secwatch.observer — SEC 8-K summary
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Issuer:     SOUTHERN MISSOURI BANCORP, INC. (SMBC)
CIK:        0000916907
Form:       8-K
Filed at:   2025-04-22T23:59:59+00:00
Accession:  0001558370-25-005092
Event type: earnings
Sentiment:  neutral
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/916907/000155837025005092/0001558370-25-005092-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/916907/000155837025005092/smbc-20250421x8k.htm
  HTML page:      https://secwatch.observer/filing/0001558370-25-005092

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