{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-013775","form_type":"8-K","ticker":"SMBC","cik":"0000916907","company_name":"SOUTHERN MISSOURI BANCORP, INC.","filed_at":"2024-10-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.381945+00:00","generated_at":"2026-05-30T09:32:45.686134+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Southern Missouri Bancorp Q1 fiscal 2025 net income falls 5.3% YoY; EPS $1.10","bullets":["Net income $12.5M ($1.10 diluted EPS), down 5.3% YoY; adjusted EPS $1.16 excluding $0.06 one-time cost.","Net interest margin 3.37%, down 7 bps YoY but up 12 bps from linked quarter; NII up $1.3M.","Provision for credit losses $2.2M, up $1.3M from both prior year and linked quarter.","Nonperforming loans $8.2M (0.21% of loans) vs $6.7M (0.17%) at June 30.","Quarterly dividend $0.23/share declared, payable Nov 29 to holders of record Nov 15."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-013775","json":"https://secwatch.observer/filing/0001558370-24-013775.json","markdown":"https://secwatch.observer/filing/0001558370-24-013775.md","text":"https://secwatch.observer/filing/0001558370-24-013775.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/916907/000155837024013775/0001558370-24-013775-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/916907/000155837024013775/smbc-20241028x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T09:32:45.686134+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"}