

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.

Poplar Bluff, Missouri, Oct. 21, 2026 (GLOBE NEWSWIRE) -- Southern Missouri Bancorp, Inc. (“Company”) (NASDAQ: SMBC), the parent corporation of Southern Bank (“Bank”), today announced preliminary net income for the first quarter of fiscal 2027 of $19.1 million, an increase of $3.4 million, or 22.0%, as compared to the same period of the prior fiscal year. The increase was driven by higher net interest income, lower provision for credit losses (PCL), and higher noninterest income. This was partially offset by higher noninterest expense and higher provision for income taxes. Preliminary net income was $1.73 per fully diluted common share for the first quarter of fiscal 2027, an increase of $0.35, or 25.4%, as compared to $1.38 per fully diluted common share reported for the same period of the prior fiscal year.

Southern Missouri Bancorp (SMBC) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

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