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. filings document formal disclosures for a Missouri bank holding company whose common stock trades on the NASDAQ Stock Market under SMBC. Recent Form 8-K reports record preliminary operating results and financial condition updates for Southern Bank, quarterly dividend declarations, investor presentation materials furnished under Regulation FD, and other events affecting the holding company.
The filing record also includes governance disclosures such as amended and restated bylaws, annual meeting voting results, director elections, advisory executive-compensation votes, auditor ratification, securities information for common stock, and exhibit filings with Inline XBRL cover data.
Southern Missouri Bancorp (SMBC) reported stronger quarterly results. For the three months ended September 30, 2025, net income was $15.7 million versus $12.5 million a year ago, and diluted EPS was $1.38 versus $1.10. Net interest income rose to $42.4 million from $36.7 million as average earning assets expanded, while the provision for credit losses increased to $4.5 million from $2.2 million.
Total assets were $5.04 billion and loans receivable, net, reached $4.14 billion at September 30, 2025. Deposits were $4.28 billion. Stockholders’ equity improved to $560.2 million, aided by a smaller accumulated other comprehensive loss of $8.4 million compared with $11.4 million at June 30, 2025. The company paid a quarterly dividend of $0.25 per share and repurchased $446 thousand of treasury stock.
Operating cash flow was $16.3 million; investing used $83.9 million, driven by net loan growth; and financing used $1.1 million. Common shares outstanding were 11,202,189 as of November 6, 2025.
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.
Southern Missouri Bancorp (SMBC) reported an insider ownership update. A director filed a Form 3, the initial statement of beneficial ownership, dated 10/20/2025. The filing discloses 2,000 shares of common stock held with direct (D) ownership. The form indicates it was filed by one reporting person and lists no derivative securities.
Southern Missouri Bancorp, Inc. (SMBC) reported the results of its 2025 Annual Meeting held on October 20, 2025. Shareholders representing 8,993,251 shares, or 79.65% of common shares outstanding as of the August 29, 2025 record date, were present or represented by proxy.
Shareholders elected four directors: Mr. Love to a two-year term expiring in 2027, and Messrs. McCoy, Bower, and Jones to three-year terms expiring in 2028. The advisory vote on executive compensation was approved with 7,379,508 votes for, 392,516 against, and 312,453 abstentions. Shareholders also ratified the appointment of FORVIS MAZARS, LLP as independent auditors for the fiscal year ending June 30, 2026, with 8,635,106 votes for, 94,596 against, and 263,549 abstentions.
Southern Missouri Bancorp, Inc. (SMBC) reported that it issued a press release with preliminary first quarter fiscal 2026 results, declared a quarterly dividend, and set details for its investor call.
The Board declared its 126th consecutive quarterly dividend of $0.25 per common share, payable on November 28, 2025 to stockholders of record as of November 14, 2025.
The company will host a conference call on October 23, 2025 at 9:30 a.m. CT. U.S. participants can dial 1-833-470-1428 with access code 205221. A telephone replay will be available through October 28, 2025 at 1-866-813-9403 using passcode 138492. A press release dated October 22, 2025 is attached as Exhibit 99.1.
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.
Southern Missouri Bancorp discloses executive compensation practices, community lending and sustainability initiatives. The company plans fiscal 2025 bonuses tied to business-plan goals and will grant incentive stock options and performance-based restricted stock to executives to align pay with long-term shareholder returns. The filing highlights environmental efficiency efforts including LED lighting, HVAC upgrades and $23.5 million committed to renewable energy projects over the three fiscal years ended June 30, 2025.
Community and workforce priorities include broad access to credit, support for affordable housing with $97.6 million committed to LIHTC properties over three years and $49.7 million in outstanding/available construction or development loans at June 30, 2025, internal promotion of leaders (54.1%), training programs, retirement and health benefits, and diversity and inclusion policies.
Southern Missouri Bancorp discloses executive compensation practices, community lending and sustainability initiatives. The company plans fiscal 2025 bonuses tied to business-plan goals and will grant incentive stock options and performance-based restricted stock to executives to align pay with long-term shareholder returns. The filing highlights environmental efficiency efforts including LED lighting, HVAC upgrades and $23.5 million committed to renewable energy projects over the three fiscal years ended June 30, 2025.
Community and workforce priorities include broad access to credit, support for affordable housing with $97.6 million committed to LIHTC properties over three years and $49.7 million in outstanding/available construction or development loans at June 30, 2025, internal promotion of leaders (54.1%), training programs, retirement and health benefits, and diversity and inclusion policies.
Southern Missouri Bancorp (SMBC) describes its fiscal 2025 condition, risks, and key balances. The company completed seven acquisitions since June 2017 and expects net interest income to rise after acquisitions while also anticipating higher general and administrative expenses. The investment portfolio at June 30, 2025 included municipal bonds ($24.3M), corporate obligations ($30.6M), asset-backed securities ($42.5M) and other securities ($4.0M), with a weighted average life of 50 months. Available-for-sale securities with unrealized losses were noted, but management does not intend to sell and has not recorded an allowance. Core deposit intangibles total $39.1M (with $21.1M accumulated amortization). The company reports loan concentrations, ACL methodology (DCF with PD/LGD), and that no goodwill impairment was indicated as of June 30, 2025.