[Form 4] SOUTHERN MISSOURI BANCORP, INC. Insider Trading Activity

Rhea-AI Filing Summary

William E. Young, a director of Southern Missouri Bancorp (SMBC), reported several changes to his beneficial ownership on Form 4. On 09/18/2025 he recorded the distribution/dissolution of the Sarah Ann Young Revocable Trust, which resulted in a disposition of 130 shares by the trust and an acquisition of 65 shares attributed to Mr. Young in connection with the trust's dissolution and inheritance. The filing shows Mr. Young indirectly beneficially owns 95,052 common shares (held via revocable trust), plus additional indirect holdings: 3,488 shares in an IRA and 2,351 shares as custodian for his son; there was also a disposition of 1,400 shares.

Separately, Mr. Young holds 7,500 stock options exercisable at a $46.94 strike price, expiring 02/21/2033; the options vest in 20% installments over five years with the first installment vesting 02/21/2024. The Form is signed 09/24/2025.

Insights

Securities Analyst

TL;DR: Insider reported trust dissolution transfers and modest share movements; notable option position remains in place.

The Form 4 documents administrative ownership changes tied to the dissolution of a revocable trust and inheritance distributions rather than open-market trading. The net change from the specific transactions reported is small in absolute share counts (disposition of 130 shares; acquisition of 65 shares; disposition of 1,400 shares) but the filing clarifies indirect holdings totaling 95,052 shares via the revocable trust plus IRA and custodial holdings. The 7,500-option position at a $46.94 strike (expiring 02/21/2033) is the largest single contingent interest disclosed and may be most relevant for long-term dilution and incentive alignment analyses.

Corporate Governance Expert

TL;DR: Transactions reflect estate administration; disclosure meets Section 16 reporting requirements with vesting details provided.

The filing indicates transfers occurred pursuant to estate planning and trust dissolution, not compensatory grants or sales for liquidity. The reporter checked a director relationship and filed as one reporting person. Importantly, the option vesting schedule is disclosed: 20% annual installments over five years beginning 02/21/2024, which informs the timeline of potential future exercises. From a governance perspective, the Form provides required transparency about beneficial ownership changes tied to family estate matters.

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

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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).

1. Name and Address of Reporting Person^*

Young William E

(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)
09/18/2025

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	09/18/2025		W(1)	V	130	D	$0	0	I	Trustee for Sarah Ann Young Revocable Trust
Common Stock	09/18/2025		W(2)	V	65	A	$0	95,052	I	By revocable trust
Common Stock								3,488	I	By IRA
Common Stock								1,400	D
Common Stock								2,351	I	Custodian for 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
Common Stock (Right to buy)	$46.94							(3)	02/21/2033	Common	7,500		7,500	D

Explanation of Responses:

1. Transaction reflects distribution of shares by Sarah Ann Young Revocable Trust in connection with its dissolution and pursuant to an inheritance, in accordance with the decedent's estate plan and applicable inheritance laws.

2. Transaction reflects acquisition of shares from Sarah Ann Young Revocable Trust in connection with its dissolution and distribution of assets, which are made pursuant to an inheritance, in accordance with the decedent's estate plan and applicable inheritance laws.

3. The options become exercisable in 20% installments over a five year period with the first installment vesting on February 21, 2024. Each remaining installment vests annually.

	/s/ William E. Young	09/24/2025
	** 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).
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FAQ

What transactions did William E. Young report on Form 4 for SMBC?

The Form 4 reports a disposition of 130 shares by the Sarah Ann Young Revocable Trust, an acquisition of 65 shares, a disposition of 1,400 shares, and disclosures of other indirect holdings.

How many SMBC shares does William E. Young beneficially own after the reported transactions?

The filing shows 95,052 common shares beneficially owned indirectly via the revocable trust, plus 3,488 shares in an IRA and 2,351 shares held as custodian for his son.

Does William E. Young hold any SMBC options and what are the terms?

Yes. He holds 7,500 options with a $46.94 exercise price, expiring 02/21/2033, vesting in 20% installments over five years starting 02/21/2024.

Why were the trust-related share movements reported?

The filing states the trust was dissolved and shares were distributed pursuant to the decedent's estate plan and applicable inheritance laws.

What is the reporting date and signature date on the Form 4?

The earliest transaction date is 09/18/2025 and the Form is signed by William E. Young on 09/24/2025.