AI Earnings Predictions for Southern Missouri Bancorp Inc. (SMBC)

EX-99.1

2 smbc-20260721xex99d1.htm

EX-99.1

Exhibit 99.1

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FOR IMMEDIATE RELEASE

Contact: Stefan Chkautovich, CFO

July 22, 2026

(573) 778-1800

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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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SOUTHERN MISSOURI BANCORP, INC._January 20, 2026 0000916907false00009169072026-01-202026-01-20 ​ ​

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 ​

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Date of Report (Date of earliest event reported) January 20, 2026

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SOUTHERN MISSOURI BANCORP, INC.

(Exact name of registrant as specified in its charter) ​

Missouri ​ ​ 000-23406 ​ ​ 43-1665523

(State or other

(Commission File No.)

(IRS Employer

jurisdiction of incorporation)

Identification Number)

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2991 Oak Grove Road, Poplar Bluff, Missouri ​ ​ ​ 63901

(Address of principal executive offices)

(Zip Code)

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Registrant’s telephone number, including area code: (573) 778-1800

​ N/A (Former name or former address, if changed since last report) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

​ Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading Symbol(s) Name of each exchange on which registered

Common Stock, par value $0.01 per share

SMBC

The NASDAQ Stock Market LLC

​ Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ ​ ​ ​

​ Item 2.02Results of Operations and Financial Condition On January 21, 2026, Southern Missouri Bancorp, Inc., the parent corporation of Southern Bank, issued a press release announcing preliminary second quarter of fiscal 2026 results, its quarterly dividend of $0.25 per common share, and the timing and other information regarding its investor conference call. A copy of the press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein. Item 8.01 Other Events On January 20, 2026, the Board of Directors of Southern Missouri Bancorp, Inc. (the “Company”) declared its 127th consecutive quarterly dividend on common stock since the inception of the Company. The dividend of $0.25 per common share will be payable on February 27, 2026, to stockholders of record at the close of business on February 13, 2026. On January 21, 2026, Southern Missouri Bancorp, Inc. (the “Company”), the parent corporation of Southern Bank, announced its intention to repurchase up to an additional 550,000 shares of its common stock, or approximately 5% of its 11.1 million outstanding common shares. The shares will be purchased at prevailing market prices in the open market or in privately negotiated transactions, subject to availability and general market conditions. Repurchased shares will be held as treasury shares to be used for general corporate purposes. As of January 21, 2026, the Company has repurchased 408,585 shares of its common stock, or approximately 92% of the 445,000 shares authorized under the existing repurchase program, originally announced May 20, 2021, at an average cost of $48.28 per share. In other matters, the Company will host a conference call to discuss the release on January 22, 2026, at 9:30 a.m., central time. The call will be available live to interested parties by calling (toll free) 1-833-470-1428 in the United States. Participants should use participant access code 915129. Telephone playback will be available beginning one hour following the conclusion of the call through January 27, 2026. The playback may be accessed by dialing 1-866-813-9403 in the United States and using the conference passcode 450286. ​ Item 9.01Financial Statements and Exhibits (d)Exhibits ​

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​ 99.1 ​ Press release dated January 21, 2026 ​

​ 104 Cover Page Interactive Data File (embedded within the Inline XBRL document). ​

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

SOUTHERN MISSOURI BANCORP, INC.

Date:  January 21, 2026

By: /s/ Matthew T. Funke

Matthew T. Funke

President and Chief Administrative Officer

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