SMBC
Southern Missouri Bancorp, Inc.62.22
+0.48+0.78%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q2 '26
Q&A reaffirms with NIM, paydown color
Q&A largely reaffirmed the prepared remarks' upbeat tone on Q2 earnings, lower provisions, and mid-single-digit FY2026 loan growth, while surfacing modest color on unexpected paydowns—including a C&I client fleeing to a bigger bank—and aggressive loan pricing competition in the low 6s/high 5s. Management expects NIM spreads to widen in March via falling deposit costs (betas ~40%), with loans repricing at breakeven and muted liquidity builds. Buybacks stay price-dependent, balancing M&A pursuits in footprint or adjacent banks. Charge-offs eyed at historical norms, sans specialty CRE tail. Q&A adds little thesis-altering news.
Key Stats
Market Cap
702.51MP/E (TTM)
11.40Basic EPS (TTM)
5.46Dividend Yield
0.02%Recent Filings
8-K
Q2 EPS jumps 24.6%
Southern Missouri Bancorp filed an 8-K on February 9, 2026, disclosing an investor presentation for the February 10 Piper Sandler forum, highlighting Q2 fiscal 2026 EPS of $1.62, up 24.6% year-over-year, with ROA at 1.42% and ROE at 12.8%. Loans hit $4.2 billion, up 3.0% sequentially; tangible book value per share reached $44.65. Board approved repurchasing up to 550,000 shares. Strong profitability persists.
10-Q
Q2 FY2026 results
Southern Missouri Bancorp posted solid Q2 FY2026 results through December 31, 2025, with net income up 24% y/y to $18.2M ($1.62 diluted EPS) on 12% higher net interest income of $42.9M—net interest margin expanded 23bps y/y to 3.57% as deposit costs fell while loans grew. Loans rose 3% q/q to $4.2B, fueled by residential and commercial real estate, yet provision for credit losses climbed to $1.7M amid rising nonperformers at 0.71% of loans. Deposits edged up 0.6% q/q to $4.3B, cash fell to $134M, FHLB debt steady at $102M. Non-GAAP metrics not disclosed in the 10-Q. Non-owner CRE exposure trails peers.
8-K
Q2 net income jumps 24%
Southern Missouri Bancorp posted preliminary Q2 fiscal 2026 net income of $18.2 million, up 23.9% year-over-year, fueled by 12.4% higher net interest income at 3.57% margin while provision for credit losses rose to $1.7 million amid climbing nonperformers. Board declared $0.25 quarterly dividend, payable February 27, and authorized repurchasing up to 550,000 shares—or 5% of outstanding. Strong earnings persist.
8-K
Bylaws amended, modernized
Southern Missouri Bancorp amended its Bylaws on November 25, 2025, effective immediately, updating the home office address and shifting the annual stockholder meeting to the fourth Monday in October. Changes modernize governance by allowing electronic notices, video conference board participation, and special meetings called by a majority of directors, Chairman, CEO, or President. Routine housekeeping. No financial impact disclosed.
8-K
Q1 EPS jumps 25.5%
Southern Missouri Bancorp filed an 8-K on November 10, 2025, disclosing its investor presentation for the November 11 Piper Sandler conference. Q1 fiscal 2026 diluted EPS hit $1.38, up 25.5% year-over-year, fueled by 8% earning asset growth and NIM expansion; loans reached $4.1B, tangible book value $43.35 per share. Loans grew steadily. Forward-looking statements highlight integration risks from past acquisitions.
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