{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-25-000439","form_type":"8-K","ticker":"SMBC","cik":"0000916907","company_name":"SOUTHERN MISSOURI BANCORP, INC.","filed_at":"2025-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.795668+00:00","generated_at":"2026-05-27T08:52:37.732154+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Southern Missouri Bancorp Q2 net income $14.7M (+20.2%), EPS $1.30, NIM 3.36%","bullets":["Net income $14.7M, up $2.5M (+20.2%) YoY; diluted EPS $1.30 vs $1.07 prior year.","Net interest margin 3.36% vs 3.25% a year ago; net interest income up 10.6% to $38.1M.","Loan balances grew 7.9% YoY to $4.0B; deposits up 5.6% YoY to $4.2B with seasonal inflows.","Tangible book value per share $38.91, up 12.3% YoY; efficiency ratio improved to 55.3% from 58.5%.","Quarterly dividend of $0.23 per share declared, payable Feb 28, 2025 to record Feb 14, 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-25-000439","json":"https://secwatch.observer/filing/0001558370-25-000439.json","markdown":"https://secwatch.observer/filing/0001558370-25-000439.md","text":"https://secwatch.observer/filing/0001558370-25-000439.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/916907/000155837025000439/0001558370-25-000439-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/916907/000155837025000439/smbc-20250127x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T08:52:37.732154+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"}