The earnings call reflected strong financial performance with notable earnings growth, dividend increases, and improved net interest margins. However, there are concerns about credit quality deterioration, increased provisions for credit losses, and challenges in the agricultural sector.

Company Guidance

During the Southern Missouri Bancorp earnings call, the company reported a solid financial performance for the final quarter of fiscal year 2025, with earnings per diluted share at $1.39, unchanged from the previous quarter but up 17% year-over-year. The net interest margin improved to 3.46%, with plans to adjust the calculation method in fiscal 2026 to reduce volatility. Gross loan balances increased by $76 million, or 7.6% annualized, while deposit balances rose by $20 million or about 2% annualized. Despite an increase in provision for credit losses to $2.5 million, up from $932,000 in the previous quarter, the company remains optimistic about fiscal 2026, expecting mid-single-digit loan growth. Additionally, Southern Missouri Bancorp announced a dividend increase of $0.02, bringing it to $0.25 per share, reflecting their strong capital position. The company continues to focus on credit quality, with adversely classified loans totaling $50 million, or 1.2% of total loans, and nonperforming loans at $23 million, representing 0.56% of gross loans. The call also highlighted challenges in the agricultural sector, with rising input costs and soft commodity prices impacting farmers' profitability.

Earnings Growth

Earnings per share in the June quarter were $1.39, unchanged from the March quarter but up $0.20 from the June 2024 quarter, marking a 17% growth year-over-year. For the full year fiscal '25, earnings were $5.18, up from $4.42 in fiscal '24.

Dividend Increase

Announced a $0.02 or 8.7% increase in the quarterly dividend, bringing it to $0.25 per share.

Net Interest Margin Improvement

Net interest margin for the quarter was 3.46%, up from 3.39% in the previous quarter, benefiting from higher loan yields and deploying lower-yielding excess interest-earning cash into higher-yielding loans.

Loan Growth

Gross loan balances increased by $76 million during the quarter and $250 million compared to the previous year, with a pipeline of $224 million expected in the next 90 days.

Tangible Book Value Increase

Tangible book value per share increased by $5.19 or just above 14% over the last 12 months to $41.87.

Southern Missouri Bancorp (SMBC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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SMBC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 27, 2025	2026 (Q1)	1.31 / -	1.1	―	―	―
Jul 29, 2025	2025 (Q4)	1.25 / 1.39	1.19	16.81% (+0.20)	―
Apr 21, 2025	2025 (Q3)	1.29 / 1.39	0.99	40.40% (+0.40)	―
Jan 27, 2025	2025 (Q2)	1.24 / 1.30	1.07	21.50% (+0.23)	―
Oct 28, 2024	2025 (Q1)	1.11 / 1.10	1.16	-5.17% (-0.06)	―
Jul 29, 2024	2024 (Q4)	0.99 / 1.19	1.37	-13.14% (-0.18)	―
Apr 29, 2024	2024 (Q3)	0.98 / 0.99	0.22	350.00% (+0.77)	―
Jan 29, 2024	2024 (Q2)	1.11 / 1.07	1.26	-15.08% (-0.19)	―
Oct 23, 2023	2024 (Q1)	1.09 / 1.16	1.04	11.54% (+0.12)	―
Jul 24, 2023	2023 (Q4)	1.04 / 1.37	1.41	-2.84% (-0.04)

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
Jul 29, 2025	$55.60	$54.43	-2.10%
Apr 21, 2025	$49.04	$52.33	+6.71%
Jan 27, 2025	$57.38	$58.34	+1.67%
Oct 28, 2024	$59.06	$58.67	-0.66%

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 Oct 27, 2025, TBA (Confirmed).

What is Southern Missouri Bancorp (SMBC) earnings time?

Southern Missouri Bancorp (SMBC) earnings time is at Oct 27, 2025, 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 (Q1) is 1.31.

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