---
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"
generated_at: "2026-05-18T03:59:28.788475+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 5.01, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-009456
- JSON: https://secwatch.observer/filing/0001558370-25-009456.json
- Plain text: https://secwatch.observer/filing/0001558370-25-009456.txt

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