Welcome to our dedicated page for Southern Missouri Bancorp news (Ticker: SMBC), a resource for investors and traders seeking the latest updates and insights on Southern Missouri Bancorp stock.
Southern Missouri Bancorp, Inc. (NASDAQ: SMBC) is the parent company of Southern Bank, a Missouri-based financial institution focused on community banking and savings activities. News about Southern Missouri Bancorp frequently centers on its quarterly and annual financial results, dividend declarations, and detailed balance sheet updates. The company issues regular press releases announcing preliminary earnings, net income per diluted share, net interest margin, and returns on average assets and common equity, giving investors insight into how loan growth, deposit trends, and funding costs are affecting performance.
SMBC’s news flow also highlights developments in its loan and deposit portfolios. The company reports changes in gross loan balances across categories such as one- to four-family residential real estate, non-owner occupied and owner occupied commercial real estate, multi-family real estate, construction and land development, agricultural real estate and production, commercial and industrial loans, and consumer loans. These updates often include commentary on concentrations in non-owner occupied commercial real estate and the composition of collateral, including multi-family properties, hospitality, care facilities, retail stand-alone properties, strip centers, and storage units.
On the funding side, Southern Missouri Bancorp’s releases describe movements in non-interest bearing deposits, NOW accounts, money market and savings accounts, certificates of deposit, brokered deposits, and public unit deposits, along with changes in Federal Home Loan Bank advances and securities sold under agreements to repurchase. Investors following SMBC news can also track nonperforming loans and assets, allowance for credit losses, and net charge-off trends, as the company provides regular updates on asset quality and credit loss provisioning under ASC 326-20.
Corporate actions and governance items, such as executive leadership changes, amendments to bylaws, and shareholder meeting results, are disclosed through news releases and Form 8-K filings. For ongoing coverage of SMBC, this news page aggregates the company’s earnings announcements, dividend declarations, investor presentations, and other material updates, allowing readers to review how Southern Missouri Bancorp’s financial condition and strategic decisions evolve over time.
Southern Missouri Bancorp (NASDAQ: SMBC) reported preliminary second-quarter fiscal 2026 results with net income of $18.2 million, up 23.9% year-over-year, and diluted EPS of $1.62, up $0.32 YoY. Annualized ROAA was 1.42% and return on average common equity was 12.8%. Net interest income rose to $42.9 million (+12.4% YoY) and net interest margin was 3.57%. Gross loans totaled $4.226 billion and total assets were $5.1 billion. Tangible book value per share was $44.65 (+14.8% YoY).
The board declared a quarterly cash dividend of $0.25 per share payable February 27, 2026 (record date February 13, 2026), and authorized repurchases of up to 550,000 shares (~5% outstanding).
Southern Missouri Bancorp (NASDAQ: SMBC) reported strong Q4 fiscal 2025 results with net income of $15.8 million, up 16.7% year-over-year. The company achieved earnings per share of $1.39, a $0.20 increase from the previous year.
Key performance metrics include ROA of 1.27% and ROE of 11.8%. Net interest margin improved to 3.46%, while net interest income grew 14.9% year-over-year. The bank's loan portfolio expanded by $249.9 million (6.5%) during fiscal 2025, with deposits increasing by $338.3 million (8.6%).
The Board declared a quarterly dividend of $0.25 per share, marking an 8.7% increase and the company's 125th consecutive quarterly dividend. However, nonperforming loans increased to 0.56% of gross loans, primarily due to several commercial relationships added during Q3 and Q4.
Southern Missouri Bancorp (NASDAQ: SMBC) reported strong Q3 fiscal 2025 results with net income of $15.7 million, up 38.7% year-over-year. Earnings per share reached $1.39, a 40.4% increase from the previous year.
Key performance metrics showed improvement with ROA at 1.27% and ROE at 12.1%. Net interest margin increased to 3.39%, while net interest income grew by 14.4% compared to the same quarter last year. Noninterest income rose 19.4% year-over-year.
The bank's balance sheet expanded with total assets reaching $5.0 billion. Deposits increased by $50.8 million (1.2%) quarter-over-quarter and $275.3 million (6.9%) year-over-year. The Board declared a quarterly dividend of $0.23 per share.
Notable concerns include a rise in nonperforming loans to $22.0 million (0.55% of gross loans) and net charge-offs of 0.11% annualized, primarily due to a single agricultural relationship with suspected fraudulent activity.
Southern Missouri Bancorp (NASDAQ: SMBC) has announced a significant leadership update, appointing Justin G. Cox to the newly-created position of Chief Banking Officer, effective May 1, 2025. Cox, currently serving as the west region's Regional President, will maintain his Executive Vice President role at both the Company and Southern Bank.
This strategic appointment follows recommendations from a recent process improvement project aimed at enhancing customer engagement, team member satisfaction, and organizational profitability. Cox brings 22 years of banking industry experience, including 15 years with Southern Bank, where he progressed from lending officer to leadership roles.
Southern Bank operates 67 locations across Missouri, Arkansas, Illinois, and Kansas, with total assets of approximately $4.9 billion, including $4.0 billion in net loans and $4.2 billion in deposits.
Southern Missouri Bancorp (NASDAQ: SMBC) reported Q2 fiscal 2025 net income of $14.7 million, up 20.2% year-over-year. Earnings per share reached $1.30, a 21.5% increase from the same quarter last year. The company's performance showed improvement with return on average assets at 1.21% and return on average equity at 11.5%.
Key financial metrics include a net interest margin of 3.36%, net interest income up 10.6% year-over-year, and noninterest income up 21.7%. Gross loan balances increased by $295.1 million (7.9%) year-over-year, while deposits grew by $225.1 million (5.6%). The company declared a quarterly dividend of $0.23 per share.
Asset quality remained strong with nonperforming loans at 0.21% of gross loans and an allowance for credit losses representing 659% of nonperforming loans. Total assets reached $4.9 billion, reflecting a 6.6% increase from June 30, 2024.
Southern Missouri Bancorp (NASDAQ: SMBC) reported Q1 fiscal 2025 net income of $12.5 million, down 5.3% year-over-year. Earnings per share decreased to $1.10 from $1.16, primarily due to higher provision for credit loss expense and increased non-interest expense. The company incurred a one-time cost of $840,000 for a performance improvement project. Key metrics include: net interest margin at 3.37%, loan growth of $116.7 million (3.0%) during Q1, and deposit growth of $97.1 million (2.5%). The Board declared a quarterly dividend of $0.23 per share.
Southern Missouri Bancorp (NASDAQ: SMBC) reported preliminary Q4 fiscal 2024 net income of $13.5 million, down 13% year-over-year. Earnings per share were $1.19, a decrease of $0.18. For the full fiscal year 2024, net income was $50.2 million, up $10.9 million from 2023, with EPS at $4.42.
Key highlights:
- Net interest margin: 3.25%, down from 3.60% year-ago
- Gross loans increased by $230.9 million (6.4%) in fiscal 2024
- Deposits increased by $226.9 million (6.1%) in fiscal 2024
- Quarterly cash dividend declared at $0.23 per share, up 9.5%
The company's balance sheet grew, with total assets reaching $4.6 billion, up 5.6% from June 30, 2023. The allowance for credit losses stood at 1.36% of gross loans.
Southern Missouri Bancorp, Inc. reported a significant increase in net income of $11.3 million for the third quarter of fiscal 2024, a 369% rise compared to the prior year. The increase was driven by reduced merger-related charges and growth in net interest income. Earnings per common share rose to $0.99, up 350% from the previous year. The company declared a dividend of $0.21 per common share and experienced balance sheet growth, with total assets reaching $4.6 billion. Nonperforming loans remained low, and the Company's efficiency ratio improved to 61.2%.
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