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Southern Missouri Bancorp (SMBC)
NASDAQ:SMBC
Earnings Data
Report Date
May 04, 2026TBA (Confirmed)
Period Ending
2026 (Q3)Consensus EPS Forecast
1.52Last Year’s EPS
1.39Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call reflects solid operational and financial momentum: materially stronger EPS, higher net interest income year-over-year, robust loan originations, improved net interest margin when adjusted for two troubled credits, growing core deposits, strengthened tangible book value and active capital return via buybacks. Offsetting these positives are modest increases in nonperforming assets driven by two specific relationships, ongoing agricultural sector pressure for certain borrowers, seasonal constraints limiting near-term loan growth, and some margin/rehabbing risks from maturities and prepayments. Management characterizes problem assets as manageable, highlighted a meaningful recovery in a previously discussed specialty CRE relationship, maintained prudent underwriting and increased reserves where appropriate. Overall, the highlights outweigh the lowlights, with execution, capital flexibility and improving credit trends supporting a constructive outlook despite localized credit and seasonal challenges.Company Guidance
Earnings Per Share Growth
Diluted EPS of $1.62 for the quarter, up $0.24 (17.4%) sequentially and up $0.32 (24.6%) year-over-year, reflecting improved profitability.
Provision for Credit Loss Improvement
Provision for credit losses of ~$1.7 million, a decrease of $2.8 million sequentially, contributing to improved earnings and a net recovery for the quarter.
Strong Loan Production and Year-over-Year Loan Growth
Quarterly loan originations nearly $312 million (strongest quarter in several years); gross loan balances increased $35 million in the quarter and are up almost $200 million, or ~5%, versus prior year.
Net Interest Income and Margin Trends
Net interest income up just over 1% sequentially and up 12.4% year-over-year. Reported NIM 3.57% (flat sequentially); adjusted for reversed interest on two nonaccruals NIM would be ~3.63% (up ~6 bps sequentially).
Deposit and Core Funding Strength
Total deposits increased ~ $28 million in the quarter and $98 million (2.3%) versus prior year. Core deposit growth (excluding brokered) ~ $170 million or 4.3% over 12 months; brokered deposits down $72 million over last 12 months.
Capital Build and Share Repurchase Activity
Tangible book value per share $44.65, up $5.74 (almost 15%) year-over-year. Repurchased 148,000 shares for $8.1 million (avg $54.32/share, 122% of tangible book), and board approved new authorization to repurchase up to 550,000 shares (~5% of shares outstanding).
Allowance Coverage and Net Recoveries
Allowance for credit losses $54.5 million (1.29% of gross loans) and coverage ~184% of NPLs. The quarter produced net recoveries annualized of 7 bps versus net charge-offs of 36 bps in the prior quarter, aided by a $2.0 million recovery on a specialty CRE relationship.
Controlled Operating Costs and Revenue Diversification
Noninterest income increased 3.1% sequentially (higher wealth management fees, interchange and deposit fees); noninterest expense rose <1% quarter-over-quarter despite increased compensation and data processing costs.
M&A Optionality
Management highlights an active M&A opportunity set (~75 banks in footprint with $500M–$2B in assets) and maintains capital flexibility to pursue acquisitions given improved capital and recent buybacks.
SMBC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
SMBC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 21, 2026 | $63.47 | $63.62 | +0.24% |
Oct 22, 2025 | $50.06 | $51.56 | +2.99% |
Jul 29, 2025 | $55.13 | $53.98 | -2.10% |
Apr 21, 2025 | $48.63 | $51.89 | +6.71% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Southern Missouri Bancorp (SMBC) report earnings?
Southern Missouri Bancorp (SMBC) is schdueled to report earning on May 04, 2026, TBA (Confirmed).
What is Southern Missouri Bancorp (SMBC) earnings time?
Southern Missouri Bancorp (SMBC) earnings time is at May 04, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is SMBC EPS forecast?
SMBC EPS forecast for the fiscal quarter 2026 (Q3) is 1.52.