The call reflected a mix of positive financial performance and growth in earnings, net interest margin, and dividends. However, these were tempered by challenges in credit quality, increased provisions for credit losses, and difficulties in the agricultural sector, leading to a balanced outlook.

Company Guidance -

Q1 2026

During the Southern Missouri Bancorp Earnings Conference Call on July 25, 2025, the company provided several important financial metrics and forward-looking guidance. For the June quarter, the company reported earnings of $1.39 per diluted share, unchanged from the previous quarter but up 17% year-over-year. Full-year earnings for fiscal 2025 were $5.18 per share, up from $4.42 in fiscal 2024, largely driven by an increase in net interest income due to 7% growth in earning assets and net interest margin expansion. The net interest margin for the quarter was 3.46%, rising from 3.39% in the previous quarter. The bank also announced a quarterly dividend increase of 8.7%, raising it to $0.25 per share. Credit quality showed signs of deterioration, with nonperforming loans totaling $23 million, up $1.1 million from the previous quarter, but the allowance for credit losses remained robust at 1.26% of gross loans. Looking ahead to fiscal 2026, management expects continued margin expansion, strong loan growth, and a mid-single-digit increase in loans, despite potential challenges in the agricultural sector. Additionally, the bank is prepared for potential M&A opportunities given its solid capital position.

Earnings Growth

Quarter-over-quarter earnings slightly increased, with a 17% year-over-year growth in the June quarter, and full-year fiscal 2025 earnings increased from $4.42 in fiscal 2024 to $5.18.

Net Interest Margin Improvement

Net interest margin increased to 3.46%, up from 3.39% in the previous quarter, with a projection of further margin expansion in fiscal 2026.

Loan Growth

Gross loan balances increased by $76 million during the quarter, representing a 7.6% annualized growth rate.

Dividend Increase

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

Noninterest Income Growth

Noninterest income increased by 9.2% compared to the linked quarter, driven by a card network bonus.

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

Daily Earnings Calendar >

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	$55.85	$54.68	-2.09%
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%

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 (SMBC) report earnings?

Southern Missouri (SMBC) is schdueled to report earning on Oct 27, 2025, TBA (Confirmed).

What is Southern Missouri (SMBC) earnings time?

Southern Missouri (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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