Southern Missouri Bancorp (SMBC) director granted 400 restricted stock shares

Rhea-AI Filing Summary

Love Charles R reported acquisition or exercise transactions in this Form 4 filing.

Southern Missouri Bancorp director Charles R. Love received an award of 400 shares of common stock as restricted stock. The grant was made at a stated price of $0.00 per share, increasing his directly held shares to 15,800.

According to the footnote, these restricted shares are scheduled to vest over a five-year period beginning on February 9, 2027, with 20% of the shares vesting on that date and 20% on each of the next four anniversaries. In addition to his direct holdings, he also indirectly holds 11,100 shares through an IRA as of the same reporting date.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Love Charles R

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	400	$0.00	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 15,800 shares (Direct); Common Stock — 11,100 shares (Indirect, IRA)

Footnotes (1)

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Form 4 Insider Transactions: What Each Field Means →

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
Estimated average burden
hours per response:			0.5

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^*

Love Charles R

(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)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

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)		400	A	$0	15,800	D
Common Stock								11,100	I	IRA

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

Explanation of Responses:

1. Grant of restricted stock. The shares are scheduled to vest over a five-year period beginning February 9, 2027, with 20% of the shares vesting on that date and on each of the next four anniversaries of that date.

	/s/ Charles R. Love	02/26/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did Southern Missouri Bancorp (SMBC) director Charles R. Love report on this Form 4?

Director Charles R. Love reported receiving an award of 400 restricted shares of Southern Missouri Bancorp common stock. The award was recorded at a price of $0.00 per share and increased his directly held shares to 15,800 as of the transaction date.

How do the new restricted shares for SMBC director Charles R. Love vest?

The 400 restricted shares granted to Charles R. Love vest over five years. Vesting begins on February 9, 2027, when 20% of the shares vest, with an additional 20% vesting on each of the following four anniversaries of that date.

How many Southern Missouri Bancorp shares does Charles R. Love hold after this award?

After the restricted stock award, Charles R. Love holds 15,800 shares directly. He also has indirect ownership of 11,100 shares through an IRA, according to the reported holdings as of the same date on the Form 4.

Was the SMBC restricted stock grant to Charles R. Love an open-market purchase?

No, the 400-share transaction was reported as a grant or award, not an open-market purchase. The filing lists the transaction code as an acquisition-type grant with a price of $0.00 per share, indicating it was an equity compensation award.

What type of security did Charles R. Love receive from Southern Missouri Bancorp?

Charles R. Love received common stock of Southern Missouri Bancorp as restricted stock. The Form 4 specifies the security title as common stock, with 400 shares granted subject to a five-year vesting schedule beginning February 9, 2027.

How is Charles R. Love’s indirect ownership in SMBC shares structured?

The Form 4 shows that 11,100 Southern Missouri Bancorp shares are held indirectly for Charles R. Love. The filing identifies the nature of this indirect ownership as an IRA, indicating the shares are held in an individual retirement account.