---
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"
generated_at: "2026-05-31T15:34:31.567570+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Southern Missouri Bancorp Q4 net income down 13% to $13.5M; raises dividend 9.5% to $0.23

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- 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/916907/000155837024010311/0001558370-24-010311-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/916907/000155837024010311/smbc-20240729x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-24-010311
- JSON: https://secwatch.observer/filing/0001558370-24-010311.json
- Plain text: https://secwatch.observer/filing/0001558370-24-010311.txt

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