Welcome to our dedicated page for Southern Missouri Bancorp SEC filings (Ticker: SMBC), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Southern Missouri Bancorp, Inc. (NASDAQ: SMBC) files a range of documents with the U.S. Securities and Exchange Commission that provide detailed information about its financial condition, operations, governance, and shareholder matters. As a Missouri-incorporated bank holding company for Southern Bank, SMBC uses its SEC filings to report on topics such as earnings, capital, credit quality, and corporate actions. This page brings those filings together and pairs them with AI-powered tools that help explain the content in accessible language.
Investors can review Southern Missouri Bancorp’s periodic reports, including annual reports on Form 10-K and quarterly reports on Form 10-Q, which contain audited or reviewed financial statements, management’s discussion and analysis, segment information, loan and deposit composition, and disclosures on nonperforming loans, nonperforming assets, and the allowance for credit losses under ASC 326-20. These filings also describe concentrations in non-owner occupied commercial real estate, collateral types within that portfolio, and the company’s approach to estimating expected credit losses.
Current reports on Form 8-K provide timely updates on material events. For SMBC, recent 8-K filings have covered preliminary earnings announcements, quarterly dividend declarations, investor conference presentations, amendments to bylaws, change-in-control severance arrangements for executives, temporary suspensions of trading under employee benefit plans, and the results of annual shareholder meetings. Definitive proxy statements on Schedule 14A detail matters submitted to shareholders, including director elections, advisory votes on executive compensation, and ratification of independent auditors, as well as information on governance practices.
On this SEC filings page, you can access these documents as they are posted to EDGAR, while AI-generated summaries highlight key points such as changes in loan and deposit balances, capital and funding structure, executive compensation arrangements, and shareholder voting outcomes. The platform also makes it easier to locate disclosures relevant to insider and executive arrangements, corporate governance changes, and other regulatory topics that may affect Southern Missouri Bancorp’s risk profile and shareholder interests.
Southern Missouri Bancorp, Inc. reported solid growth for the quarter and six months ended December 31, 2025. Quarterly net income rose to $18.2 million from $14.7 million a year earlier, with basic and diluted earnings per share increasing to $1.62 from $1.30. Six-month net income reached $33.8 million versus $27.1 million and earnings per share improved to $3.00 from $2.40.
Total assets were $5.09 billion as of December 31, 2025, up from $5.02 billion in June, driven mainly by net loans of $4.17 billion. Deposits increased slightly to $4.31 billion. Net interest income for the six months climbed to $85.3 million, while provision for credit losses also increased to $6.2 million, reflecting ongoing credit risk management. Operating cash flow was $37.6 million, with significant loan growth contributing to $112.2 million of net cash used in investing activities.
FMR LLC has filed an amended ownership report showing beneficial ownership of 40,282.46 shares, or 0.4%, of Southern Missouri Bancorp Inc. common stock as of December 31, 2025. FMR reports sole voting power over 39,485 shares and sole dispositive power over 40,282.46 shares.
Abigail P. Johnson is also a reporting person, with sole dispositive power over the same 40,282.46 shares and no voting power. The shares are certified as acquired and held in the ordinary course of business, not to change or influence control of Southern Missouri Bancorp. One or more other persons may receive dividends or sale proceeds, but no such interest exceeds 5% of the outstanding common stock.
Southern Missouri Bancorp, Inc. is returning more capital to shareholders through a new stock repurchase authorization and a continued cash dividend. The Board approved a plan to repurchase up to an additional 550,000 shares of common stock, which is described as approximately 5% of its 11.1 million outstanding shares. Purchases may occur in the open market or through privately negotiated transactions, and any shares bought back will be held as treasury stock for general corporate purposes.
The Company also declared its 127th consecutive quarterly dividend on common stock since inception, setting a cash dividend of $0.25 per share, payable on February 27, 2026 to shareholders of record on February 13, 2026. In addition, the Company announced that it has already repurchased 408,585 shares under its existing program at an average cost of $48.28 per share and scheduled an investor conference call on January 22, 2026 to discuss preliminary second-quarter fiscal 2026 results.
Southern Missouri Bancorp, Inc. reported that its Board of Directors approved and adopted Amended and Restated Bylaws, effective immediately on November 25, 2025. The changes update the company’s corporate governance framework in several ways, including revising the address of the home office and moving the annual meeting of stockholders to the fourth Monday in October. The amendments also clarify that special meetings of the Board may be held inside or outside Missouri and remove a prior prohibition on compensating directors for telephonic attendance at board meetings.
The revised Bylaws further state that the President is the Chief Executive Officer unless the Board designates the Chairman as CEO, and they explicitly allow the Board, President, or CEO to appoint additional officers as needed. An additional article addressing corporate records and reports from officers, experts, or committees has been added. The full text of the Amended and Restated Bylaws is available as an exhibit to the report for those seeking detailed language.
Southern Missouri Bancorp, Inc. (SMBC) filed a Form 4 reporting that a retired director sold common stock and detailed current holdings. On 11/20/2025, the reporting person sold 1,500 shares of SMBC common stock at a price of $53.8675 per share. After this sale, the person beneficially owns 93,552 shares through a revocable trust, 3,488 shares in an IRA, 1,400 shares directly, and 2,351 shares as custodian for a son. The filing also shows 7,500 stock options with a conversion price of $46.94 per share, which become exercisable in 20% installments over five years, with the first installment vesting on February 21, 2024 and the remaining installments vesting annually.
Southern Missouri Bancorp, Inc. furnished investor presentation materials under Item 7.01 (Regulation FD). The deck (Exhibit 99.1) is slated for presentation on Tuesday, November 11, 2025, at the Piper Sandler Financial Services Conference. The filing is administrative and also includes the Cover Page Interactive Data File (Exhibit 104).
Southern Missouri Bancorp (SMBC) reported stronger quarterly results. For the three months ended
Total assets were
Operating cash flow was
Southern Missouri Bancorp (SMBC) director Daniel Patrick McCoy reported an option grant. On 10/20/2025, he acquired an option to buy 5,000 shares of common stock with an exercise price of $50.05 per share. The derivative security was reported at a price of $0, indicating a grant rather than a purchase.
The option expires on 10/20/2035 and vests in 20% annual installments over five years, with the first tranche vesting on 10/20/2026. Following the transaction, 5,000 derivative securities were beneficially owned directly.
Southern Missouri Bancorp (SMBC) reported an insider equity award. A director filed a Form 4 showing a grant of options to buy 5,000 shares of common stock at an exercise price of $50.05 on October 20, 2025.
The options vest in 20% annual installments over five years, beginning October 20, 2026, and expire on October 20, 2035. Following the transaction, the filing lists 5,000 derivative securities beneficially owned, held directly.
Southern Missouri Bancorp, Inc. (SMBC) filed a Form 3 showing an initial statement of beneficial ownership by one reporting person. The filer is identified as a Director, and the filing states no securities are beneficially owned. The event date is 10/20/2025, and the form is a single-person filing, signed by Kenneth J. Bower.