{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-010311","form_type":"8-K","ticker":"SMBC","cik":"0000916907","company_name":"SOUTHERN MISSOURI BANCORP, INC.","filed_at":"2024-07-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:16.342785+00:00","generated_at":"2026-05-31T15:34:31.567570+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Southern Missouri Bancorp Q4 net income down 13% to $13.5M; raises dividend 9.5% to $0.23","bullets":["Diluted EPS $1.19, down 13.1% YoY from $1.37; full-year FY2024 EPS $4.42, up from $3.85.","Net interest margin 3.25% (down 35 bp YoY, up 10 bp linked quarter); net interest income $35.1M.","Gross loans grew $78.6M in Q4 and $230.9M in FY2024; deposits fell $43.1M in Q4 due to seasonality.","Declared quarterly dividend of $0.23, a 9.5% increase; 121st consecutive quarterly dividend.","Repurchased 88,357 shares in Q4 at avg $41.53, totaling $3.7M."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-010311","json":"https://secwatch.observer/filing/0001558370-24-010311.json","markdown":"https://secwatch.observer/filing/0001558370-24-010311.md","text":"https://secwatch.observer/filing/0001558370-24-010311.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/916907/000155837024010311/0001558370-24-010311-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/916907/000155837024010311/smbc-20240729x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T15:34:31.567570+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}