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SOUTHERN MISSOURI BANCORP, INC. (SMBC) filed an 8-K current report with the SEC on April 23, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item 8.01 (Other Events), Item EX-99.1 (Exhibit EX-99.1). Preliminary fiscal Q3 2026 results announced; investors should review Exhibit 99.1 for operating performance.
SOUTHERN MISSOURI BANCORP, INC. 8-K event analysis
AI summary of each reported item and its exhibits
Item 2.02 · Results of Operations and Financial Condition
- Preliminary fiscal Q3 2026 results announced; investors should review Exhibit 99.1 for operating performance
- Quarterly dividend of $0.25 per common share signals continued shareholder distributions
- Investor conference call timing and access details provided in Exhibit 99.1
Item 8.01 · Other Events
- Quarterly dividend $0.25 per common share payable May 29, 2026
- Record date May 15, 2026, determining dividend eligibility
- 128th consecutive quarterly dividend signals sustained shareholder distribution history
- April 23, 2026 conference call to discuss the release, with playback through April 28, 2026
Item EX-99.1 · Exhibit EX-99.1
- Preliminary Q3 FY2026 net income $17.8M, up 13.3% YoY; diluted EPS $1.60, up 15.1%
- Net interest margin expanded to 3.67% from 3.44%, driving net interest income growth of 9.3% to $43.2M
- Credit risk rising: PCL $2.1M, while NPLs increased to $30.1M and NPAs to $32.0M
- Agricultural stress drove higher reserves; ACL increased to $55.9M, covering 186% of nonperforming loans
- Loan growth outpaced deposits, lifting average loan-to-deposit ratio to 98.0% and reducing cash equivalents 58.9% YoY
- Quarterly dividend $0.25 per share declared; company repurchased 156,000 shares for $9.7M in the quarter
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