Southern Missouri Bancorp Inc (NAS:SMBC)

Preliminary Q4 2025 Southern Missouri Bancorp Inc Earnings Call Transcript

Jul 24, 2025 / 02:30 PM GMT

Release Date Price: $57.35 (+1.54%)

Transcript 8-K

Key Points

Positve

Southern Missouri Bancorp Inc (SMBC) reported a year-over-year earnings growth of 17%, with earnings per share increasing from $4.42 in fiscal '24 to $5.18 in fiscal '25.
The company saw a tangible book value per share increase by 14% over the last 12 months, reaching $41.87.
Net interest margin improved to 3.46% from 3.39% in the previous quarter, driven by loan yield expansion and lower funding costs.
Gross loan balances increased by 7.6% annualized during the quarter, indicating strong loan growth.
Southern Missouri Bancorp Inc (SMBC) announced an 8.7% increase in quarterly dividends, bringing it to $0.25 per share, reflecting confidence in their financial position.

Negative

Credit quality has deteriorated somewhat, with non-performing loans increasing by $1.1 million compared to the last quarter.
Provision for credit losses rose to $2.5 million, up from $932,000 in the previous quarter, indicating increased credit risk.
The agricultural segment is facing challenges with rising input costs and lower commodity prices, impacting farmer profitability.
There is an expectation of higher prepayment activity in the near term, which could slow net loan growth.
The company experienced a $3.8 million charge-off related to a special purpose CRE loan, highlighting ongoing credit challenges.

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

SMBC.OQ - Southern Missouri Bancorp Inc
Preliminary Q4 2025 Southern Missouri Bancorp Inc Earnings Call
Jul 24, 2025 / 02:30PM 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 Bancorp 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 star, followed by 1 on your telephone keypad. If you change your mind, please press star followed by 2 to remove yourself from question queue.

I'll now like to hand over to our host Stefan Shokoovvich, CFO to begin. Please go ahead, Stefan.

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Unidentified_2 [2]
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Thank you, Sammy. Good morning,

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