# SOUTHERN MISSOURI BANCORP, INC. (SMBC) MD&A by fiscal year

Verbatim Item 7 Management's Discussion and Analysis sections from SOUTHERN MISSOURI BANCORP, INC.'s 10-K filings, one page per fiscal year. Extracted from SEC filings with the same bounded parser for every year. Filer text, not grepcent analysis or investment advice.

- [FY 2025 MD&A](/company/SMBC/mda/fy2025/): filed 2025-09-11; accession 0001558370-25-012001 (https://www.sec.gov/Archives/edgar/data/916907/000155837025012001/smbc-20250630x10k.htm); latest 10-K
- [FY 2024 MD&A](/company/SMBC/mda/fy2024/): filed 2024-09-13; accession 0001558370-24-012781 (https://www.sec.gov/Archives/edgar/data/916907/000155837024012781/smbc-20240630x10k.htm)
- [FY 2023 MD&A](/company/SMBC/mda/fy2023/): filed 2023-09-13; accession 0001558370-23-015713 (https://www.sec.gov/Archives/edgar/data/916907/000155837023015713/smbc-20230630x10k.htm)
- [FY 2022 MD&A](/company/SMBC/mda/fy2022/): filed 2022-09-13; accession 0001558370-22-014382 (https://www.sec.gov/Archives/edgar/data/916907/000155837022014382/smbc-20220630x10k.htm)
- [FY 2021 MD&A](/company/SMBC/mda/fy2021/): filed 2021-09-13; accession 0001558370-21-012437 (https://www.sec.gov/Archives/edgar/data/916907/000155837021012437/smbc-20210630x10k.htm)

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