Southern Missouri Bancorp Q4 net income $20.3M (+28.5% YoY); EPS $1.83; dividend raised to $0.27

SOUTHERN MISSOURI BANCORP, INC.

Q4 diluted EPS $1.83 vs $1.39 YoY; full-year EPS $6.43 vs $5.18 YoY.
Net interest margin 3.67% (up 20 bps YoY); efficiency ratio improved to 49.3% from 54.6%.
Dividend increased 8% to $0.27/share, payable Aug 31, 2026; 129th consecutive quarterly dividend.
Gross loans +7.1% YoY to $4.39B; deposits +3.0% to $4.41B; NPA ratio 0.64% vs 0.47% YoY.
Repurchased 317,000 shares in FY2026 at avg $58.59; tangible book value per share $47.43 (+13.3% YoY).

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