---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-24-000629"
form_type: "8-K"
ticker: "SMBC"
cik: "0000916907"
company_name: "SOUTHERN MISSOURI BANCORP, INC."
filed_at: "2024-01-30T23:59:59+00:00"
generated_at: "2026-06-06T15:38:37.468558+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# SMBC reports Q2 FY2024 net income $12.2M (+4.5%); diluted EPS $1.07 (-15.1% YoY)

## Summary
- Net income $12.2M vs $11.7M in Q2 FY2023; diluted EPS $1.07 vs $1.26.
- Net interest margin 3.25% vs 3.45% a year ago; net interest income up 22.1%.
- Quarterly dividend maintained at $0.21/share; payable Feb 29, 2024, record Feb 15.
- Noninterest expense up 35.3% from Citizens merger; efficiency ratio 58.5% vs 52.3%.
- Nonperforming loans fell to $5.9M (0.16% of loans) from $7.7M (0.21%) at June 30.

## SEC filing metadata
- accession: 0001558370-24-000629
- form_type: 8-K
- ticker: SMBC
- cik: 0000916907
- company_name: SOUTHERN MISSOURI BANCORP, INC.
- filed_at: 2024-01-30T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- 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/916907/000155837024000629/0001558370-24-000629-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/916907/000155837024000629/smbc-20240129x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-24-000629
- JSON: https://secwatch.observer/filing/0001558370-24-000629.json
- Plain text: https://secwatch.observer/filing/0001558370-24-000629.txt

## Key facts
- Earnings Releases
  SOUTHERN MISSOURI BANCORP, INC. reported second quarter of fiscal 2024 results: net income $12.2 million, EPS $1.07 per fully diluted common share.
  - Period: second quarter of fiscal 2024
  - Net income: $12.2 million
  - EPS: $1.07 per fully diluted common share
  - Result: preliminary results
  source text: On January 29, 2024, Southern Missouri Bancorp, Inc., the parent corporation of Southern Bank, issued a press release announcing preliminary second quarter of fiscal 2024 results, and reiterating its quarterly dividend of $0.21 per common share, and the timing of its investor conference call.
  evidence_url: https://www.sec.gov/Archives/edgar/data/916907/000155837024000629/0001558370-24-000629-index.htm

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