The beat was modest but credit quality improved and NIM expanded. Watch the conference call on Oct 22 for commentary on loan growth sustainability and deposit cost trends, especially given the increase in performing modifications to $51.1M.
Price Chart
Executive Summary
Southern Missouri Bancorp reported Q1 fiscal 2027 EPS of $1.73, a 4.2% beat vs consensus of $1.66, and net income of $19.1M (+22% YoY). Net interest margin expanded 13 bps to 3.70%, credit quality improved with NPLs down 3.6% QoQ, and the company maintained its $0.27 quarterly dividend while repurchasing $1.4M in stock. The beat was driven by higher net interest income (+8.3%) and a lower provision for credit losses.
Key Financial Metrics
Key Facts
- EPS of $1.73 beat consensus of $1.66 by 4.2%
- Net income of $19.1M, up 22% YoY
- Net interest margin expanded 13 bps to 3.70%
- Nonperforming loans fell 3.6% QoQ to 0.60% of gross loans
- Quarterly dividend maintained at $0.27 per share
- Repurchased 19,000 shares for $1.4M at avg price $72.63
- Tangible book value per share rose 11.9% YoY to $48.52
Financial Impact
EPS beat consensus by $0.07 (4.2%); net income up $3.4M YoY
Risk Factors
- Performing loan modifications surged to $51.1M from $31.0M, primarily one commercial loan
- AOCL increased to $14.4M from $9.8M due to higher market interest rates
- Non-interest bearing deposits declined $20.1M QoQ
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3385948 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 21, 2026 5d ago | Press Release | $71.77 $71.90 | ▲ +0.18% | ▲ +0.70% | $71.90 (+0.18%) |
Oct 21, 2026 5d ago | 8-K | $71.77 $71.90 | ▲ +0.18% | ▲ +0.70% | $71.90 (+0.18%) |
Sep 21, 2026 5w ago | DEF 14A | $72.03 $71.45 | ▼ −0.81% | ▼ −0.79% | $71.90 (−0.18%) |
Aug 18, 2026 9w ago | 144 | $75.81 $74.01 | ▼ −2.37% | ▼ −2.58% | $71.90 (−5.16%) |
Jul 22, 2026 13w ago | 8-K | $77.72 $77.63 | ▼ −0.12% | ▼ −0.22% | $71.90 (−7.49%) |
Jul 22, 2026 13w ago | Press Release | $77.72 $77.63 | ▼ −0.12% | ▼ −0.22% | $71.90 (−7.49%) |
US Market Status
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