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Southern Missouri Bancorp
Southern Missouri Bancorp (SMBC) investor relations material
Southern Missouri Bancorp Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary22 Jan, 2026
Executive summary
Earnings and profitability improved quarter over quarter, driven by lower provision for credit losses, a larger earning asset base, and increased non-interest income.
Diluted EPS for the December quarter was $1.62, up 17.4% from the prior quarter and 24.6% year-over-year, with preliminary net income for Q2 fiscal 2026 at $18.2 million, up 23.9% year-over-year.
Management remains optimistic about sustaining solid profitability and growth into the second half of the fiscal year, as reflected in continued dividend payments and share repurchase authorizations.
Quarterly dividend of $0.25 per share declared, marking the 127th consecutive quarterly dividend.
Financial highlights
Net interest margin (NIM) was 3.57%, flat sequentially, but would have been 3.63% excluding $678,000 in reversed interest income from non-accrual loans.
Net interest income rose 12.4% year-over-year to $42.9 million, driven by a 5.0% increase in average interest-earning assets.
Tangible book value per share increased by 14.8% year-over-year to $44.65.
Efficiency ratio improved to 50.9% from 55.3% year-over-year.
Return on assets was just over 1.4% for the quarter.
Outlook and guidance
Expectation for mid-single-digit loan growth for fiscal year 2026 remains intact.
Margin tailwinds are anticipated to come primarily from lower deposit costs rather than loan pricing.
Personnel costs are expected to rise by mid-single digits in the March quarter due to annual merit increases.
Charge-offs are expected to normalize to historical averages in coming quarters.
Forward-looking statements caution about risks from economic uncertainty, integration of acquisitions, and market conditions.
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Next Southern Missouri Bancorp earnings date
Q3 202621 Apr, 2026
Southern Missouri Bancorp
Next Southern Missouri Bancorp earnings date
Q3 202621 Apr, 2026
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Frequently asked questions
Southern Missouri Bancorp, Inc. is a bank holding company that operates through its subsidiary, Southern Bank. The company provides a range of banking and financial services, including deposits, commercial and consumer loans, mortgage lending, and wealth management. It serves individuals, businesses, and agricultural clients, focusing on communities in Missouri, Arkansas, and surrounding regions. The company is headquartered in Poplar Bluff, Missouri, and its shares are listed on the NASDAQ.
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