Southern Missouri Bancorp to Showcase Strategy at KBW Summer Bank Conference on July 28, 2026

Details on Investor Conference Presentation Filing

On July 27, 2026, Southern Missouri Bancorp disclosed its participation in the KBW Summer Bank Conference, a key event for financial institutions to engage with institutional investors, analysts, and market participants. The disclosure was made through a Regulation FD filing, ensuring fair and simultaneous access to material information for all investors. The investor presentation dated July 27, 2026, is included in the company's regulatory filing as Exhibit 99.1 and is accessible via the SEC's EDGAR database.

The annual KBW Summer Bank Conference allows banking firms to present their strategic initiatives, financial performance, and market outlook to a wide audience of institutional investors and equity research analysts. By pre-filing the presentation materials, Southern Missouri Bancorp guarantees that all market participants receive the information simultaneously, complying with securities laws mandating fair disclosure.

Company Overview and Market Presence

Southern Missouri Bancorp, Inc., incorporated in Missouri, operates from its headquarters at 2991 Oak Grove Road, Poplar Bluff, Missouri 63901. The company trades on NASDAQ under the symbol SMBC and holds IRS Employer Identification Number 43-1665523. Its common stock, par value $0.01 per share, is listed on the NASDAQ Stock Market LLC, providing liquidity and visibility to institutional and retail investors.

The filing does not clarify whether Southern Missouri Bancorp qualifies as an emerging growth company under the Securities Act of 1933 or the Securities Exchange Act of 1934. Investors seeking further information can contact the company at (573) 778-1800.

Regulation FD Compliance and Investor Relations Approach

Southern Missouri Bancorp’s filing of its investor presentation materials aligns with Regulation FD, a SEC rule requiring public companies to disclose material information fairly to all investors. By submitting the presentation via an 8-K current report on July 27, 2026, the company ensured that retail and institutional investors, as well as analysts, received the information simultaneously rather than selectively at the conference.

This transparent communication approach highlights the company’s commitment to equitable corporate governance and shareholder treatment. The filing under Item 7.01 for Regulation FD Disclosure efficiently distributes investor materials without necessitating additional financial disclosures or SEC form requirements.

Timing and Market Context of the Conference Presentation

The KBW Summer Bank Conference presentation is scheduled for Tuesday, July 28, 2026, one day after the filing date. This schedule enables investors to review the presentation in advance, facilitating informed participation whether attending or following the event remotely. Such timing is standard for bank conferences, where materials are typically released shortly before or concurrent with the live presentation.

Summer banking conferences serve as vital platforms for regional and community banks to discuss competitive positioning, industry trends, and investor inquiries on asset quality, profitability, and growth strategies. Southern Missouri Bancorp’s involvement reflects its ongoing engagement with investors and market analysts.

Filing Exhibits and Documentation Structure

The 8-K filing includes two exhibits as outlined in Item 9.01: Exhibit 99.1 contains the investor presentation dated July 27, 2026, and Exhibit 104 is the Cover Page Interactive Data File embedded within Inline XBRL documents, providing machine-readable metadata for regulatory and data aggregation purposes. Together, these exhibits complete the filing documentation.

The filing does not summarize the presentation content, as the 8-K serves primarily to notify investors of the availability of materials. For detailed insights into Southern Missouri Bancorp’s operations, financial results, and strategy, investors should consult Exhibit 99.1 via the SEC’s EDGAR system.

Executive Authorization and Filing Certification

Matthew T. Funke, President and Chief Administrative Officer of Southern Missouri Bancorp, authorized and signed the filing on July 27, 2026. His certification confirms compliance with securities laws and affirms the accuracy and completeness of the disclosure. Funke’s role signifies his operational and administrative authority to execute regulatory filings on behalf of the company.

The senior officer’s signature ensures the disclosure has undergone appropriate management review, reinforcing accountability standards required for public company filings.

Ensuring Fair Disclosure and Investor Accessibility

By submitting the investor presentation under Regulation FD, Southern Missouri Bancorp fulfills its obligation to provide all investors—whether institutional, retail, domestic, or international—with simultaneous access to the information presented at the conference. This prevents information asymmetry that could disadvantage shareholders not attending the event.

The 8-K filing mechanism offers an efficient way to distribute presentation materials broadly without imposing additional regulatory burdens. Investors tracking Southern Missouri Bancorp’s disclosures through regulatory filings, financial news, or investor relations platforms will have equal opportunity to review the July 27, 2026 presentation alongside conference participants.

Implications for Investors and Market Analysts

Institutional investors, equity research analysts, and market professionals monitoring Southern Missouri Bancorp benefit from transparency about when material information is publicly shared. The filing allows investors to assess the company’s strategic direction, financial health, and management commentary in a timely manner. It also underscores Southern Missouri Bancorp’s proactive investor engagement through industry events and structured communications.

The timing and format of this disclosure indicate the company’s commitment to a regular cadence of investor updates aligned with market events, helping shareholders and prospective investors stay informed on corporate developments and strategic priorities within the banking sector.

Commitment to SEC Compliance and Corporate Governance

Southern Missouri Bancorp’s adherence to Regulation FD disclosure requirements demonstrates its dedication to complying with federal securities regulations and upholding public company governance standards. Timely filing of investor presentation materials ensures the company meets its legal duties to disclose material information fairly and simultaneously, avoiding selective disclosure that could disadvantage any shareholder group.

The filing process reflects the SEC’s framework to promote transparency, fairness, and integrity in securities markets. Companies sharing information at investor conferences or analyst meetings must ensure all public disclosures are made available concurrently through proper channels—a standard Southern Missouri Bancorp has met for its KBW Summer Bank Conference presentation.