SMBC

Peers: GSBC EQBK HWBK MSBI FMBH EFSC CBC LARK SFNC CBSH

| Held by: AVUV VTI IWM KRE DFAT VXF DFSV IWN DFAS VTWO

Index	RUT
Market Cap	789.85M
Enterprise Value	-
Income	74.96M
Sales	319.86M
Book/sh	54.68
Cash/sh	-
Dividend Est.	1.08 (1.50%)
Dividend TTM	1.02 (1.42%)
Dividend Ex-Date	Nov 13, 2026
Dividend Gr. 3/5Y	5.98% 10.03%
Payout	15.56%
Employees	739
IPO	Apr 12, 1994

P/E	10.60
Forward P/E	10.42
PEG	-
P/S	2.47
P/B	1.31
P/C	-
P/FCF	10.32
EV/EBITDA	-
EV/Sales	-
Quick Ratio	-
Current Ratio	0.05
Debt/Eq	0.27
LT Debt/Eq	0.23
Option/Short	Yes / Yes

EPS (ttm)	6.78
EPS next Y	6.89
EPS next Q	1.71
EPS this Y	4.01%
EPS next Y	3.08%
EPS next 5Y	-
EPS past 3/5Y	18.62% 4.25%
Sales past 3/5Y	16.05% 19.57%
EPS Y/Y TTM	24.24%
Sales Y/Y TTM	3.10%
EPS Q/Q	25.14%
Sales Q/Q	4.17%
Earnings	Oct 21 AMC
EPS/Sales Surpr.	4.22% 0.93%

Insider Own	14.21%
Insider Trans	-1.44%
Inst Own	57.79%
Inst Trans	1.60%
ROA	1.45%
ROE	12.91%
ROIC	10.13%
Gross Margin	-
Oper. Margin	28.52%
Profit Margin	23.44%
SMA20	1.14%
SMA50	-0.44%
SMA200	3.25%
Trades

Shs Outstand	10.99M
Shs Float	9.43M
Short Float	4.60%
Short Ratio	4.82
Short Interest	0.43M
52W High	79.86 -10.04%
52W Low	51.46 39.60%
Volatility	2.00% 1.90%
ATR (14)	1.41
RSI (14)	52.12
Beta	0.80
Rel Volume	0.00
Avg Volume	90.07K
Volume	0

Perf Week	0.10%
Perf Month	1.33%
Perf Quarter	-7.20%
Perf Half Y	5.28%
Perf YTD	21.52%
Perf Year	35.88%
Perf 3Y	79.20%
Perf 5Y	32.06%
Perf 10Y	191.44%
Recom	2.67
Target Price	78.40
Prev Close	71.84
Price	71.84
Change %	0.00%

Consensus

Hold

Avg. Price Target

$78.40

Implied Upside

+9.1%

Analysts4incl. previous ratings

Rating Distribution0 Buy · 4 Hold · 0 Sell

Date	Action	Analyst	Rating Change	Price Target Change	Implied Upside
Oct 05, 2026	Initiated	HHovde Group	Market Perform	$76	+5.8%
Sep 02, 2026	Initiated	RRaymond James	Mkt Perform
Aug 06, 2026	Downgrade	SStephens	Overweight → Equal-Weight	$85	+18.3%
Aug 28, 2025	Resumed	PPiper Sandler	Neutral	$66	-8.1%
Aug 13, 2024	Initiated	SStephens	Overweight	$60	-16.5%

Oct-22-26 06:54PM	Southern Missouri Bancorp Beats On Clean Credit And A Higher Dividend, But Management Signals Margin Compression Ahead (Earnings Whispers)
Oct-21-26 05:04PM	Southern Missouri Bancorp: Fiscal Q1 Earnings Snapshot (Associated Press)
04:59PM	SOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR FIRST QUARTER OF FISCAL 2027; DECLARES QUARTERLY DIVIDEND OF $0.27 PER COMMON SHARE; CONFERENCE CALL SCHEDULED FOR THURSDAY, OCTOBER 22, AT 9:30 AM CENTRAL TIME (GlobeNewswire)
Jul-24-26 09:02PM	Southern Missouri Bancorp Inc (SMBC) (Q4 2026) Earnings Call Highlights: Strong Earnings Growth ... (GuruFocus.com)
Jul-22-26 05:21PM	Southern Missouri Bancorp: Fiscal Q4 Earnings Snapshot (Associated Press)
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04:58PM	SOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR FOURTH QUARTER OF FISCAL 2026; DECLARES QUARTERLY DIVIDEND OF $0.27 PER COMMON SHARE; CONFERENCE CALL SCHEDULED FOR THURSDAY, JULY 23, AT 9:30 AM CENTRAL TIME (GlobeNewswire)
Apr-22-26 06:07PM	Southern Missouri Bancorp: Fiscal Q3 Earnings Snapshot (Associated Press)
06:00PM	SOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR THIRD QUARTER OF FISCAL 2026; DECLARES QUARTERLY DIVIDEND OF $0.25 PER COMMON SHARE; CONFERENCE CALL SCHEDULED FOR THURSDAY, APRIL 23, AT 9:30 AM CENTRAL TIME (GlobeNewswire)
Feb-18-26 09:46AM	Is the Options Market Predicting a Spike in Southern Missouri Bancorp Stock? (Zacks)
Jan-28-26 08:00PM	Southern Missouri Bancorp Inc (SMBC) Q2 2026 Earnings Call Highlights: Strong EPS Growth and ... (GuruFocus.com)
Jan-22-26 12:07PM	Southern Missouri Bancorp Q2 Earnings Call Highlights (MarketBeat)
Jan-21-26 06:45PM	Southern Missouri Bancorp (SMBC) Q2 Earnings Beat Estimates (Zacks) +5.20%
05:37PM	Southern Missouri Bancorp: Fiscal Q2 Earnings Snapshot (Associated Press Finance)
05:30PM	SOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR SECOND QUARTER OF FISCAL 2026; DECLARES QUARTERLY DIVIDEND OF $0.25 PER COMMON SHARE; CONFERENCE CALL SCHEDULED FOR THURSDAY, JANUARY 22, AT 9:30 AM CENTRAL TIME (GlobeNewswire)
Dec-12-25 09:55AM	Should You Buy Southern Missouri Bancorp (SMBC) After Golden Cross? (Zacks)
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Dec-08-25 12:00PM	All You Need to Know About Southern Missouri Bancorp (SMBC) Rating Upgrade to Buy (Zacks)
Nov-04-25 08:07PM	Southern Missouri Bancorp Inc (SMBC) Q1 2026 Earnings Call Highlights: Navigating Growth Amid ... (GuruFocus.com)
Oct-29-25 09:40AM	Are Investors Undervaluing Southern Missouri Bancorp (SMBC) Right Now? (Zacks)
Oct-22-25 06:09PM	Southern Missouri Bancorp: Fiscal Q1 Earnings Snapshot (Associated Press Finance)
06:00PM	SOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR FIRST QUARTER OF FISCAL 2026; DECLARES QUARTERLY DIVIDEND OF $0.25 PER COMMON SHARE; CONFERENCE CALL SCHEDULED FOR THURSDAY, OCTOBER 23, AT 9:30 AM CENTRAL TIME (GlobeNewswire)
Oct-20-25 05:15PM	ServisFirst Bancshares (SFBS) Lags Q3 Earnings and Revenue Estimates (Zacks)
Oct-17-25 11:45AM	Why Southern Missouri Bancorp (SMBC) is a Top Dividend Stock for Your Portfolio (Zacks)
Jul-27-25 09:00PM	Southern Missouri Bancorp Inc (SMBC) Q4 2025 Earnings Call Highlights: Strong Earnings Growth ... (GuruFocus.com)
Jul-23-25 04:54PM	Southern Missouri Bancorp: Fiscal Q4 Earnings Snapshot (Associated Press Finance)
04:30PM	SOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR FOURTH QUARTER OF FISCAL 2025; DECLARES QUARTERLY DIVIDEND OF $0.25 PER COMMON SHARE; CONFERENCE CALL SCHEDULED FOR THURSDAY, JULY 24, AT 9:30 AM CENTRAL TIME (GlobeNewswire)
Apr-28-25 06:16AM	Southern Missouri Bancorp: Interesting On Margin Rebuild And Credit Loss Record (Seeking Alpha)
Apr-25-25 11:49AM	Southern Missouri Bancorp, Inc. (SMBC) Q3 2025 Earnings Call Transcript (Seeking Alpha)
Apr-21-25 07:10PM	Southern Missouri Bancorp (SMBC) Q3 Earnings and Revenues Top Estimates (Zacks) +6.71%
06:09PM	Southern Missouri Bancorp: Fiscal Q3 Earnings Snapshot (Associated Press Finance)
06:00PM	SOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR THIRD QUARTER OF FISCAL 2025; DECLARES QUARTERLY DIVIDEND OF $0.23 PER COMMON SHARE; CONFERENCE CALL SCHEDULED FOR TUESDAY, APRIL 22, AT 8:30 AM CENTRAL TIME (GlobeNewswire)
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Mar-31-25 06:00PM	SOUTHERN MISSOURI BANCORP ANNOUNCES UPDATE TO ITS EXECUTIVE LEADERSHIP TEAM (GlobeNewswire)
Mar-28-25 12:00PM	Southern Missouri Bancorp (SMBC) Upgraded to Strong Buy: Here's Why (Zacks)
Feb-07-25 07:32AM	SMBC taps ex-TD exec as Americas COO (Banking Dive)
Jan-27-25 07:25PM	Southern Missouri Bancorp (SMBC) Beats Q2 Earnings and Revenue Estimates (Zacks)
06:21PM	Southern Missouri Bancorp: Fiscal Q2 Earnings Snapshot (Associated Press Finance)
06:08PM	SOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR SECOND QUARTER OF FISCAL 2025; DECLARES QUARTERLY DIVIDEND OF $0.23 PER COMMON SHARE; CONFERENCE CALL SCHEDULED FOR TUESDAY, JANUARY 28, AT 9:30 AM CENTRAL TIME (GlobeNewswire)
Jan-15-25 10:28AM	Is the Options Market Predicting a Spike in Southern Missouri Bancorp (SMBC) Stock? (Zacks)
Nov-15-24 06:33AM	Southern Missouri Bancorp Shows Strong Growth and Restructuring (TipRanks)
Nov-01-24 05:00PM	Southern Missouri Bancorp Inc (SMBC) Q1 2025 Earnings Call Highlights: Navigating Growth Amidst ... (GuruFocus.com)
Oct-31-24 12:00PM	Southern Missouri Bancorp (SMBC) Upgraded to Buy: Here's What You Should Know (Zacks)
Oct-28-24 06:55PM	Southern Missouri Bancorp (SMBC) Misses Q1 Earnings Estimates (Zacks)
05:51PM	Southern Missouri Bancorp: Fiscal Q1 Earnings Snapshot (Associated Press Finance)
05:35PM	SOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR FIRST QUARTER OF FISCAL 2025; DECLARES QUARTERLY DIVIDEND OF $0.23 PER COMMON SHARE; CONFERENCE CALL SCHEDULED FOR TUESDAY, OCTOBER 29, AT 9:30AM CENTRAL TIME (GlobeNewswire)
Aug-09-24 09:55AM	Here's Why Southern Missouri Bancorp (SMBC) Is a Great 'Buy the Bottom' Stock Now (Zacks)
Aug-02-24 12:00PM	All You Need to Know About Southern Missouri Bancorp (SMBC) Rating Upgrade to Strong Buy (Zacks)
Jul-29-24 07:00PM	Southern Missouri Bancorp (SMBC) Q4 Earnings and Revenues Top Estimates (Zacks) +9.32%
06:06PM	Southern Missouri Bancorp: Fiscal Q4 Earnings Snapshot (Associated Press Finance)
05:45PM	Southern Missouri Bancorp Reports Preliminary Results for Fourth Quarter of Fiscal 2024; Declares Quarterly Dividend of $0.23 Per Common Share; Conference Call Scheduled for Tuesday, July 30, at 9:30am Central Time (GlobeNewswire)
Apr-29-24 09:52PM	SMBC Stock Earnings: Southern Missouri Bancorp Beats EPS, Misses Revenue for Q3 2024 (InvestorPlace)
07:05PM	Southern Missouri Bancorp (SMBC) Q3 Earnings and Revenues Top Estimates (Zacks)
06:00PM	Southern Missouri Bancorp: Fiscal Q3 Earnings Snapshot (Associated Press Finance)
05:50PM	SOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR THIRD QUARTER OF FISCAL 2024; DECLARES QUARTERLY DIVIDEND OF $0.21 PER COMMON SHARE; CONFERENCE CALL SCHEDULED FOR TUESDAY, APRIL 30, AT 9:30AM CENTRAL TIME (GlobeNewswire)
Feb-01-24 08:22AM	Southern Missouri Bancorp, Inc. (NASDAQ:SMBC) Q2 2024 Earnings Call Transcript (Insider Monkey)
Jan-30-24 06:36AM	Southern Missouri Bancorp Inc Reports Modest Earnings Growth in Q2 Fiscal 2024 (GuruFocus.com)
Jan-29-24 07:00PM	Southern Missouri Bancorp (SMBC) Misses Q2 Earnings and Revenue Estimates (Zacks)
05:59PM	Southern Missouri Bancorp: Fiscal Q2 Earnings Snapshot (Associated Press Finance)
05:45PM	SOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR SECOND QUARTER OF FISCAL 2024; DECLARES QUARTERLY DIVIDEND OF $0.21 PER COMMON SHARE; CONFERENCE CALL SCHEDULED FOR TUESDAY, JANUARY 30, AT 9:30AM CENTRAL TIME (GlobeNewswire)
Dec-13-23 05:41PM	Southern Missouri Bancorp (SMBC) Soars 5.5%: Is Further Upside Left in the Stock? (Zacks) +5.45%
Oct-25-23 10:46AM	Southern Missouri Bancorp, Inc. (NASDAQ:SMBC) Q1 2024 Earnings Call Transcript (Insider Monkey)
Oct-24-23 11:59PM	Q1 2024 Southern Missouri Bancorp Inc Earnings Call (Thomson Reuters StreetEvents)
Oct-23-23 06:44PM	Southern Missouri Bancorp Inc (SMBC) Reports Preliminary Q1 2024 Results: Net Income Rises by 36.9% (GuruFocus.com)
06:15PM	Southern Missouri Bancorp (SMBC) Beats Q1 Earnings Estimates (Zacks)
05:07PM	Southern Missouri Bancorp: Fiscal Q1 Earnings Snapshot (Associated Press Finance)
05:00PM	SOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR FIRST QUARTER OF FISCAL 2024; DECLARES QUARTERLY DIVIDEND OF $0.21 PER COMMON SHARE; CONFERENCE CALL SCHEDULED FOR TUESDAY, OCTOBER 24, AT 9:30 AM CENTRAL TIME (GlobeNewswire)
Sep-14-23 05:01AM	Insider Buying: Director Dennis Robison Acquires 360 Shares of Southern Missouri Bancorp Inc (GuruFocus.com)
Aug-09-23 06:03AM	Is It Smart To Buy Southern Missouri Bancorp, Inc. (NASDAQ:SMBC) Before It Goes Ex-Dividend? (Simply Wall St.)
Aug-03-23 07:01AM	U.S. SEC to fine Japan's SMBC Nikko Securities $9 mln - TV Tokyo (Reuters)
Jul-29-23 08:06AM	Southern Missouri Bancorp (NASDAQ:SMBC) Has Announced A Dividend Of $0.21 (Simply Wall St.)
Jul-25-23 11:22PM	Q4 2023 Southern Missouri Bancorp Inc Earnings Call (Thomson Reuters StreetEvents) +7.15%
Jul-24-23 06:55PM	Southern Missouri Bancorp (SMBC) Q4 Earnings and Revenues Top Estimates (Zacks)
05:52PM	Southern Missouri Bancorp: Fiscal Q4 Earnings Snapshot (Associated Press Finance)
05:15PM	Southern Missouri Bancorp Reports Preliminary Results for Fourth Quarter of Fiscal 2023; Declares Quarterly Dividend of $0.21 Per Common Share; Conference Call Scheduled for Tuesday, July 25, at 9:30 am Central Time (GlobeNewswire)
Jul-17-23 10:00AM	Analysts Estimate Southern Missouri Bancorp (SMBC) to Report a Decline in Earnings: What to Look Out for (Zacks)
Jun-30-23 08:39AM	Institutional investors own a significant stake of 43% in Southern Missouri Bancorp, Inc. (NASDAQ:SMBC) (Simply Wall St.)
Jun-03-23 08:15AM	Southern Missouri Bancorp's (NASDAQ:SMBC) investors will be pleased with their decent 57% return over the last three years (Simply Wall St.)
May-24-23 04:58AM	Ex-SMBC Nikko Executives Plead Not Guilty to Market Rigging (Bloomberg)
May-07-23 08:05AM	Here's What We Like About Southern Missouri Bancorp's (NASDAQ:SMBC) Upcoming Dividend (Simply Wall St.)
May-02-23 11:30PM	Q3 2023 Southern Missouri Bancorp Inc Earnings Call (Thomson Reuters StreetEvents) -11.14%
May-01-23 07:35PM	Southern Missouri Bancorp (SMBC) Q3 Earnings Miss Estimates (Zacks)
06:29PM	Southern Missouri Bancorp: Fiscal Q3 Earnings Snapshot (AP Finance)
06:15PM	SOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR THIRD QUARTER OF FISCAL 2023; DECLARES QUARTERLY DIVIDEND OF $0.21 PER COMMON SHARE; CONFERENCE CALL SCHEDULED FOR TUESDAY, MAY 2, AT 9:30AM CENTRAL TIME (GlobeNewswire)
Apr-29-23 08:21AM	Southern Missouri Bancorp (NASDAQ:SMBC) Has Affirmed Its Dividend Of $0.21 (Simply Wall St.)
Apr-27-23 09:35AM	West Bancorp (WTBA) Q1 Earnings Top Estimates (Zacks)
Apr-20-23 06:38AM	Bullish Southern Missouri Bancorp, Inc. (NASDAQ:SMBC) insiders filled their treasuries with US$620k worth of stock over last year (Simply Wall St.)
Apr-19-23 10:01AM	Brookline Bancorp (BRKL) Expected to Beat Earnings Estimates: What to Know Ahead of Q1 Release (Zacks)
Apr-17-23 10:00AM	Southern Missouri Bancorp (SMBC) to Report Q3 Results: Wall Street Expects Earnings Growth (Zacks)
Mar-30-23 08:54PM	Japan regional banks can weather foreign bond losses - regulatory official (Reuters)
Feb-01-23 03:26PM	Southern Missouri Bancorp, Inc. (NASDAQ:SMBC) Q2 2023 Earnings Call Transcript (Insider Monkey)
Jan-30-23 07:35PM	Southern Missouri Bancorp (SMBC) Q2 Earnings and Revenues Miss Estimates (Zacks)
06:00PM	Southern Missouri Bancorp Reports Preliminary Results for Second Quarter of Fiscal 2023; Declares Quarterly Dividend of $0.21 Per Common Share; Conference Call Scheduled for Tuesday, January 31, at 9:30am Central Time (GlobeNewswire)
Jan-26-23 09:15AM	Heritage Financial (HFWA) Q4 Earnings Match Estimates (Zacks)
Jan-20-23 05:00PM	Southern Missouri Bancorp, Inc. Announces Completion of Merger With Citizens Bancshares Co. (GlobeNewswire)
Jan-06-23 12:15PM	SOUTHERN MISSOURI BANCORP AND CITIZENS BANCSHARES CO. ANNOUNCE DEADLINE FOR ELECTION OF FORM OF MERGER CONSIDERATION (GlobeNewswire)
Jan-05-23 08:32AM	Southern Missouri Bancorp, Inc. (NASDAQ:SMBC) is favoured by institutional owners who hold 55% of the company (Simply Wall St.)
Dec-09-22 08:08AM	Southern Missouri Bancorp (NASDAQ:SMBC) shareholders have earned a 12% CAGR over the last three years (Simply Wall St.)
Nov-12-22 07:17AM	Southern Missouri Bancorp First Quarter 2023 Earnings: EPS Misses Expectations (Simply Wall St.)
Oct-31-22 04:08AM	SMBC Nikko Posts Record Loss on Market Rigging Fallout (Bloomberg)
Oct-28-22 06:34AM	Southern Missouri Bancorp's (NASDAQ:SMBC) Dividend Will Be $0.21 (Simply Wall St.)
02:35AM	SMBC Nikko Admits Market Manipulation Charges at Tokyo Court (Bloomberg)

Show Previous News

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Hensley Todd E.	Director	Sep 09 '26	Sale	72.66	10,851	788,391	533,740	Sep 10 03:20 PM
Hensley Todd E.	Director	Sep 08 '26	Sale	73.48	4,749	348,957	544,591	Sep 10 03:20 PM
Todd E. Hensley	Director	Sep 08 '26	Proposed Sale	73.52	15,600	1,146,912		Sep 08 07:20 PM
HECKER MARK E	EVP-CHIEF CREDIT OFFICER	Aug 18 '26	Sale	75.53	2,685	202,802	0	Aug 20 03:07 PM
HECKER MARK E	Officer	Aug 18 '26	Proposed Sale	76.01	185	14,061		Aug 18 10:44 AM
HECKER MARK E	Officer	Aug 17 '26	Proposed Sale	76.27	2,500	190,675		Aug 17 12:06 PM
HECKER MARK E	EVP-CHIEF CREDIT OFFICER	Jul 29 '26	Option Exercise	35.83	4,000	143,320	11,895	Jul 31 04:43 PM
Windes Richard	EVP-CHIEF LENDING OFFICER	Jun 05 '26	Sale	69.70	2,000	139,400	5,375	Jun 09 05:00 PM
Richard Windes	Officer	Jun 05 '26	Proposed Sale	68.83	2,000	137,660		Jun 05 10:28 AM
Windes Richard	EVP-CHIEF LENDING OFFICER	May 27 '26	Option Exercise	37.40	2,000	74,800	7,375	May 29 05:28 PM
Windes Richard	EVP-CHIEF LENDING OFFICER	May 21 '26	Sale	68.47	2,000	136,945	5,375	May 22 05:06 PM
Richard Windes	Officer	May 21 '26	Proposed Sale	67.59	2,000	135,180		May 21 12:01 PM
BAGBY DOUGLAS	Director	May 06 '26	Sale	68.90	580	39,964	21,220	May 08 03:34 PM
Windes Richard	EVP-CHIEF LENDING OFFICER	May 01 '26	Option Exercise	34.35	2,000	68,700	7,375	May 05 04:54 PM
Love Charles R	Director	Mar 04 '26	Sale	64.00	580	37,120	15,220	Mar 04 04:55 PM
Young William E	Retired Director	Nov 20 '25	Sale	53.87	1,500	80,801	93,552	Nov 21 12:54 PM
William E Young	Retired Director	Nov 20 '25	Proposed Sale	53.87	1,500	80,801		Nov 21 12:54 PM

Southern Missouri Bancorp, Inc. is as a holding company, which engages in the provision of financial services. The firm focuses on attracting retail deposits from the general public and using such deposits along with wholesale funding from the Federal Home Loan Bank of Des Moines (FHLB), and, to a lesser extent, brokered deposits, to invest in one- to four-family residential mortgage loans, mortgage loans secured by commercial real estate, commercial non-mortgage business loans, and consumer loans. The company was founded on December 30, 1993 and is headquartered in Poplar Bluff, MO.

Chairman & CEOMr. Greg A. Steffens

President & Chief Administrative OfficerMr. Matthew T. Funke

Executive VP & Chief Financial OfficerMr. Stefan Chkautovich

Executive VP & Chief Banking OfficerMr. Justin G. Cox

Market Chairman & DirectorMr. Daniel L. Jones C.P.A.

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Southern Missouri Bancorp Inc

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