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Southern Missouri Bancorp
Southern Missouri Bancorp (SMBC) investor relations material
Southern Missouri Bancorp Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary22 Jan, 2026
Executive summary
Net income for Q2 fiscal 2026 was $18.2 million, up 23.9% year-over-year and 17.4% sequentially, with diluted EPS of $1.62, up 17.4% from the prior quarter and 24.6% year-over-year.
Net income for the six months ended December 31, 2025, was $33.8 million, up 24.7% year-over-year, with fully diluted EPS of $3.00 and annualized ROAA of 1.33%.
Management remains optimistic about sustaining solid profitability and growth, supported by continued asset growth and capital strength.
Financial highlights
Net interest margin was 3.57% for the quarter and six months, up 23 bps year-over-year; would have been 3.63% excluding $678,000 in reversed interest income from non-accrual loans.
Net interest income rose 12.4% year-over-year to $42.9 million for the quarter and 14.0% to $85.3 million for the six months.
Tangible book value per share increased by 14.8% year-over-year to $44.65.
Efficiency ratio improved to 50.9% from 55.3% year-over-year.
Return on assets was just over 1.4% for the quarter; annualized ROAA was 1.33% for the six months.
Outlook and guidance
Expectation for mid-single-digit loan growth for fiscal year 2026 remains intact, with asset growth funded by deposits and supplemented by brokered funding and FHLB borrowings.
Margin tailwinds are anticipated from lower deposit costs rather than loan pricing.
Personnel costs are expected to rise by mid-single digits in the March quarter due to annual merit increases.
Charge-offs are expected to normalize to historical averages in coming quarters.
Market expectations are for further reductions in the federal funds rate and some steepening of the yield curve.
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Next Southern Missouri Bancorp earnings date
Q3 202621 Apr, 2026
Southern Missouri Bancorp
Next Southern Missouri Bancorp earnings date
Q3 202621 Apr, 2026
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Frequently asked questions
Southern Missouri Bancorp, Inc. is a bank holding company that operates through its subsidiary, Southern Bank. The company provides a range of banking and financial services, including deposits, commercial and consumer loans, mortgage lending, and wealth management. It serves individuals, businesses, and agricultural clients, focusing on communities in Missouri, Arkansas, and surrounding regions. The company is headquartered in Poplar Bluff, Missouri, and its shares are listed on the NASDAQ.
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