{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-25-009456","form_type":"8-K","ticker":"SMBC","cik":"0000916907","company_name":"SOUTHERN MISSOURI BANCORP, INC.","filed_at":"2025-07-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.695741+00:00","generated_at":"2026-05-18T03:59:28.788475+00:00","sec_items":["2.02","5.01","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"SMBC Q4 net income $15.8M (+16.7%); EPS $1.39; NPLs rise to $23M; dividend +8.7%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-25-009456","json":"https://secwatch.observer/filing/0001558370-25-009456.json","markdown":"https://secwatch.observer/filing/0001558370-25-009456.md","text":"https://secwatch.observer/filing/0001558370-25-009456.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/916907/000155837025009456/0001558370-25-009456-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/916907/000155837025009456/smbc-20250722x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T03:59:28.788475+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"}