---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-25-005092"
form_type: "8-K"
ticker: "SMBC"
cik: "0000916907"
company_name: "SOUTHERN MISSOURI BANCORP, INC."
filed_at: "2025-04-22T23:59:59+00:00"
generated_at: "2026-05-23T09:53:16.420722+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# SMBC Q3 FY2025 EPS $1.39, up 40.4% YoY; NPLs rise to $22M from $6.7M

## Summary
- Net income $15.7M, EPS $1.39 diluted, up 40.4% YoY and 6.9% linked quarter.
- Net interest margin 3.39% vs 3.15% YoY; net interest income up 14.4%.
- Nonperforming loans rose to $22M (0.55% of loans) from $6.7M (0.17%) at June 30, 2024.
- Charge-offs $1.1M quarterly, largely from agricultural fraud; ACL at 1.37% of loans.
- Dividend $0.23 per share declared, unchanged; payable May 30, 2025.

## SEC filing metadata
- accession: 0001558370-25-005092
- form_type: 8-K
- ticker: SMBC
- cik: 0000916907
- company_name: SOUTHERN MISSOURI BANCORP, INC.
- filed_at: 2025-04-22T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/916907/000155837025005092/0001558370-25-005092-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/916907/000155837025005092/smbc-20250421x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-005092
- JSON: https://secwatch.observer/filing/0001558370-25-005092.json
- Plain text: https://secwatch.observer/filing/0001558370-25-005092.txt

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