Earnings summaries and quarterly performance for SOUTHERN MISSOURI BANCORP.
Executive leadership at SOUTHERN MISSOURI BANCORP.
Greg A. Steffens
Detailed
Chairman and Chief Executive Officer
CEO
JG
Justin G. Cox
Detailed
Executive Vice-President and Chief Banking Officer
MT
Matthew T. Funke
Detailed
President and Chief Administrative Officer
RA
Rick A. Windes
Detailed
Executive Vice-President and Chief Lending Officer
SC
Stefan Chkautovich
Detailed
Executive Vice-President and Chief Financial Officer
Board of directors at SOUTHERN MISSOURI BANCORP.
CR
Charles R. Love
Detailed
Director
DL
Daniel L. Jones
Detailed
Director
DP
Daniel P. McCoy
Detailed
Director
DJ
David J. Tooley
Detailed
Director
DL
David L. McClain
Detailed
Director
DC
Dennis C. Robison
Detailed
Director
KJ
Kenneth J. Bower
Detailed
Director
LD
L. Douglas Bagby
Detailed
Vice-Chairman and Lead Director
RM
Rebecca M. Brooks
Detailed
Director
TE
Todd E. Hensley
Detailed
Director
Research analysts who have asked questions during SOUTHERN MISSOURI BANCORP earnings calls.
MO
Matt Olney
Stephens Inc.
9 questions for SMBC
Also covers: BFST, BOKF, BSVN +21 more
Andrew Liesch
Piper Sandler
3 questions for SMBC
Also covers: AX, BANR, BOH +13 more
Charlie Driscoll
Keefe, Bruyette & Woods
3 questions for SMBC
Also covers: CVBF, FCF, FHB +3 more
KM
Kelly Motta
Keefe, Bruyette & Woods
3 questions for SMBC
Also covers: AX, BANR, BOH +20 more
NR
Nathan Race
Piper Sandler & Co.
3 questions for SMBC
Also covers: ALRS, BSVN, BWB +18 more
Charlie Driscoll
KBW
1 question for SMBC
Also covers: FBP, FHB, HFWA
NR
Nathan Rice
Piper Sandler
1 question for SMBC
Recent press releases and 8-K filings for SMBC.
Southern Missouri Bancorp Reports Q2 2026 Earnings and Strategic Updates
SMBC
Earnings
Share Buyback
M&A
- Southern Missouri Bancorp reported diluted earnings per share of $1.62 for the December quarter (Q2 2026), an increase of 17.4% from the linked September quarter and 24.6% from the December 2024 quarter.
- Gross loan balances increased by $35 million during Q2 2026, and deposit balances increased by about $28 million in the same quarter.
- The net interest margin (NIM) for the quarter was 3.57%, unchanged from the linked September quarter, but would have been 3.63% when excluding reversed interest income from two non-accrual loans.
- The company repurchased 148,000 shares for $8.1 million at an average price of $54.32 per share in Q2 2026, and the board approved a new program to repurchase up to 550,000 shares. M&A discussions have continued, and the company is optimistic about potential opportunities.
Jan 22, 2026, 3:30 PM
Southern Missouri Bancorp Reports Q2 2026 Financial Results
SMBC
Earnings
Share Buyback
M&A
- Southern Missouri Bancorp reported diluted earnings per share of $1.62 for the December quarter (Q2 2026), an increase of 17.4% from the linked September quarter and 24.6% from the December 2024 quarter.
- The net interest margin (NIM) for the quarter was 3.57%, unchanged from the linked September quarter. Excluding reversed interest income from two non-accrual loans, the NIM would have been 3.63%.
- Gross loan balances increased by $35 million during Q2 2026, with originations of almost $312 million. Deposit balances increased by about $28 million in the same quarter.
- The provision for credit loss expense was approximately $1.7 million, a decrease of $2.8 million compared to the linked September quarter. The allowance for credit losses totaled $54.5 million, representing 1.29% of gross loans at December 31, 2025.
- The company repurchased 148,000 shares at an average price of $54.32 per share for a total of $8.1 million in Q2 2026. A new program was approved to repurchase up to 550,000 shares, and the company remains optimistic about M&A opportunities.
Jan 22, 2026, 3:30 PM
Southern Missouri Bancorp Reports Strong Q2 2026 Earnings and Profitability
SMBC
Earnings
Share Buyback
M&A
- Southern Missouri Bancorp (SMBC) reported diluted earnings per share of $1.62 for the December quarter (Q2 2026), an increase of 17.4% from the linked September quarter and 24.6% from the December 2024 quarter.
- The company experienced a $35 million increase in gross loan balances during the second quarter, contributing to a 5% year-over-year growth, and anticipates achieving mid-single-digit loan growth for fiscal year 2026.
- Net interest margin (NIM) was 3.57%, unchanged from the prior quarter, but would have been 3.63% when adjusted for interest income reversed from two non-accrual loans.
- Credit quality improved with a $2.8 million decrease in provision for credit loss expense quarter-over-quarter, resulting in net recoveries of $704,000 for the quarter, despite a slight increase in non-performing loans to $30 million.
- SMBC repurchased 148,000 shares for $8.1 million in the second quarter and the board approved a new program to repurchase up to 550,000 shares.
Jan 22, 2026, 3:30 PM
Southern Missouri Bancorp, Inc. Reports Strong Q2 Fiscal 2026 Results and New Share Repurchase Program
SMBC
Earnings
Dividends
Share Buyback
- Southern Missouri Bancorp, Inc. (SMBC) reported preliminary net income of $18.2 million and diluted EPS of $1.62 for the second quarter of fiscal 2026, marking increases of 23.9% and 24.6% respectively, compared to the same period of the prior fiscal year.
- The company achieved an annualized return on average assets (ROAA) of 1.42% and return on average common equity of 12.8%, with a net interest margin of 3.57% and an improved efficiency ratio of 50.9% for the quarter ended December 31, 2025.
- Gross loan balances increased by $199.6 million, or 5.0%, to $4.2 billion as of December 31, 2025, compared to December 31, 2024, and tangible book value per share rose 14.8% to $44.65 compared to December 31, 2024.
- The Board of Directors declared a quarterly cash dividend of $0.25 per common share and authorized a new share repurchase program for up to 550,000 shares, following the near completion of the prior program.
Jan 21, 2026, 10:38 PM
Southern Missouri Bancorp Reports Q2 Fiscal 2026 Results, Declares Dividend, and Authorizes Share Buyback
SMBC
Earnings
Dividends
Share Buyback
- Southern Missouri Bancorp reported preliminary net income of $18.2 million and diluted EPS of $1.62 for the second quarter of fiscal 2026, representing increases of 23.9% and 24.6% respectively, compared to the same period in the prior fiscal year.
- The Board of Directors declared a quarterly cash dividend of $0.25 per common share.
- A new share repurchase program was authorized for up to 550,000 shares, or approximately 5.0% of outstanding common shares, following the near completion of the prior program.
- The company's net interest margin for the second quarter of fiscal 2026 was 3.57%, an increase from 3.34% reported for the year-ago period.
- Gross loan balances increased by 0.8% from September 30, 2025, and 5.0% from December 31, 2024, reaching $4.23 billion as of December 31, 2025.
Jan 21, 2026, 10:30 PM
Southern Missouri Bancorp, Inc. Reports Strong Q1 Fiscal 2026 and Fiscal Year 2025 Financial Results
SMBC
Earnings
Revenue Acceleration/Inflection
Dividends
- Southern Missouri Bancorp, Inc. (SMBC) reported diluted earnings per common share of $1.38 for the first quarter of fiscal 2026, marking a 25.5% increase from $1.10 in the prior year's comparable quarter.
- The company's tangible book value per share grew by 13.3% to $43.35 as of September 30, 2025, compared to $38.26 a year earlier.
- For fiscal year 2025, diluted EPS increased by 17.2% to $5.18, and tangible book value per share rose by 14.1% to $41.87 as of June 30, 2025.
- Loans, net of the Allowance for Credit Losses (ACL), reached $4.1 billion as of September 30, 2025, up 2.2% from June 30, 2025, while deposits were $4.3 billion as of June 30, 2025, an 8.6% increase from June 30, 2024.
- SMBC is scheduled to present its investor material at the Piper Sandler Financial Services Conference on November 11, 2025.
Nov 10, 2025, 9:40 PM
Southern Missouri Bancorp Reports Q1 2026 Earnings with NIM Expansion and Loan Growth
SMBC
Earnings
Share Buyback
Guidance Update
- Southern Missouri Bancorp (SMBC) reported diluted EPS of $1.38 for Q1 2026, a slight decrease of $0.01 from the linked quarter but an increase of $0.28 from the year-ago quarter.
- The company's net interest margin expanded to 3.57% in Q1 2026, up 10 basis points quarter-over-quarter, contributing to a 5.2% increase in net interest income.
- Gross loan balances grew by $91 million or 2.2% (8.8% annualized) during the quarter, and the company maintains a strong loan pipeline of approximately $195 million at September 30. SMBC expects to achieve mid-single-digit loan growth for the fiscal year.
- Credit quality saw an increase in non-performing loans to $26 million (0.62% of gross loans) and a provision for credit losses of $4.5 million. However, management anticipates charge-off activity to decline from recent levels and provisioning to be lower in future quarters.
- SMBC repurchased over 8,000 shares for $447,000 in Q1 2026 and plans to be more active in share buybacks given current market pricing.
Oct 23, 2025, 2:30 PM
Southern Missouri Bancorp Reports Q1 2026 Earnings with EPS of $1.38 and Loan Growth
SMBC
Earnings
Share Buyback
M&A
- Southern Missouri Bancorp (SMBC) reported diluted EPS of $1.38 for Q1 2026, alongside a net interest margin of 3.57%, which expanded from the prior quarter.
- Gross loan balances increased by $91 million or 2.2% during Q1 2026, with a strong loan pipeline of $195 million at September 30, and the company expects mid-single-digit loan growth for the fiscal year.
- Non-performing loans increased to $26 million (0.62% of gross loans) at September 30, and the provision for credit loss was $4.5 million for the quarter; however, management anticipates charge-off activity to decrease and provisioning to be lower in future quarters.
- The company repurchased over 8,000 shares in Q1 2026 and expects to be more aggressive with buybacks, while also noting a modest uptick in M&A discussions for potential targets around $1 billion in assets.
Oct 23, 2025, 2:30 PM
Quarterly earnings call transcripts for SOUTHERN MISSOURI BANCORP.
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