Southern Missouri Bancorp, Inc.

NASDAQ•SMBC

CEO: Mr. Greg A. Steffens

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 1994-04-12

Southern Missouri Bancorp, Inc. operates as the bank holding company for Southern Bank that provides banking and financial services to individuals and corporate customers in the United States. The company offers deposits products, including interest-bearing and noninterest-bearing transaction accounts, saving accounts, certificates of deposit, retirement savings plans, and money market deposit accounts. It also provides loans, such as residential mortgage, commercial real estate, construction, and commercial business loans; and consumer loans comprising home equity, direct and indirect automobile loans, second mortgages, mobile home loans, and loans secured by deposits. In addition, the company offers fiduciary and investment management services; commercial and consumer insurance; online and mobile banking services; and debit or credit cards. The company was founded in 1887 and is headquartered in Poplar Bluff, Missouri.

Contact Information

2991 Oak Grove Road, Poplar Bluff, MO, 63901, United States

573-778-1800

www.bankwithsouthern.com

Market Cap

$684.83M

P/E (TTM)

10.5

13.7

Dividend Yield

1.6%

52W High

$66.56

52W Low

$45.10

52W Range

77%

Rank36Top 31.8%

4.5

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 4.5 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q2 2026 Data

Revenue

$79.01M+3.56%

4-Quarter Trend

EPS

$1.62+24.62%

4-Quarter Trend

FCF

$20.15M+0.00%

4-Quarter Trend

2026 Q2 Earnings Highlights

Key Highlights

Strong Net Income Growth Net income rose 24.7% to $33.8M for six months ended December 31, 2025, driven by robust net interest income expansion.

Net Interest Margin Expansion NIM increased 23 basis points to 3.57% for the six months, benefiting from lower funding costs and higher asset yields.

Solid Loan Portfolio Growth Net loans grew 3.0% to $4.17B since June 30, 2025, led by increases in 1-4 family and commercial real estate lending.

Strong Capital Ratios Maintained Consolidated Common Equity Tier 1 ratio stood at 12.12% as of December 31, 2025, significantly exceeding the 4.50% regulatory minimum.

Risk Factors

Increased Credit Loss Provision Provision for Credit Losses doubled year-over-year to $6.18M for six months, reflecting higher expected credit loss estimates.

Rising Nonperforming Loans Nonperforming loans increased to $29.7M (0.71% of net loans) compared to $23.0M (0.57%) at June 30, 2025.

Interest Rate Risk Exposure Sensitivity analysis shows significant NPV decline under severe rate increases, though current curve steepening is favorable.

Managing Real Estate Concentration Closely monitoring non-owner occupied CRE concentration (39.4% of gross loans) and real estate values for potential credit impact.

Outlook

NIM Outlook Favorable Management expects net interest spread to expand if the yield curve remains steep, benefiting from lower short-term funding costs.

Asset Quality Monitoring ACL adequacy remains key focus amid economic uncertainty; management continues disciplined credit review and quarterly allowance adjustments.

Deposit Growth Strategy Focus remains on growing non-maturity deposits to fund asset growth, partially offsetting reliance on brokered deposits and FHLB advances.

Regulatory Adaptation Ongoing Company is evaluating impact of adopting new accounting pronouncements, including ASU 2023-09 and ASU 2025-08.

Peer Comparison

Revenue (TTM)

CUBI

$1.41B

+3.9%

CAC

$367.34M

+26.8%

TCBX

$366.95M

+8.5%

Gross Margin (Latest Quarter)

THFF

96.6%

+26.3pp

FCBC

90.9%

+4.8pp

BCAL

83.9%

+0.0pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
CUBI	$2.29B	10.2	11.2%	6.9%
MCBS	$812.68M	11.0	14.8%	11.3%
CAC	$775.54M	11.8	9.8%	9.2%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

1.1%

Moderate Growth

4Q Net Income CAGR

5.1%

Profitability Improving

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Apr 20, 2026

EPS:$1.55

Revenue:$49.98M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data