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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 stock ticker logoCUBI
$1.41B
+3.9%
CAC stock ticker logoCAC
$367.34M
+26.8%
TCBX stock ticker logoTCBX
$366.95M
+8.5%

Gross Margin (Latest Quarter)

THFF stock ticker logoTHFF
96.6%
+26.3pp
FCBC stock ticker logoFCBC
90.9%
+4.8pp
BCAL stock ticker logoBCAL
83.9%
+0.0pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
CUBI$2.29B10.211.2%6.9%
MCBS$812.68M11.014.8%11.3%
CAC$775.54M11.89.8%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