Southern Missouri Bancorp Q1 FY2027 EPS $1.73, net income $19.1M (+22% YoY); dividend $0.27

SOUTHERN MISSOURI BANCORP, INC.

Net income $19.1M, up $3.4M or 22.0% YoY; diluted EPS $1.73, up $0.35 or 25.4% YoY but down $0.10 (5.5%) from Q4 FY2026.
Net interest income $45.9M (+8.3% YoY); NIM 3.70% vs 3.57% a year ago; ROA 1.44% and ROE 12.7%.
Gross loans $4.46B, up $63.9M (1.5%) QoQ and 6.3% YoY; deposits $4.47B, up $66.1M (1.5%) QoQ and 4.5% YoY.
PCL $3.0M vs $4.5M year ago; NPLs 0.60% of gross loans; ACL 1.31% of gross loans and 218.6% of NPLs.
Declared $0.27 quarterly dividend, payable Nov 30, 2026 to holders of record Nov 13; 130th consecutive quarterly dividend; repurchased 19,000 shares at avg $72.63 for $1.4M.

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