Southern Missouri Bancorp Q1 net income $15.7M, EPS $1.38, up 25.6% YoY; NIM expands to 3.57%

SOUTHERN MISSOURI BANCORP, INC.

2026-Q1 EPS reported $1.38

Net income $15.7M (+25.6% YoY); diluted EPS $1.38 vs $1.10; NIM 3.57% (+23 bps).
Loan balances grew $91.2M (2.2%) during the quarter; deposits flat. Tangible book value $43.35 (+13.3% YoY).
PCL increased to $4.5M (from $2.2M); NPLs $26.0M (0.62% of loans) vs $23.0M; net charge-offs $3.7M including $2.8M CRE charge-off.
Dividend maintained at $0.25/share, payable Nov 28, 2025 to record Nov 14, 2025 (126th consecutive).
Company repurchased 8,145 shares at avg $54.84; efficiency ratio improved to 51.1% from 59.0%.

This headline and bullets were generated automatically by deepseek-v4-flash:cloud@v2 from the public filing. Read the source on SEC.gov before relying on any specific claim. Not investment advice. See methodology for how this pipeline works.