Southern Missouri Bancorp Inc (NAS:SMBC)

Preliminary Q3 2025 Southern Missouri Bancorp Inc Earnings Call Transcript

Apr 22, 2025 / 01:30 PM GMT

Release Date Price: $52.79 (+6.71%)

Transcript 8-K

Key Points

Positve

Earnings and profitability improved quarter over quarter, driven by a larger earning asset base and increased net interest income.
Net interest margin increased to 3.39% from 3.15% a year ago, benefiting from lower cost of funds and fair value accretion.
Deposit balances increased by $51 million in the third quarter and $275 million year over year, primarily led by core CDs.
Tangible book value per share increased by almost 14% over the last 12 months.
The company has a strong pipeline for loan growth, expecting mid-single-digit growth for the fiscal year.

Negative

Non-performing loans increased by $14 million compared to the last quarter, totaling 0.55% of gross loans.
Loans past due 30 to 89 days increased by $8 million from December, indicating potential credit quality issues.
Non-interest income decreased by 2.9% quarter over quarter due to lower deposit account fees and lending fees.
Net charge-offs for the quarter were $1.1 million, up from $198,000 in the previous quarter.
The agricultural segment faces challenges due to declining commodity prices, weather-related losses, and higher input costs.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

SMBC.OQ - Southern Missouri Bancorp Inc
Preliminary Q3 2025 Southern Missouri Bancorp Inc Earnings Call
Apr 22, 2025 / 01:30PM GMT

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Presentation
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Unidentified_1 [1]
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Hello everyone, and thank you for joining the Southern Missouri Bangorp Earnings conference call. My name is Sammy and I'll be coordinating your call today.

During the presentation, you can register a question by pressing followed by 1 on your telephone keypad. If you change your mind, please press star, followed by 2.

I will now hand over to your host, Stefan Tumkovic, CFO, to begin. Please go ahead.

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Unidentified_2 [2]
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Thank you, Sammy. Good morning, everyone. This is Stefan Scaovich, CFO of Southern

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