SMBC at a glance
SOUTHERN MISSOURI BANCORP, INC. (SMBC, SEC CIK 916907) filed its latest 10-K annual report on September 11, 2026, a 10-Q quarterly report on May 8, 2026, an 8-K current report on July 27, 2026 and Form 4 insider filings as recently as September 10, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended June 30, 2026 (FY2026), SOUTHERN MISSOURI BANCORP, INC. (SMBC) reported revenue of $289.0 million (up 4.2% from FY2025) and net income of $71.8 million. Diluted EPS was $6.43.
- As of June 30, 2026, 29 institutional investment managers tracked by SignalX reported holding SOUTHERN MISSOURI BANCORP, INC. (SMBC) shares worth $265.4 million in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Hensley Todd E. on September 9, 2026 of 429 shares at $73.29 per share.
- In the last 90 days, SMBC insiders reported 0 open-market purchases ($0) and 6 open-market sales ($1.3M) on Form 4, a net sale of $1.3M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2026
- $289.0M
- +4.2% vs prior year
- Insiders · 90 days
- 0 buys · 6 sells
- Net −$1.3M
- 13F holders
- 29 funds
- $265.4M · +2 vs prior quarter
- Latest 8-K
- Jul 27, 2026
- Item 7.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Jun 30, 2026
Business Overview
- Section 'business' was empty or not found.
Management Discussion & Analysis
- Revenue $200.6M net interest income (11.8% increase YoY from $154.6M), total interest income $289.0M (+4.2%), noninterest income $27.8M (-0.7%)
- Net interest margin 3.62% vs 3.40%; operating margin approx. 45% (net income $71.8M / total revenue $200.6M) up from prior year (net income $58.6M)
- Best performing segment: Net interest income from loans $265.2M (+5.7% YoY); worst: investment securities income $4.96M (-14.6%) due to lower yields and balances
- Cash flow: Dividends $1.00/share (+8.7%), share repurchases $18.6M for 317K shares at avg price $58.59, capex projected $8-$11M, deposits +$126.5M, FHLB borrowings +$26.4M
- Outlook/risk: Management anticipates sufficient liquidity for next 12 months; increased provision for credit losses to $11.5M reflects rising economic uncertainty and agricultural sector pressures
Risk Factors
- Regulatory risk: USA Patriot and Bank Secrecy Acts non-compliance could lead to fines or sanctions
- Macroeconomic risk: Economic slowdown in Missouri/northern Arkansas could increase loan delinquencies and reduce loan originations
- Operational risk: Core deposit system replacement may cause delays, cost overruns, or failures impacting business operations
- Competitive risk: Fintech companies introducing new technology-driven products pose competitive threat with greater resources
- Financial risk: Non-owner occupied commercial real estate loans 287.9% of Tier 1 capital plus ACL, nearing regulatory scrutiny threshold
AI summary of the SMBC 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Mar 31, 2026
Management Discussion & Analysis
- Nonperforming assets $31.7M vs $23.8M YoY, with nonperforming loans $30.1M vs $22.0M
- Nonperforming loans-to-net-loans ratio 0.71% vs 0.55% YoY
- Credit commitments $1.0B, including $682.5M in unused lines
- FHLB availability $974.2M, with $102.0M advanced
- Management expects sufficient liquidity; Bank remained well capitalized with Tier 1 leverage ratio 10.38%
Risk Factors
- No new or changed risk factors provided in the excerpt
- Repurchase authorization for 550,000 shares, approximately 5.0% of outstanding shares
- Repurchases subject to prevailing market prices, share availability, and general market conditions
- $60.59–$64.26 average repurchase prices during January–March 2026
- 450,710 shares remaining under the repurchase program at March 31, 2026
AI summary of the SMBC 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 7.01: Regulation FD Disclosure
- Investor presentation scheduled for July 28, 2026, at KBW Summer Bank Conference
- Exhibit 99.1 contains management’s conference materials, potentially relevant for updated strategy or outlook
Item EX-99.1: Item EX-99.1
- Q4 FY2026 diluted EPS $1.83, up 31.7% year over year and 14.4% sequentially, signaling stronger earnings momentum
- ROA 1.57% and ROE 14.0%, improving from 1.27% and 11.8% a year earlier
Item 2.02: Results of Operations and Financial Condition
- Preliminary fourth-quarter fiscal 2026 results announced by Southern Missouri Bancorp
- Quarterly dividend of $0.27 per common share signals cash distribution to shareholders
Item 8.01: Other Events
- Quarterly dividend of $0.27 per common share, payable August 31, 2026
- 129th consecutive quarterly dividend, signaling continued shareholder-return consistency
Item EX-99.1: Item EX-99.1
- Q4 net income $20.3M, up 28.5%; diluted EPS $1.83, up 31.7% year over year
- Fiscal 2026 net income $71.8M, up 22.6%; diluted EPS $6.43, up 24.1%
Item 7.01: Regulation FD Disclosure
- Investor presentation scheduled for May 5, 2026, at the DA Davidson Financial Institutions Conference
- Exhibit 99.1 contains management’s presentation materials for investor review
Item EX-99.1: Item EX-99.1
- Q3 FY2026 diluted EPS $1.60, up 15.1% year over year but down 1.2% sequentially
- ROA 1.41% and ROE 12.6%, improving from 1.29% and 12.2% year over year
AI summaries of SMBC 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for SMBC
Don't miss the next SMBC filing
- Alerts as it files. A push when SMBC files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut SMBC, by share count.
- Ask anything. An AI agent that reads every SMBC filing and answers with sources.
SMBC alerts on your phone. Follow it in the SignalX Android app.
Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Hensley Todd E. | Sell | Sep 9, 2026 | 429 | $73.29 |
| Hensley Todd E. | Sell | Sep 9, 2026 | 10,422 | $72.63 |
| Hensley Todd E. | Sell | Sep 8, 2026 | 4,749 | $73.48 |
| HECKER MARK E | Sell | Aug 18, 2026 | 1,600 | $75.49 |
| HECKER MARK E | Sell | Aug 18, 2026 | 185 | $75.51 |
| HECKER MARK E | Sell | Aug 18, 2026 | 900 | $75.61 |
| HECKER MARK E | M | Jul 29, 2026 | 2,000 | $37.31 |
| HECKER MARK E | D | Jul 29, 2026 | 1,830 | $78.31 |
Financial SummaryXBRL
| Metric | FY2024 | FY2025 | FY2026 |
|---|---|---|---|
| Profitability | |||
| Revenue | $248.4M | $277.4M | $289.0M |
| Net Income | $50.2M | $58.6M | $71.8M |
| Net Margin | 20.2% | 21.1% | 24.9% |
| Balance Sheet | |||
| Total Assets | $4.6B | $5.0B | $5.2B |
| Equity | $488.7M | $544.7M | $590.7M |
| ROE | 10.3% | 10.8% | 12.2% |
| Per Share | |||
| EPS | - | $5.18 | $6.43 |
| Cash Flow | |||
| Operating CF | $70.3M | $81.6M | $80.5M |
| CapEx | $9.0M | $6.3M | $4.0M |
Source: XBRL data in SOUTHERN MISSOURI BANCORP, INC. (SMBC)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate SMBC share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 29 | $265.4M |
| Q1 2026 | 27 | $196.3M |
| Q4 2025 | 26 | $182.8M |
| Q3 2025 | 27 | $184.8M |
| Q2 2025 | 28 | $195.6M |
| Q1 2025 | 24 | $143.8M |
| Q4 2024 | 20 | $142.4M |
| Q3 2024 | 16 | $58.6M |
- BlackRock+191.2K (+21%)
- State Street Corp+77.4K (+27%)
- Millennium Management+63.3K (+135%)
- Dimensional Fund Advisors+25.0K (+6%)
- Franklin Resources+24.3K (+43%)
- Two Sigma Investments−30.3K (-69%)
- Vanguard Capital Management LLC−14.7K (-3%)
- Renaissance Technologies LLC−11.7K (-13%)
- Morgan Stanley−6.0K (-6%)
- Bank of America Corp−4.4K (-17%)
- Citadel Advisors LLC+7.6K
- Prudential Financial+5.5K
Source: 13F-HR filings on SEC EDGAR (aggregated from 197 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
SMBC filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
8-K current reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 10-K | Sep 11, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Sep 10, 2026 | - | - | - |
| 4 | Aug 20, 2026 | - | - | - |
| 4 | Jul 31, 2026 | - | - | - |
| 8-K | Jul 27, 2026 | - | Analysis | - |
| 8-K | Jul 22, 2026 | - | Analysis | - |
| 4 | Jun 9, 2026 | - | - | |
| 4 | May 29, 2026 | - | - | |
| 4 | May 22, 2026 | - | - | |
| 4 | May 20, 2026 | - | - | |
| 10-Q | May 8, 2026 | Mar 31, 2026 | Analysis | |
| 4 | May 8, 2026 | - | - | |
| 8-K | May 5, 2026 | - | Analysis | - |
| 4 | May 5, 2026 | - | - | - |
| 8-K | Apr 23, 2026 | - | Analysis | - |
| 4 | Mar 4, 2026 | - | - | - |
| 4 | Feb 26, 2026 | - | - | - |
| 4 | Feb 26, 2026 | - | - | - |
| 4 | Feb 26, 2026 | - | - | - |
| 4 | Feb 26, 2026 | - | - | - |
| 4 | Feb 26, 2026 | - | - | - |
| 4 | Feb 26, 2026 | - | - | - |
| 4 | Feb 26, 2026 | - | - | - |
| 4 | Feb 26, 2026 | - | - | - |
| 4 | Feb 26, 2026 | - | - | - |
Related Financials companies
- BBT · Beacon Financial CorpSavings Institutions, Not Federally Chartered
- BLFY · Blue Foundry BancorpSavings Institutions, Not Federally Chartered
- ECBK · ECB Bancorp, Inc. /MD/Savings Institutions, Not Federally Chartered
- FBLA · FB Bancorp, Inc. /MD/Savings Institutions, Not Federally Chartered
- FLG · FLAGSTAR BANK, NATIONAL ASSOCIATIONSavings Institutions, Not Federally Chartered
- FSBW · FS Bancorp, Inc.Savings Institutions, Not Federally Chartered
- GCBC · GREENE COUNTY BANCORP INCSavings Institutions, Not Federally Chartered
- HFWA · HERITAGE FINANCIAL CORP /WA/Savings Institutions, Not Federally Chartered
SMBC SEC filings: frequently asked questions
Are SMBC insiders buying or selling?
In the last 90 days, SOUTHERN MISSOURI BANCORP, INC. (SMBC) officers, directors and 10% owners reported no open-market purchases and 6 open-market sales worth $1.3 million by 2 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold SMBC stock?
As of June 30, 2026, the largest SOUTHERN MISSOURI BANCORP, INC. (SMBC) holders among the 13F filers tracked by SignalX were BlackRock ($85.3 million), Dimensional Fund Advisors ($35.5 million), Vanguard Capital Management LLC ($31.8 million), State Street Corp ($27.4 million), Vanguard Portfolio Management LLC ($11.8 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was SMBC's revenue in fiscal year 2026?
For the fiscal year ended June 30, 2026 (FY2026), SOUTHERN MISSOURI BANCORP, INC. (SMBC) reported revenue of $289.0 million (up 4.2% from FY2025) and net income of $71.8 million. Diluted EPS was $6.43. The figures come from the XBRL data in the 10-K.
What are the main risks in SMBC's latest 10-K?
In the 10-K filed September 11, 2026, SOUTHERN MISSOURI BANCORP, INC. (SMBC) flagged: Regulatory risk: USA Patriot and Bank Secrecy Acts non-compliance could lead to fines or sanctions. Macroeconomic risk: Economic slowdown in Missouri/northern Arkansas could increase loan delinquencies and reduce loan originations. (AI summary of the Risk Factors section.)
What did SMBC report in its latest 8-K?
SOUTHERN MISSOURI BANCORP, INC. (SMBC) filed an 8-K on July 27, 2026 reporting Item 7.01 (Regulation FD Disclosure). Investor presentation scheduled for July 28, 2026, at KBW Summer Bank Conference.
What are the latest SMBC SEC filings?
SOUTHERN MISSOURI BANCORP, INC. (SMBC) filed its latest 10-K annual report on September 11, 2026, a 10-Q quarterly report on May 8, 2026, an 8-K current report on July 27, 2026 and a Form 4 insider filing on September 10, 2026.
What is SMBC's SEC CIK number?
SOUTHERN MISSOURI BANCORP, INC. (SMBC)'s SEC Central Index Key (CIK) is 916907. EDGAR lists every SMBC filing under that number.
Ask anything about SMBC
The research agent reads SMBC's filings, financials, insider trades and 13F holders, then answers with sources.