Southern Missouri Bancorp (SMBC)
NASDAQ:SMBC
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Earnings Data
Report Date
Jul 27, 2026TBA (Confirmed)
Period Ending
2026 (Q4)Consensus EPS Forecast
1.6Last Year’s EPS
1.39Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a generally constructive operational and financial picture: solid loan growth, increased net interest margin year-over-year, improving tangible book value and disciplined capital returns (share repurchases). Management acknowledged and proactively reserved for pockets of credit stress—most notably in the agricultural portfolio—and flagged near-term NIM headwinds, elevated NPAs relative to historical levels, rising expense items and CRE concentration. While challenges remain, management emphasized sufficient reserves, manageable problem-asset levels, and confidence in continuing improved profitability into the next quarter.Company Guidance
Earnings and Profitability Trend
Diluted EPS of $1.60 for the March quarter (down $0.02 sequentially but up $0.21 year-over-year); return on assets above 1.40% for the last two quarters, supporting management's confidence in earnings durability.
Net Interest Margin and Net Interest Income Expansion
Net interest margin of 3.67%, up 10 basis points sequentially and 23 basis points year-over-year; net interest income increased just under 1% quarter-over-quarter and just over 9% year-over-year, driven by earning asset growth and NIM expansion.
Strong Loan Growth and Originations
Gross loans grew $96 million in the quarter and nearly $300 million (7.4%) year-over-year; quarterly originations were ~$282 million, up $94 million versus the same quarter a year ago; loan pipeline for next 90 days increased to $178 million from $159 million.
Balance Sheet and Deposit Movement
Deposit balances rose about $33 million in the quarter and ~$80 million (~2%) year-over-year; management reduced brokered funding versus prior year and highlighted plans to launch a new business account to attract lower-cost operating deposits.
Capital and Shareholder Returns
Tangible book value per share of $45.80, up $5.43 or 13.5% year-over-year; repurchased 156,000 shares for $9.7 million at an average price of $61.97 (135% of tangible book value); capacity to retire $7.5 million of subordinated debt when callable.
Noninterest Income Improvement
Noninterest income rose $314,000 (4.6%) sequentially and fee income increased $424,000 (6.4%) year-over-year, supported by a gain on sale of a tax credit investment, BOLI earnings and higher deposit-related fees and interchange.
Allowance and Provisioning Discipline
Allowance for credit losses increased modestly to $55.9 million (1.29% of gross loans and 186% of NPLs) reflecting targeted reserve increases for pooled/ag exposure; provision for credit losses was $2.1 million, and management characterized PCLs as returning to more normalized levels.
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 |
|---|---|---|---|
Apr 22, 2026 | $65.66 | $67.59 | +2.94% |
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% |
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 Jul 27, 2026, TBA (Confirmed).
What is Southern Missouri Bancorp (SMBC) earnings time?
Southern Missouri Bancorp (SMBC) earnings time is at Jul 27, 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 (Q4) is 1.6.