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Southern Missouri Bancorp (SMBC) investor relations material
Southern Missouri Bancorp Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary23 Oct, 2025
Executive summary
Net income for the quarter ended September 30, 2025, was $15.7 million, up 25.6% year-over-year, with diluted EPS of $1.38, a 25.5% increase from the prior year and down $0.01 sequentially; consulting expenses related to a contract renegotiation reduced after-tax net income by $444,000.
Return on average assets was 1.24% and return on average equity was 11.3%, both higher than the prior year.
Tangible book value per share increased 13.3% year-over-year to $43.35.
Asset growth was modest at 0.3% from June 30, 2025, driven by loan growth, partially offset by declines in cash and securities.
Quarterly dividend of $0.25 per share declared, marking the 126th consecutive quarterly dividend.
Financial highlights
Net interest income increased 15.7% year-over-year to $42.4 million, with net interest margin rising to 3.57% from 3.34% a year ago.
Noninterest income declined 8.4% year-over-year to $6.6 million, mainly due to lower loan fees and gains on loan sales.
Noninterest expense fell 3.1% year-over-year to $25.1 million, with efficiency ratio improving to 51.1% from 59.0%.
Provision for credit losses was $4.5 million, up from $2.2 million a year ago, reflecting higher reserves for loan growth and economic conditions.
Net charge-offs annualized at 0.36% of average loans, up from 0.01% a year ago, but down from 0.53% in the prior quarter.
Outlook and guidance
Expectation for mid-single-digit loan growth for the fiscal year, with seasonal slowdown in loan growth and deposit inflows in the coming quarters.
Net interest income anticipated to continue growing, benefiting from margin expansion and asset growth.
Charge-offs and provision expenses expected to decline from recent elevated levels, barring unforeseen circumstances.
Remain liability-sensitive and expect to benefit from rate cuts, with 1%-3% net interest income increase per 100 basis points of rate cuts.
Management expresses confidence in future prospects, as reflected in continued dividend payments.
Outlook for future charge-offs and provision?
Capital allocation: Buybacks vs. M&A strategy?
Ag portfolio risk mitigation strategies?
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Next Southern Missouri Bancorp earnings date
Q2 202627 Jan, 2026
Next Southern Missouri Bancorp earnings date
Q2 202627 Jan, 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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