI BANCORP, INC.
- filed_at: 2023-10-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/916907/000155837023016631/0001558370-23-016631-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/916907/000155837023016631/smbc-20231023x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-23-016631
- JSON: https://secwatch.observer/filing/0001558370-23-016631.json
- Plain text: https://secwatch.observer/filing/0001558370-23-016631.txt

## Key facts
- Earnings Releases
  SOUTHERN MISSOURI BANCORP, INC. reported first quarter of fiscal 2024 results: net income preliminary net income for the first quarter of fiscal 2024 of $13.2 million, EPS $1.16 per fully diluted common share for the first quarter of fiscal 2024.
  - Period: first quarter of fiscal 2024
  - Net income: preliminary net income for the first quarter of fiscal 2024 of $13.2 million
  - EPS: $1.16 per fully diluted common share for the first quarter of fiscal 2024
  - 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 first quarter of fiscal 2024 of $13.2 million
  evidence_url: https://www.sec.gov/Archives/edgar/data/916907/000155837023016631/0001558370-23-016631-index.htm

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