Southern Missouri Bancorp Q1 FY27 EPS Up 25% to $1.73; Dividend Raised to $0.27
SMBC sits 42% above its 52-week low of $49.68.
Summary
Southern Missouri Bancorp reported preliminary Q1 fiscal 2027 net income of $19.1M ($1.73 diluted EPS), up 22% year-over-year, and raised its quarterly dividend to $0.27 from $0.25. Credit metrics improved modestly, though performing loan modifications jumped to $51.1M.
Key Events · Earnings and Guidance · SMBC
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Q1 FY27 Earnings Rise 22%
Preliminary net income of $19.1M, or $1.73 per diluted share, up 25.4% from $1.38 a year ago.
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Dividend Raised to $0.27
The 130th consecutive quarterly dividend rises from $0.25, payable November 30, 2026 to holders of record November 13.
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Margin Expansion, Lower Provision
Net interest margin widened to 3.70% from 3.57%, and the provision for credit losses fell to $3.0M from $4.5M a year ago.
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Credit Stress Still Visible
Nonperforming assets eased to $32.4M (0.61% of assets) from $33.5M, but performing loan modifications jumped to $51.1M from $31.0M, driven by one commercial and industrial loan.
Analysis · SMBC · Finance
Earnings rose 22% year-over-year to $19.1M, helped by a wider net interest margin (3.70% vs 3.57%) and a smaller credit provision ($3.0M vs $4.5M). Still, the quarter was softer than the linked quarter: EPS fell 5.5% from $1.83 as the prior period carried a $1.7M tax-credit benefit that did not repeat. The credit picture is mixed. Nonperforming assets eased to $32.4M from $33.5M, but performing loan modifications more than doubled to $51.1M from $31.0M, mostly one commercial and industrial loan, pointing to continued agricultural and commercial credit stress flagged in the fiscal 2026 10-K. The clearest positive is the dividend rising to $0.27 from $0.25, and buybacks continued at $72.63 per share.
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In the 30 days to Oct 21, 2026, 28.9% of the 1511 measured filings Wiseek scored 7 moved their stock by 5% or more by the next session's close. The median move was -0.54%. These are measured outcomes after filings of this importance, not a forecast for this one.
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At the time of this filing, SMBC was trading at $70.46 on NASDAQ in the Finance sector, with a market capitalization of approximately $776M. The 52-week trading range was $49.68 to $79.86. This filing was assessed with positive market sentiment and an importance score of 7 out of 10.