secwatch.observer — SEC 8-K summary
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Issuer:     SOUTHERN MISSOURI BANCORP, INC. (SMBC)
CIK:        0000916907
Form:       8-K
Filed at:   2025-07-23T23:59:59+00:00
Accession:  0001558370-25-009456
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 5.01, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/916907/000155837025009456/0001558370-25-009456-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/916907/000155837025009456/smbc-20250722x8k.htm
  HTML page:      https://secwatch.observer/filing/0001558370-25-009456

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