Southern Missouri Bancorp

Southern Missouri Bancorp, Inc. is as a holding company, which engages in the provision of financial services. The firm focuses on attracting retail deposits from the general public and using such deposits along with wholesale funding from the Federal Home Loan Bank of Des Moines (FHLB), and, to a lesser extent, brokered deposits, to invest in one- to four-family residential mortgage loans, mortgage loans secured by commercial real estate, commercial non-mortgage business loans, and consumer loans. The company was founded on December 30, 1993 and is headquartered in Poplar Bluff, MO.

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

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Earnings data Q3 2023

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Earnings data Q2 2025

SMBC reports Q1 EPS decline after Citizens Bancshares merger

SMBC's Q1 2023 earnings call highlighted the impact of the Citizens Bancshares merger on financials, with a decline in EPS and increased net interest income. The company faces challenges related to loan classifications and expense trends but sees opportunities for growth in legacy loans and cost savings from the merger.

Southern Missouri Bancorp reports solid Q2 earnings post-merger success

Southern Missouri Bancorp demonstrated strong financial performance and strategic initiatives in Q2 2023, leveraging the merger with Citizens Bancshares for growth.
While facing challenges in credit quality and loan balances, the company's focus on managing risks and targeting growth areas indicates a proactive approach.
With a cautious stance on new M&A and a clear focus on optimizing the merger benefits, Southern Missouri Bancorp is poised for sustainable growth and market expansion.

Southern Missouri Bancorp reports Q3 growth amidst merger challenges

Southern Missouri Bancorp's Q3 performance reflected growth in core operations despite challenges like increased nonrecurring charges and higher expenses.
The company's strategic focus on optimizing cost savings, stabilizing net interest margin, and enhancing loan production yields positions it well for future profitability.
While facing pressure on cost of funds and tangible book value decline, Southern Missouri Bancorp can leverage opportunities in loan growth and operational efficiency to drive sustainable growth.

Southern Missouri Bancorp reports solid Q4 results amidst merger challenges

Southern Missouri Bancorp delivered a mixed performance in Q4 2023, with strong financial metrics but challenges in managing expenses and sustaining earnings growth.
The company's focus on asset quality, loan growth, and post-merger integration highlights its strategic priorities for future growth and stability.
Analyst inquiries during the earnings call underscored key areas of concern and potential opportunities for Southern Missouri Bancorp to address and capitalize on.
Overall, Southern Missouri Bancorp's financial results reflect a balance between strengths, challenges, and opportunities that will shape its strategic direction moving forward.

Southern Missouri Bancorp posts solid Q1 results amid growth opportunities

Southern Missouri Bancorp delivered a strong financial performance in Q1 2024, marked by earnings growth and robust loan portfolio expansion.
While facing challenges such as rising expenses and a pending loan dispute resolution, SMBC's focus on asset quality and strategic planning bodes well for the future.
Opportunities in deposit growth, loan expansion, and operational optimization position SMBC for continued success and value creation for shareholders.

Southern Missouri Bancorp faces margin challenges amidst loan growth

Southern Missouri Bancorp's Q2 2024 showcased mixed performance with strong asset quality and loan growth but challenges in net interest margin and credit risk management.
The bank's focus on strategic opportunities like cost management, market expansion, and agricultural sector diversification can drive future growth and profitability.
Navigating challenges while capitalizing on opportunities will be crucial for Southern Missouri Bancorp to sustain its financial strength and competitive position in the market.
Investors should monitor the bank's efforts in addressing margin pressures, credit risks, and seizing growth opportunities to assess its long-term performance and value creation potential.

Southern Missouri Bancorp reports resilient growth and eyes strategic opportunities

Southern Missouri Bancorp's Q3 2024 performance showcased resilience and growth despite challenges. Strong asset quality, promising loan pipeline, and strategic focus on credit quality highlight the bank's stability and growth potential. Optimism for future loan growth, margin enhancement, and potential mergers signals a proactive approach to seizing opportunities.

Southern Missouri Bancorp posts solid Q4 results, eyes growth opportunities

Southern Missouri Bancorp (SMBC) demonstrated strong financial performance in Q4 2024, with growth in key metrics and effective expense management.
While facing challenges such as declining year-over-year earnings per share, the company remains focused on growth opportunities and maintaining credit quality.
Exploring M&A, optimizing operational efficiencies, and driving loan growth are key strategies for SMBC's future success and value creation.
Investors can find confidence in SMBC's solid performance, strategic initiatives, and commitment to enhancing shareholder value.

Southern Missouri Bancorp reports growth in Q1 2025 earnings

SMBC's Q1 2025 performance showed solid net interest income growth and loan portfolio expansion.
While facing challenges in credit provisions and expense management, the bank remains optimistic about future profitability.
Strategic initiatives like the performance improvement project and M&A considerations signal a focus on long-term growth.
Overall, SMBC's strong asset quality and proactive approach to financial management bode well for future success.

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Southern Missouri Bancorp (SMBC) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Southern Missouri Bancorp (SMBC) to Report Q3 Results: Wall Street Expects Earnings Growth

Southern Missouri Bancorp, Inc. (NASDAQ:SMBC ) Q2 2023 Earnings Conference Call January 31, 2023 10:30 AM ET Company Participants Lora Daves - Chief Financial Officer Greg Steffens - Chairman and Chief Executive Officer Matt Funke - President and Chief Administrative Officer Conference Call Participants Andrew Liesch - Piper Sandler Kelly Motta - KBW Operator Ladies and gentlemen, welcome to the Southern Missouri Bancorp Quarterly Earnings Conference Call. My name is Glenn and I will be the moderator for today's call.

Southern Missouri Bancorp, Inc. (SMBC) Q2 2023 Earnings Call Transcript

Southern Missouri Bancorp (SMBC) delivered earnings and revenue surprises of -5.26% and 3.39%, respectively, for the quarter ended December 2022. Do the numbers hold clues to what lies ahead for the stock?

Southern Missouri Bancorp (SMBC) Q2 Earnings and Revenues Miss Estimates

Poplar Bluff, Missouri, Jan. 30, 2023 (GLOBE NEWSWIRE) -- Southern Missouri Bancorp, Inc. (“Company”) (NASDAQ: SMBC), the parent corporation of Southern Bank (“Bank”), today announced preliminary net income for the second quarter of fiscal 2023 of $11.7 million, a decrease of $321,000, or 2.7%, as compared to the same period of the prior fiscal year. The decrease was attributable to increases in noninterest expense and provision for credit losses, partially offset by increases in net interest income and noninterest income, and a decrease in provision for income taxes. Preliminary net income was $1.26 per fully diluted common share for the second quarter of fiscal 2023, a decrease of $.09 as compared to the $1.35 per fully diluted common share reported for the same period of the prior fiscal year.

Southern Missouri Bancorp Reports Preliminary Results for Second Quarter of Fiscal 2023; Declares Quarterly Dividend of $0.21 Per Common Share; Conference Call Scheduled for Tuesday, January 31, at 9:30am Central Time

Poplar Bluff, Missouri, Jan. 20, 2023 (GLOBE NEWSWIRE) -- Southern Missouri Bancorp, Inc. (“Southern Missouri” or the “Company,” NASDAQ: SMBC), parent company of Southern Bank, Poplar Bluff, Missouri, announced that its merger with Citizens Bancshares Co. (“Citizens”), Kansas City, Missouri, was completed today. Citizens was the parent company of Citizens Bank & Trust Company, which has become a subsidiary of Southern Missouri effective with the closing of the merger.

Southern Missouri Bancorp, Inc. Announces Completion of Merger With Citizens Bancshares Co.

Poplar Bluff, Missouri, Jan. 06, 2023 (GLOBE NEWSWIRE) -- Southern Missouri Bancorp, Inc. (NASDAQ: SMBC, "Southern Missouri"), the parent company of Southern Bank, and Citizens Bancshares Co. ("Citizens"), the parent company of Citizens Bank and Trust Company, today jointly announced that, in connection with Southern Missouri's pending acquisition of Citizens, the election deadline for record holders of shares of Citizens' common stock to elect the form of merger consideration they wish to receive in connection with the transaction is January 17, 2023, at 5:00 p.m. EST.

SOUTHERN MISSOURI BANCORP AND CITIZENS BANCSHARES CO. ANNOUNCE DEADLINE FOR ELECTION OF FORM OF MERGER CONSIDERATION

NEW ORLEANS--(BUSINESS WIRE)--Former Attorney General of Louisiana Charles C.

SOUTHERN MISSOURI BANCORP INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Merger of Southern Missouri Bancorp, Inc. - SMBC

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NEW YORK , Nov. 2, 2022 /PRNewswire/ -- Halper Sadeh LLC, an investor rights law firm, is investigating the following companies for potential violations of the federal securities laws and/or breaches of fiduciary duties to shareholders relating to: Renovacor, Inc. (NYSE: RCOR)'s  sale to Rocket Pharmaceuticals, Inc. for approximately 0.1676 shares of Rocket for each Renovacor share. Upon completion of the transaction, Renovacor shareholders are expected to own approximately 4.6% percent of Rocket.

SHAREHOLDER INVESTIGATION: Halper Sadeh LLC Investigates RCOR, SMBC, TALO

Southern Missouri Bancorp, Inc. (NASDAQ:SMBC ) Q1 2023 Earnings Conference Call October 25, 2022 9:30 AM ET Company Participants Lora Daves - CFO Greg Steffens - Chairman and CEO Matt Funke - President and Chief Administrative Officer Conference Call Participants Kelly Motta - KBW Andrew Liesch - Piper Sandler David Welch - River Oaks Capital Operator Good morning, and welcome to today's Southern Missouri Bancorp Quarterly Earnings Conference Call. My name is Drew, and I'll be coordinating your call today.

Southern Missouri Bancorp, Inc. (SMBC) Q1 2023 Earnings Call Transcript

Southern Missouri Bancorp (SMBC) delivered earnings and revenue surprises of -24.09% and 0.42%, respectively, for the quarter ended September 2022. Do the numbers hold clues to what lies ahead for the stock?

Southern Missouri Bancorp (SMBC) Lags Q1 Earnings Estimates

Poplar Bluff, Missouri, Oct. 24, 2022 (GLOBE NEWSWIRE) --

SOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR FIRST QUARTER OF FISCAL 2023; DECLARES QUARTERLY DIVIDEND OF $0.21 PER COMMON SHARE; CONFERENCE CALL SCHEDULED FOR TUESDAY, OCTOBER 25, AT 8:30 AM CENTRAL TIME

Wilmington, Delaware--(Newsfile Corp. - September 26, 2022) - Rigrodsky Law, P.A. is investigating Southern Missouri Bancorp, Inc. ("Southern Missouri") (NASDAQ: SMBC) regarding possible breaches of fiduciary duties and other violations of law related to Southern Missouri's agreement to merge with Citizens Bancshares Co.To learn more about this investigation and your rights, visit: https://www.rl-legal.com/cases-southern-missouri-bancorp-inc.To contact Seth D. Rigrodsky or Gina M. Serra cost free, call or text (302) 295-5310 or email info@rl-legal.com.Rigrodsky Law, P.A.

SHAREHOLDER ALERT: Rigrodsky Law, P.A. Is Investigating Southern Missouri Bancorp, Inc. Merger

NEW YORK , Sept. 22, 2022 /PRNewswire/ --  Juan Monteverde , founder and managing partner of the class action firm Monteverde & Associates PC (the "M&A Class Action Firm"), a national securities firm rated Top 50 in the 2018-2021 ISS Securities Class Action Services Report and headquartered at the Empire State Building in New York City, is investigating Southern Missouri Bancorp, Inc. (SMBC), relating to its proposed merger with Citizens Bancshares Co. Under the terms of the agreement, Citizens shareholders will receive either 1.1448 shares of SMBC common stock or $53.50 in cash per share they own.

The M&A Class Action Firm Announces an Investigation of Southern Missouri Bancorp. - SMBC

NEW YORK , Sept. 21, 2022 /PRNewswire/ -- Weiss Law is investigating possible breaches of fiduciary duty and other violations of law by the board of directors of Southern Missouri Bancorp, Inc. ("Southern Missouri" or the "Company") (NASDAQ: SMBC), in connection with the proposed merger of the Company with Citizens Bancshares Co. ("Citizens").

SHAREHOLDER ALERT: Weiss Law Investigates Southern Missouri Bancorp, Inc.

NEW YORK--(BUSINESS WIRE)--Halper Sadeh LLC, an investor rights law firm, is investigating whether the merger of Southern Missouri Bancorp, Inc. (NASDAQ: SMBC) and Citizens Bancshares Co. is fair to Southern Missouri shareholders. Under the terms of the merger agreement, Citizens shareholders will have the right to elect either a fixed exchange ratio of 1.1448 shares of Southern Missouri common stock or a cash payment of $53.50 for each Citizens share. Halper Sadeh encourages Southern Missouri

SMBC Stock Alert: Halper Sadeh LLC is Investigating Whether the Merger of Southern Missouri Bancorp, Inc. is Fair to Shareholders

Poplar Bluff, Missouri, Sept. 20, 2022 (GLOBE NEWSWIRE) -- Southern Missouri Bancorp, Inc. (NASDAQ: SMBC, "Southern Missouri"), the parent corporation of Southern Bank, and Citizens Bancshares Co. ("Citizens"), the parent company of Citizens Bank and Trust Company, today announced the signing of a definitive merger agreement whereby Southern Missouri will acquire Citizens in a stock and cash transaction.

Southern Missouri Bancorp and Citizens Bancshares Co. Announce Agreement to Merge

Southern Missouri Bancorp, Inc. (NASDAQ:SMBC ) Q4 2022 Earnings Conference Call July 26, 2022 10:30 AM ET Company Participants Lora Daves - CFO Matt Funke - President and Chief Administrative Officer Greg Steffens - President and CEO Conference Call Participants Andrew Liesch - Piper Sandler Kelly Motta - KBW Operator Good morning or good afternoon all and welcome to the Southern Missouri Bancorp Quarterly Earnings Conference Call. My name is Adam and I will be your operator today.

Southern Missouri Bancorp, Inc. (SMBC) CEO Greg Steffens on Q4 2022 Results Earnings Call Transcript

Southern Missouri Bancorp (SMBC) delivered earnings and revenue surprises of 6.02% and 4.92%, respectively, for the quarter ended June 2022. Do the numbers hold clues to what lies ahead for the stock?

Southern Missouri Bancorp (SMBC) Surpasses Q4 Earnings and Revenue Estimates

Poplar Bluff, Missouri, July 25, 2022 (GLOBE NEWSWIRE) -- Southern Missouri Bancorp, Inc. (“Company”) (NASDAQ: SMBC), the parent corporation of Southern Bank (“Bank”), today announced preliminary net income for the fourth quarter of fiscal 2022 of $13.1 million, a decrease of $603,000, or 4.4%, as compared to the same period of the prior fiscal year. The decrease was attributable to an increase in noninterest expense and provision for credit losses, partially offset by increases in net interest income and noninterest income. Preliminary net income was $1.41 per fully diluted common share for the fourth quarter of fiscal 2022, a decrease of $.12 as compared to the $1.53 per fully diluted common share reported for the same period of the prior fiscal year. For the full fiscal year 2022, preliminary net income of $47.2 million was little changed from fiscal 2021, while diluted earnings per share were $5.21, a decrease of $.01 as compared to the $5.22 per fully diluted common share for fiscal 2021.

SOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR FOURTH QUARTER OF FISCAL 2022; DECLARES QUARTERLY DIVIDEND OF $0.21 PER COMMON SHARE; CONFERENCE CALL SCHEDULED FOR TUESDAY, JULY 26, AT 9:30AM CENTRAL TIME

Southern Missouri Bancorp, Inc. (NASDAQ:SMBC ) Q3 2022 Earnings Conference Call April 26, 2022 10:00 AM ET Company Participants Greg Steffens – President and Chief Executive Officer Matt Funke – Chief Financial Officer Conference Call Participants Andrew Liesch – Piper Sandler Eleanor Hagan – Keefe, Bruyette & Woods Operator Hello and welcome to the Southern Missouri Bancorp Quarterly Earnings Conference Call. My name is Alex and will be coordinating the call today.

Southern Missouri Bancorp, Inc. (SMBC) CEO Greg Steffens on Q3 2022 Results - Earnings Call Transcript

Southern Missouri Bancorp (SMBC) delivered earnings and revenue surprises of -17.60% and 1.32%, respectively, for the quarter ended March 2022. Do the numbers hold clues to what lies ahead for the stock?

Southern Missouri Bancorp (SMBC) Q3 Earnings and Revenues Lag Estimates

Poplar Bluff, Missouri, April 25, 2022 (GLOBE NEWSWIRE) -- Southern Missouri Bancorp, Inc. (“Company”) (NASDAQ: SMBC), the parent corporation of Southern Bank (“Bank”), today announced preliminary net income for the third quarter of fiscal 2022 of $9.4 million, a decrease of $2.1 million, or 18.4%, as compared to the same period of the prior fiscal year. The decrease was attributable to an increase in noninterest expense and provision for credit losses, partially offset by increases in net interest income and noninterest income, and by a decrease in provision for income taxes. Preliminary net income was $1.03 per fully diluted common share for the third quarter of fiscal 2022, a decrease of $.24 as compared to the $1.27 per fully diluted common share reported for the same period of the prior fiscal year. Provision for credit losses and noninterest expense were impacted by one-time charges associated with the merger of Fortune Financial Corporation (“Fortune”) with and into the Company, completed in late February 2022.

SOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR THIRD QUARTER OF FISCAL 2022; DECLARES QUARTERLY DIVIDEND OF $0.20 PER COMMON SHARE; CONFERENCE CALL SCHEDULED FOR TUESDAY, APRIL 26, AT 9:30AM CENTRAL TIME

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Southern Missouri Bancorp pays a small dividend which means most of the earnings are retained on its balance sheet.

Southern Missouri Bancorp: Increasing Its Book Value By Over $4/Share Per Year

Poplar Bluff, Missouri, March 11, 2022 (GLOBE NEWSWIRE) --   SOUTHERN MISSOURI BANCORP ANNOUNCES EXECUTIVE LEADERSHIP TRANSITION PLAN

News for Southern Missouri Bancorp Stock (SMBC)