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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

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FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

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Date of Report (Date of earliest event reported) November 10, 2025

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SOUTHERN MISSOURI BANCORP, INC.

(Exact name of registrant as specified in its charter)

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Missouri |  | 000-23406 |  | 43-1665523
(State or other |  | (Commission File No.) |  | (IRS Employer
jurisdiction of incorporation) |  |  |  | Identification Number)

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2991 Oak Grove Road, Poplar Bluff, Missouri |  | 63901
(Address of principal executive offices) |  | (Zip Code)

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Registrant's telephone number, including area code: (573) 778-1800

N/A

(Former name or former address, if changed since last report)

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

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☐ | Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ | Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ | Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ | Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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Securities registered pursuant to Section 12(b) of the Act:

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Title of each class | Trading Symbol(s) | Name of each exchange on which registered
Common Stock, par value $0.01 per share | SMBC | The NASDAQ Stock Market LLC

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Indicate by check mark whether the registrant is an emerging growth company as deﬁned in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised ﬁnancial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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Item 7.01 Regulation FD Disclosure

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Included in Exhibit 99.1 is the investor presentation material of Southern Missouri Bancorp, Inc. to be presented Tuesday, November 11, 2025, at the Piper Sandler Financial Services Conference.

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Item 9.01 Financial Statements and Exhibits

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(d)Exhibits

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The following exhibits are filed herewith:

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Exhibit No.Exhibit

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| 99.1 | Investor Presentation Dated November 11, 2025

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104 Cover Page Interactive Data File (embedded within the Inline XBRL documents).

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SIGNATURES

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Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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|  | SOUTHERN MISSOURI BANCORP, INC.
Date: November 10, 2025 |  | By: | /s/ Matthew T. Funke
|  |  | Matthew T. Funke
|  |  | President and Chief Administrative Officer

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