Southern Missouri Bancorp (SMBC) awards EVP 875 performance-based shares

Rhea-AI Filing Summary

Capps Kimberly A reported acquisition or exercise transactions in this Form 4 filing.

Southern Missouri Bancorp EVP Kimberly A. Capps reported an equity award from the company. On February 24, 2026, she received a grant of 875 shares of Common Stock at $0.00 per share, increasing her directly held common shares to 70,366.23.

According to a footnote, these 875 shares are scheduled to vest over five years beginning on February 9, 2027, with up to 20% vesting on that date and on each of the next four anniversaries, based on the company’s annualized return on average assets over the relevant 12-quarter period.

The filing also updates holdings of several Stock Options (Right to Buy), with post-transaction balances ranging from 1,250 to 3,000 options for individual grants, each becoming exercisable in 20% annual installments over five years starting between 2019 and 2026, as described in the footnotes. Indirect common stock holdings include 55,361.114 shares in a 401(k) account and 360 shares each held for a daughter and a son.

02/26/2026 - 04:03 PM

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Capps Kimberly A

(Last) (First) (Middle)

2991 OAK GROVE RD.

(Street)

POPLAR BLUFF MO 63901

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
SOUTHERN MISSOURI BANCORP, INC. [ SMBC ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP-CHIEF RETAIL OFFICER

3. Date of Earliest Transaction (Month/Day/Year)
02/24/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	02/24/2026		A(1)		875	A	$0	70,366.23	D
Common Stock								55,361.114(2)	I	401(k)
Common Stock								360	I	Held by Daughter
Common Stock								360	I	Held by Son

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Stock Option (Right to Buy)	$60.42							(3)	02/18/2035	Common Stock	1,250		1,250	D
Stock Option (Right to Buy)	$40.82							(4)	02/08/2034	Common Stock	1,500		1,500	D
Stock Option (Right to Buy)	$46.94							(5)	02/21/2033	Common Stock	1,500		1,500	D
Stock Option (Right to Buy)	$53.82							(6)	02/03/2032	Common Stock	1,500		1,500	D
Stock Option (Right to Buy)	$34.91							(7)	02/10/2031	Common Stock	3,000		3,000	D
Stock Option (Right to Buy)	$37.4							(8)	02/18/2030	Common Stock	2,000		2,000	D
Stock Option (Right to Buy)	$34.35							(9)	01/04/2029	Common Stock	2,000		2,000	D
Stock Option (Right to Buy)	$37.31							(10)	01/16/2028	Common Stock	2,000		2,000	D

Explanation of Responses:

1. The shares are scheduled to vest over a five-year period beginning February 9, 2027, with up to 20% of the shares vesting on that date and on each of the next four anniversaries of that date based on the extent to which the Company's annualized return on average assets over the 12 calendar quarters ending immediately prior to the applicable vesting date exceeds a threshold level.

2. Reflects 401(k) contributions that have occurred since the date of the reporting person's last ownership report.

3. The options become exercisable in 20% installments over a five year period with the first installment vesting on 02/18/26. Each remaining installment vests annually thereafter.

4. The options become exercisable in 20% installments over a five-year period with the first installment vesting on 2/8/25. Each remaining installment vests annually thereafter.

5. The options become exercisable in 20% installments over a five-year period with the first installment vesting on 2/21/24. Each remaining installment vests annually thereafter.

6. The options become exercisable in 20% installments over a five-year period with the first installment vesting on 2/3/23. Each remaining installment vests annually thereafter.

7. The options become exercisable in 20% installments over a five-year period with the first installment vesting on 2/10/22. Each remaining installment vests annually thereafter.

8. The options become exercisable in 20% installments over a five-year period with the first installment vesting on 2/18/21. Each remaining installment vests annually thereafter.

9. The options become exercisable in 20% installments over a five-year period with the first installment vesting on 1/4/20. Each remaining installment vests annually thereafter.

10. The options become exercisable in 20% installments over a five-year period with the first installment vesting on 1/16/19. Each remaining installment vests annually thereafter.

	/s/ Kimberly A. Capps	02/26/2026
	** Signature of Reporting Person	Date
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FAQ

What did SMBC executive Kimberly Capps report in this Form 4 filing?

Kimberly A. Capps reported receiving a grant of 875 SMBC common shares. The filing also updates her direct and indirect common stock holdings and several stock option positions, all tied to long-term vesting schedules with performance or time-based conditions.

How many SMBC common shares were granted to Kimberly Capps in this transaction?

She was granted 875 shares of Southern Missouri Bancorp common stock. The award was reported at a price of $0.00 per share and increased her directly held common stock position to 70,366.23 shares after the transaction on February 24, 2026.

When do Kimberly Capps’s newly granted SMBC shares vest?

The 875 granted shares vest over five years starting February 9, 2027. Up to 20% may vest on that date and on each of the next four anniversaries, depending on Southern Missouri Bancorp’s annualized return on average assets over the prior 12 calendar quarters.

What stock option holdings for SMBC does Kimberly Capps report in this filing?

The filing lists multiple SMBC stock option grants with balances from 1,250 to 3,000 options. Footnotes explain each grant becomes exercisable in 20% installments over five years, with first vesting dates ranging from January 2019 through February 2026.

What indirect SMBC share ownership does Kimberly Capps disclose?

She reports indirect ownership of SMBC common stock through a 401(k) and family accounts. The filing shows 55,361.114 shares in a 401(k) plan and 360 shares each held for a daughter and a son, in addition to her direct holdings.

Does this SMBC Form 4 show insider buying or selling on the market?

The filing reports an equity award, not an open-market buy or sell. The 875-share grant is classified as a grant or award acquisition at $0.00 per share, with no reported open-market purchase or sale transactions in this Form 4.