The Motley Fool·Oct 29, 2026
Southern Missouri Bancorp: 3 Key Takeaways for Long-Term InvestorsGross loans grew by $64 million during the quarter. Core certificates of deposit increased by $95 million.
SMBC's net interest income has risen from $34.5M in 2024Q3 to $45.9M in 2027Q1, with the latest quarter showing 8.3% year-over-year growth that appears to reflect both acquired loan volume and repricing dynamics.
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| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q4 2026Latest Oct 21, 2026 | $1.73+4.2% vs $1.66 | $53M+0.9% vs $53M |
Q3 2026 Jul 22, 2026 | $1.83+20.4% vs $1.52 | $52M+1.2% vs $51M |
Q2 2026 Apr 22, 2026 | $1.60+3.2% vs $1.55 | $50M+0.8% vs $50M |
Q1 2026 Jan 21, 2026 | $1.62+3.8% vs $1.56 | $50M-0.6% vs $50M |
Gross loans grew by $64 million during the quarter. Core certificates of deposit increased by $95 million.
Southern Missouri Bancorp NASDAQ: SMBC reported fiscal first-quarter 2027 diluted earnings per share of $1.73, compared with $1.83 in the preceding June quarter, as loan and deposit growth continued while expenses increased and management prepared for seasonal shifts in agricultural lending and deposits.
Southern Missouri Bancorp, Inc. ( SMBC ) Q1 2027 Earnings Call October 22, 2026 10:30 AM EDT Company Participants Stefan Chkautovich - Executive VP & Chief Financial Officer Matthew Funke - President & Chief Administrative Officer Greg Steffens - Chairman & CEO Conference Call Participants Brendan Nosal - Hovde Group, LLC, Research Division Jordan Ghent - Stephens Inc., Research Division Andrew Liesch - StoneX Financial, Inc., Research Division Nicholas Holowko - Raymond James & Associates, Inc., Research Division Nathan Race - Piper Sandler & Co., Research Division Presentation Operator Thank you for joining us, and welcome to the Southern Missouri Bancorp Earnings Conference Call. [Operator Instructions] I will now hand the conference over to Stefan Chkautovich, Chief Financial Officer.
Southern Missouri Bancorp (SMBC) came out with quarterly earnings of $1.73 per share, beating the Zacks Consensus Estimate of $1.67 per share. This compares to earnings of $1.42 per share a year ago.
Benchmark SMBC against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Southern Missouri Bancorp, Inc. (SMBC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $70.46 | $776.16M | 10.31 | 9.81% | 38.16% | 12.91% | 1.42% | |
| $30.41 | $4.36B | 15.02 | 16.23% | 42.9% | 15.14% | 2.43% | |
| $36.31 | $748.21M | 11.25 | 4.57% | 29.92% | 13.61% | 2.85% | |
| $52.83 | $2.75B | 12.68 | 14.54% | 28.98% | 11.31% | 2.7% | |
| $22.74 | $3.26B | 17.14 | 7.23% | 36.65% | 8.52% | 3.59% | |
| $23.34 | $3.39B | 13.00 | -86.6% | 27.54% | 7.61% | 3.66% |
Southern Missouri Bancorp, Inc. (SMBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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Southern Missouri Bancorp, Inc. (SMBC) SEC filings — annual & quarterly reports (10-K, 10-Q)
Nov 4, 2026·SEC
Oct 29, 2026·SEC
Oct 21, 2026·SEC
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Southern Missouri Bancorp, Inc. (SMBC) stock FAQ — growth, dividends, profitability & financials explained
Southern Missouri Bancorp, Inc. (SMBC) grew revenue by 5.1% over the trailing twelve months, compared with the twelve months before.
Yes. Southern Missouri Bancorp, Inc. (SMBC) earned $75.3M in net income over the trailing twelve months (a 38.2% net margin).
Yes. Southern Missouri Bancorp, Inc. (SMBC) pays a dividend that yields 1.42% at the current price, a moderate yield.
Southern Missouri Bancorp, Inc. (SMBC) had a return on equity (ROE) of 12.9% over the trailing twelve months. That is in line with the market's typical 10-15%.
Southern Missouri Bancorp, Inc. (SMBC) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.
Southern Missouri Bancorp, Inc. (SMBC) has an efficiency ratio of 50.8%. This is excellent, indicating strong cost control.
