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

Investor Conference Presentation Filing Details

Southern Missouri Bancorp disclosed on July 27, 2026, that it will present at the KBW Summer Bank Conference, a significant event for financial institutions to communicate with institutional investors, analysts, and market participants. The disclosure was made through a Regulation FD filing, which requires public companies to provide fair disclosure of material information to all investors simultaneously. The investor presentation material, dated July 27, 2026, has been included in the company's regulatory filing as Exhibit 99.1, making it publicly available through the Securities and Exchange Commission's EDGAR database.

The KBW Summer Bank Conference is an annual industry event where banking companies present their strategic initiatives, financial performance, and market outlook to a broad audience of institutional investors and equity research analysts. By filing the presentation materials in advance through this regulatory disclosure, Southern Missouri Bancorp has ensured that all market participants have simultaneous access to the information being presented, consistent with securities law requirements for fair disclosure of company information.

Company Background and Market Position

Southern Missouri Bancorp, Inc. is a Missouri-incorporated financial services company with its principal executive offices located at 2991 Oak Grove Road, Poplar Bluff, Missouri 63901. The company trades on the NASDAQ under the ticker symbol SMBC and maintains its IRS Employer Identification Number as 43-1665523. The company's common stock, with a par value of $0.01 per share, is registered for trading on the NASDAQ Stock Market LLC, providing liquidity and visibility to a broad range of institutional and retail investors.

The filing does not specify whether Southern Missouri Bancorp qualifies as an emerging growth company under the Securities Act of 1933 or the Securities Exchange Act of 1934. The company's contact information, including its telephone number at (573) 778-1800, remains available to investors and stakeholders seeking additional information about the organization.

Regulation FD Disclosure and Investor Relations Framework

Southern Missouri Bancorp's decision to file its investor presentation materials represents compliance with Regulation FD, a Securities and Exchange Commission rule that requires publicly traded companies to disclose material information in a manner that provides fair access to all investors. By filing the presentation through an 8-K current report on July 27, 2026, the company ensured that retail investors, institutional investors, and analysts all received the information simultaneously rather than having select audiences gain early access at the conference itself.

This approach to investor communications demonstrates the company's commitment to transparent corporate governance and equal treatment of all shareholders. The filing mechanism used—specifically Item 7.01 for Regulation FD Disclosure—allows companies to provide information to the market without triggering the need for additional financial statement disclosures or other substantive SEC form requirements, making it an efficient method for distributing presentation materials and other investor-focused communications.

Conference Presentation Timing and Market Context

The KBW Summer Bank Conference presentation is scheduled for Tuesday, July 28, 2026, the day immediately following the filing date. This timing allows investors to review the disclosed presentation materials before the live event, enabling more informed participation by those attending in person or monitoring the conference proceedings. The compressed timeline between disclosure and presentation reflects standard industry practice for bank conferences, where materials are typically filed and released to the public shortly before or concurrent with the live presentation event.

Summer banking conferences provide important forums for regional and community banks to articulate their competitive positioning, discuss emerging industry trends, and address investor questions about asset quality, profitability, and strategic growth initiatives. Southern Missouri Bancorp's participation in the KBW Summer Bank Conference aligns with standard practice among publicly traded financial institutions seeking to maintain regular engagement with the investment community and capital markets analysts.

Document Filing and Exhibit Structure

The disclosure filing includes two exhibits, as detailed in Item 9.01 of the 8-K form. Exhibit 99.1 contains the investor presentation dated July 27, 2026, and is the substantive material being made available to the public through this filing. Exhibit 104 is the Cover Page Interactive Data File, embedded within the Inline XBRL documents, which provides machine-readable metadata about the filing for regulatory and data aggregation purposes. These exhibits together constitute the complete filing documentation.

The specific content and messaging within the investor presentation itself is not described or summarized in the regulatory filing document, as the 8-K form serves primarily to notify investors that presentation materials have been prepared and filed. Investors seeking detailed information about Southern Missouri Bancorp's operations, financial performance, strategic priorities, and market outlook should review the full investor presentation document (Exhibit 99.1) available through the SEC's EDGAR system.

Executive Authorization and Filing Certification

The disclosure was authorized and executed by Matthew T. Funke, who holds the position of President and Chief Administrative Officer at Southern Missouri Bancorp. Funke signed the filing on July 27, 2026, on behalf of the company, certifying that the disclosure complies with applicable securities laws and regulations. This signatory role indicates that Funke holds significant operational and administrative responsibility within the organization and is authorized to execute regulatory filings on the company's behalf.

The signature and certification by a senior company officer ensures that the disclosure has been reviewed and approved at an appropriate level within the organization's management structure. This requirement underscores the regulatory framework's emphasis on accountability for public company disclosures, requiring that officers with substantial company authority personally authorize the accuracy and completeness of information provided to the Securities and Exchange Commission and the investing public.

Fair Disclosure Obligations and Investor Access

By filing the investor presentation through the SEC's Regulation FD framework, Southern Missouri Bancorp has satisfied its obligation to ensure that all investors—whether institutional, retail, domestic, or international—have simultaneous access to information being presented at the conference. This regulatory requirement prevents scenarios in which information shared at a conference attended by select investors and analysts could create information asymmetries that disadvantage other shareholders not present at the event.

The 8-K filing mechanism provides an efficient and established method for companies to make presentations and other investor materials available to the broad market without triggering unnecessary regulatory burdens. Investors monitoring Southern Missouri Bancorp's disclosures through regulatory filings, financial news services, or investor relations platforms will have equal opportunity to review the July 27, 2026 investor presentation before or at the same time as conference attendees, ensuring level playing field access to the company's communications.

Practical Implications for Market Participants

For institutional investors, equity research analysts, and other market professionals following Southern Missouri Bancorp, the disclosure of this conference presentation provides transparency regarding when material company information will be shared publicly. Investors can plan to review the presentation materials and potentially assess their investment theses based on the company's stated strategic direction, financial positioning, and management commentary. The filing also serves as a reminder that the company actively engages with the investment community through industry forums and structured investor communications programs.

The timing and method of this disclosure suggest that Southern Missouri Bancorp maintains a regular schedule of investor engagement activities aligned with industry conferences and market events. Shareholders and prospective investors can use such filings as a guide to when company updates and strategic information will be communicated, enabling them to stay informed about corporate developments and management perspectives on business conditions and strategic priorities within the banking industry.

SEC Compliance and Corporate Governance Standards

Southern Missouri Bancorp's adherence to Regulation FD disclosure requirements demonstrates the company's commitment to compliance with federal securities regulations and standards for public company corporate governance. The timely filing of investor presentation materials ensures that the company meets its statutory obligations to disclose material information fairly and simultaneously to all market participants, avoiding selective disclosure practices that could disadvantage any segment of the shareholder base.

The filing documentation, while straightforward in its content, reflects the procedural framework that the Securities and Exchange Commission has established to promote transparency, fairness, and integrity in securities markets. Companies that participate in investor conferences, analyst meetings, and other forums where information is shared with subsets of the investment community must ensure that all publicly disclosed information is made available simultaneously through proper regulatory channels, a standard that Southern Missouri Bancorp appears to have followed in connection with its KBW Summer Bank Conference presentation.