---
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"
generated_at: "2026-05-30T09:32:45.686134+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Southern Missouri Bancorp Q1 fiscal 2025 net income falls 5.3% YoY; EPS $1.10

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-24-013775
- JSON: https://secwatch.observer/filing/0001558370-24-013775.json
- Plain text: https://secwatch.observer/filing/0001558370-24-013775.txt

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