SMBC

EX-99.1

2 smbc-ex99d1.htm

EX-99.1

Exhibit 99.1

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FOR IMMEDIATE RELEASE

Contact: Stefan Chkautovich, CFO

October 21, 2026

(573) 778-1800

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SOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR FIRST QUARTER OF FISCAL 2027;

DECLARES QUARTERLY DIVIDEND OF $0.27 PER COMMON SHARE;

CONFERENCE CALL SCHEDULED FOR THURSDAY, OCTOBER 22, AT 9:30 AM CENTRAL TIME

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Poplar Bluff, Missouri - Southern Missouri Bancorp, Inc. (“Company”) (NASDAQ: SMBC), the parent corporation of Southern Bank (“Bank”), today announced preliminary net income for the first quarter of fiscal 2027 of $19.1 million, an increase of $3.4 million, or 22.0%, as compared to the same period of the prior fiscal year. The increase was driven by higher net interest income, lower provision for credit losses (PCL), and higher noninterest income. This was partially offset by higher noninterest expense and higher provision for income taxes. Preliminary net income was $1.73 per fully diluted common share for the first quarter of fiscal 2027, an increase of $0.35, or 25.4%, as compared to $1.38 per fully diluted common share reported for the same period of the prior fiscal year.

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Highlights for the first quarter of fiscal 2027:

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●Earnings per common share (diluted) were $1.73, up $0.35, or 25.4%, as compared to the same quarter a year ago, and down $0.10, or 5.5%, from the fourth quarter of fiscal 2026, the linked quarter. During the year-ago quarter, the Company incurred $572,000 of non-recurring consulting expenses related to renegotiation of a significant bank contract, reducing after-tax net income by $444,000, or $0.04 per fully diluted common share, with no similar charges in the current quarter.

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●Annualized return on average assets (ROA) was 1.44%, while annualized return on average common equity (ROE) was 12.7%, as compared to 1.24% and 11.3%, respectively, in the same quarter a year ago, and 1.57% and 14.0%, respectively, in the fourth quarter of fiscal 2026, the linked quarter.

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●Net interest margin for the quarter was 3.70%, up from 3.57% reported for the year-ago period, and up from 3.67% reported for the fourth quarter of fiscal 2026, the linked quarter. Net interest income increased $3.5 million, or 8.3%, as compared to the same quarter a year ago, and increased $1.5 million, or 3.5%, as compared to the fourth quarter of fiscal 2026, the linked quarter.

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●PCL was $3.0 million during the first quarter of fiscal 2027, a decrease of $1.5 million from the year-ago period and a decrease of $240,000 from the fourth quarter of fiscal 2026, the linked quarter.

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●Provision for income taxes was $4.5 million, an increase of $678,000 from the prior-year quarter and an increase of $1.7 million from the linked quarter, primarily reflecting a $1.7 million tax benefit from tax credit investments recognized in the linked quarter that did not recur.

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●Gross loan balances increased by $63.9 million during the first quarter of fiscal 2027, or 1.5%, and increased by $263.9 million, or 6.3%, over the last twelve months.

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●Deposit balances increased by $66.1 million during the first quarter of fiscal 2027, or 1.5%, and increased by $193.5 million, or 4.5%, over the last twelve months.

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●Tangible book value per share was $48.52 as of September 30, 2026, and increased by $5.17, or 11.9%, during the last twelve months.

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●The Company repurchased 19,000 shares of its common stock in the first quarter of 2027 at an average price of $72.63 per share, for a total of $1.4 million. The average purchase price was 150% of our tangible book value as of September 30, 2026.

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Dividend Declared:

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The Board of Directors, on October 20, 2026, declared a quarterly cash dividend on common stock of $0.27, payable November 30, 2026, to stockholders of record at the close of business on November 13, 2026, marking the 130th consecutive quarterly dividend since the inception of the Company. The Board of Directors and management believe the payment of a quarterly cash dividend enhances stockholder value and demonstrates our commitment to and confidence in our future prospects.

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Conference Call:

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The Company will host a conference call to review the information provided in this press release on Thursday, October 22, 2026, at 9:30 a.m., Central Time. The call will be available live to interested parties by calling 1-833-461-5787 in the United States and from all other locations by calling 1-585-542-9983. Participants should use participant access code 953340433. Telephone playback will be available beginning one hour following the conclusion of the call through October 27, 2026. The playback may be accessed by dialing 1-833-309-1852 in the United States and Canada, and using the conference passcode 953340433.

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Balance Sheet Summary:

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The Company experienced balance sheet growth during the first quarter of fiscal 2027, with total assets of $5.3 billion at September 30, 2026, an increase of $74.4 million, or 1.4%, compared to June

EX-99.1

2 smbc-20260721xex99d1.htm

EX-99.1

Exhibit 99.1

​

​

FOR IMMEDIATE RELEASE

Contact: Stefan Chkautovich, CFO

July 22, 2026

(573) 778-1800

​

SOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR FOURTH QUARTER OF FISCAL 2026;

DECLARES QUARTERLY DIVIDEND OF $0.27 PER COMMON SHARE;

CONFERENCE CALL SCHEDULED FOR THURSDAY, JULY 23, AT 9:30 AM CENTRAL TIME

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Poplar Bluff, Missouri - 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 2026 of $20.3 million, an increase of $4.5 million or 28.5%, as compared to the same period of the prior fiscal year. The increase was primarily attributable to higher net interest income, lower provision for income taxes, a decrease in noninterest expense, and an increase in noninterest income, partially offset by higher provision for credit losses (PCL). Preliminary net income was $1.83 per fully diluted common share for the fourth quarter of fiscal 2026, an increase of $0.44 as compared to the $1.39 per fully diluted common share reported for the same period of the prior fiscal year. For the full fiscal year 2026, preliminary net income was $71.8 million, an increase of $13.3 million, or 22.6%, when compared to fiscal year 2025, while diluted earnings per share for fiscal year 2026 were $6.43, an increase of $1.25, or 24.1%, as compared to fiscal year 2025.

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Highlights for the fourth quarter of fiscal 2026:

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●Earnings per common share (diluted) were $1.83, up $0.44, or 31.7%, as compared to the same quarter a year ago, and up $0.23, or 14.4%, from the third quarter of fiscal 2026, the linked quarter.

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●Annualized return on average assets (ROA) was 1.57%, while annualized return on average common equity (ROE) was 14.0%, as compared to 1.27% and 11.8%, respectively, in the same quarter a year ago, and 1.41% and 12.6%, respectively, in the third quarter of fiscal 2026, the linked quarter.

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●Net interest margin for the quarter was 3.67%, up from 3.47% reported for the year ago period, and unchanged from the third quarter of fiscal 2026, the linked quarter. Net interest income increased $4.1 million, or 10.1%, as compared to the same quarter a year ago, and increased $1.3 million, or 2.9%, as compared to the third quarter of fiscal 2026, the linked quarter. Net interest income in the fourth quarter of fiscal 2026 included a $603,000 reversal of accrued interest related to an agricultural production relationship placed on nonaccrual status, reducing net interest margin by approximately five basis points.

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●PCL was $3.2 million during the fourth quarter of fiscal 2026, a $694,000 increase from the year ago period and a $1.1 million increase from the third quarter of fiscal 2026, the linked quarter. The increase was primarily driven by higher net charge-offs, higher reserves required for pooled loans driven largely by the Bank’s annual ACL model update, and to support loan growth. See “Balance Sheet Summary” below for more detailed information regarding nonperforming loans and allowance for credit losses (ACL).

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●Gross loan balances increased by $69.4 million during the fourth quarter, and increased by $291.2 million, or 7.1%, for the full fiscal year 2026.

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●Deposit balances increased by $66.9 million during the fourth quarter, and increased by $126.5 million, or 3.0%, for the full fiscal year 2026.

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●Tangible book value per share was $47.43, having increased by $5.56, or 13.3%, as compared to June 30, 2025.

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●The Company repurchased 4,000 shares of its common stock in the fourth quarter of fiscal 2026 at an average price of $69.10 per share, for a total of $291,000. For the full fiscal year 2026, the Company repurchased 317,000 shares of its common stock at an average price of $58.59 per share, for a total of $18.6 million. The average purchase price of shares purchased in fiscal 2026 was 124% of tangible book value as of June 30, 2026.

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Dividend Declared:

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The Board of Directors, on July 21, 2026, declared a quarterly cash dividend on common stock of $0.27 per share, payable August 31, 2026, to stockholders of record at the close of business on August 14, 2026, marking the 129th consecutive quarterly dividend since the inception of the Company. The dividend represents an increase of $0.02 per share, or 8.0%, as compared to the previous quarterly dividend payment. The Board of Directors and management believe the payment of a quarterly cash dividend enhances stockholder value and demonstrates our commitment to and confidence in our future prospects.

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Conference Call:

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The Company will host a conference call to review the information provided in this press release on Thursday, July 23, 2026, at 9:30 a.m., central time. The call will be available live to interested parties by calling 1-800-715-9871 in the United States and from all other locations by calling 1-646-307-1963. Participants should use

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