Quarterly ResultJul 22, 2026, 04:59 PM
Southern Missouri Bancorp Q4 Net Income $20.3M, EPS $1.83; FY26 EPS $6.43
AI Summary
Southern Missouri Bancorp, Inc. reported preliminary net income of $20.3 million for the fourth quarter of fiscal 2026, a 28.5% increase year-over-year, with diluted EPS of $1.83. For the full fiscal year 2026, net income was $71.8 million, up 22.6%, and diluted EPS was $6.43. The company also declared a quarterly cash dividend of $0.27 per share, an 8.0% increase, and repurchased 317,000 shares for $18.6 million in fiscal 2026. Balance sheet growth was noted with gross loans increasing 7.1% for the fiscal year, though nonperforming loans also saw an increase.
Key Highlights
- Q4 2026 Net Income: $20.3 million, an increase of 28.5% year-over-year.
- Q4 2026 Diluted EPS: $1.83, an increase of $0.44 year-over-year.
- FY 2026 Diluted EPS: $6.43, an increase of 24.1% compared to FY 2025.
- Quarterly cash dividend: $0.27 per share, an 8.0% increase from prior quarter.
- Q4 2026 Net Interest Margin: 3.67%, up from 3.47% in the prior year period.
- Tangible book value per share: $47.43, up 13.3% from June 30, 2025.
- Gross loan balances increased by $291.2 million (7.1%) for the full fiscal year 2026.
- Nonperforming loans (NPLs): $27.7 million, or 0.63% of gross loans at June 30, 2026.
Price Impact
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