Southern Missouri Bancorp (SMBC) EVP receives 1,050-share equity grant with vesting

Rhea-AI Filing Summary

Southern Missouri Bancorp executive Richard Windes reported an equity award and updated holdings. On February 24, 2026, he acquired 1,050 shares of common stock as a grant at $0.00 per share, bringing his directly held common stock to 5,375 shares.

The granted shares are scheduled to vest over five years beginning 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 12 calendar quarters before each vesting date. The filing also lists several blocks of stock options that become exercisable in 20% installments over five-year periods, and reflects 2,169.788 common shares held indirectly through a 401(k) from contributions since his last ownership report.

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

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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^*

Windes Richard

(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 LENDING 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)		1,050	A	$0	5,375	D
Common Stock								2,169.788(2)	I	401(k)

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	1,500		1,500	D
Stock Option (Right to Buy)	$40.82							(4)	02/08/2034	Common Stock	2,500		2,500	D
Stock Option (Right to Buy)	$46.94							(5)	02/21/2033	Common Stock	2,500		2,500	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

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 2/18/26. 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.

	/s/ Richard Windes	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).
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FAQ

What insider transaction did SMBC executive Richard Windes report on this Form 4?

Richard Windes reported an acquisition of 1,050 shares of Southern Missouri Bancorp common stock as an equity grant at $0.00 per share. This increased his directly held common stock position to 5,375 shares, alongside previously granted option awards and 401(k) plan holdings disclosed in the same filing.

How will Richard Windes’ 1,050-share SMBC stock award vest over time?

The 1,050-share award is scheduled to vest over five years starting February 9, 2027. Up to 20% can vest on that date and on each of the next four anniversaries, depending on how the company’s annualized return on average assets compares with a threshold level.

What stock option holdings does Richard Windes report in the SMBC Form 4 filing?

Richard Windes reports multiple blocks of stock options, each becoming exercisable in 20% installments over five years. The first installments vest on dates ranging from January 4, 2020, through February 18, 2026, with remaining portions vesting annually thereafter, as described in several vesting footnotes.

How many Southern Missouri Bancorp shares does Richard Windes hold through his 401(k)?

The filing shows Richard Windes indirectly owning 2,169.788 shares of Southern Missouri Bancorp common stock through a 401(k) plan. A footnote explains this reflects 401(k) contributions that have occurred since the date of his last ownership report, updating his retirement-plan-based holdings.

Is the SMBC Form 4 for Richard Windes a stock purchase or a grant?

The Form 4 reports a grant or award acquisition of 1,050 shares, not an open-market purchase. The transaction uses code A for grant, award, or other acquisition at a price of $0.00 per share, subject to a multi-year vesting schedule tied to performance conditions.