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Southern Missouri Bancorp (SMBC)
NASDAQ:SMBC
RESEARCH TOOLSreports
Earnings Data
Report Date
Jul 28, 2025TBA Not Confirmed
Period Ending
2025 (Q4)Consensus EPS Forecast
1.28Last Year’s EPS
1.19Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 21, 2025
|% Change Since: 12.16%
|Next Earnings Date:Jul 28, 2025
Earnings Call Sentiment|Neutral
The earnings call presented a mixed picture with positive trends in earnings, deposit growth, and net interest margin. However, challenges such as increased nonperforming loans, rising delinquencies, and pressures in the agricultural segment temper the positive aspects.Company Guidance
During the Southern Missouri Bancorp earnings call for the third quarter of fiscal year 2025, several key financial metrics and trends were highlighted. The company reported an increase in net interest income and an expanded net interest margin of 3.39%, up from 3.15% a year ago, largely due to a lower cost of funds and fair value accretion income. Earnings per share for the quarter were $1.39, a rise from $1.30 in the previous quarter and $0.99 in the same quarter of the previous year. Despite a decrease in gross loan balances of $3.5 million from the previous quarter, there was a year-over-year increase of $252 million or nearly 7%. Deposit balances grew by $51 million during the quarter and by $275 million or about 7% year-over-year. Tangible book value per share increased by $4.86 or nearly 14% over the past year. However, credit quality showed some signs of stress, with nonperforming loans rising to $22 million, representing 0.55% of gross loans, an increase from $8 million in the previous quarter. The allowance for credit losses stood at $54.9 million, or 1.37% of gross loans, with net charge-offs for the quarter at $1.1 million. The company remains optimistic about achieving mid-single-digit loan growth for the full fiscal year, supported by a strong pipeline and disciplined lending practices.Improved Earnings and Profitability
Earnings and profitability improved due to a larger earning asset base, with net interest income up 3.5% quarter-over-quarter and 14.4% year-over-year.
Strong Deposit Growth
Deposit balances increased by about $51 million in the third quarter and increased by $275 million or about 7% year-over-year.
Tangible Book Value Increase
Tangible book value per share increased by $4.86 or almost 14% over the last 12 months.
Positive Trends in Net Interest Margin
Net interest margin for the quarter was 3.39%, up from 3.15% a year ago and 3.36% from the previous quarter.
Pipeline and Loan Growth Potential
Despite a seasonal decline, there is optimism for at least mid-single-digit loan growth for the fiscal year with a strong pipeline totaling $163 million.
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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
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SMBC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 21, 2025 | $49.26 | $52.57 | +6.72% |
Jan 27, 2025 | $57.64 | $58.61 | +1.68% |
Oct 28, 2024 | $59.33 | $58.94 | -0.66% |
Jul 29, 2024 | $49.86 | $54.50 | +9.31% |
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.
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FAQ
When does Southern Missouri Bancorp (SMBC) report earnings?
Southern Missouri Bancorp (SMBC) is schdueled to report earning on Jul 28, 2025, TBA Not Confirmed.
What is Southern Missouri Bancorp (SMBC) earnings time?
Southern Missouri Bancorp (SMBC) earnings time is at Jul 28, 2025, TBA Not 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 2025 (Q4) is 1.28.
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