SMBC Q4 net income $15.8M (+16.7%); EPS $1.39; NPLs rise to $23M; dividend +8.7%

SOUTHERN MISSOURI BANCORP, INC.

2025-FY EPS reported $5.18

Q4 net income $15.8M, diluted EPS $1.39 (vs $1.19 YoY), revenue up on NIM expansion to 3.46%.
Net interest margin rose 21 bps to 3.46%; loan growth $76.2M in Q4; total assets $5.0B (+9.0% YoY).
Nonperforming loans increased to $23.0M (0.56% of loans) from $6.7M; net charge-offs $5.3M vs $0.2M YoY.
Dividend increased 8.7% to $0.25/share, payable Aug 29 to holders of record Aug 15 (125th consecutive).
Entered amended change-in-control severance for CLO Rick Windes: 2x cash severance, extended benefits to 24 months.

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