<span item_type="fundamental" item_id="c8f55438edae60a6fd146adb9f72e5a4" counter_id="ST/US/SMBC" env="prod"></span><span item_type="announcement" item_id="646217991746554241" env="prod"></span><p>Revenue: As of FY2026 Q3, the actual value is USD 78.05 M.</p><p>EPS: As of FY2026 Q3, the actual value is USD 1.6, beating the estimate of USD 1.52.</p><p>EBIT: As of FY2026 Q3, the actual value is USD -21.21 M.</p><p></p><h4>Net Income</h4><ul><li>For the three months ended March 31, 2026, net income was $17,761,000, up from $15,683,000 for the same period in 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li><li>For the nine months ended March 31, 2026, net income was $51,560,000, compared to $42,792,000 for the nine months ended March 31, 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li></ul><h4>Comprehensive Income</h4><ul><li>Comprehensive income was $17,330,000 for the three months ended March 31, 2026, a decrease from $18,122,000 in the prior year period <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li><li>For the nine months ended March 31, 2026, comprehensive income totaled $53,868,000, an increase from $46,255,000 for the nine months ended March 31, 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li></ul><h4>Net Interest Income</h4><ul><li>Net interest income for the three months ended March 31, 2026, was $43,155,000, up from $39,479,000 in the three months ended March 31, 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li><li>For the nine months ended March 31, 2026, net interest income was $128,443,000, an increase from $114,284,000 in the comparable 2025 period <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li></ul><h4>Provision for Credit Losses</h4><ul><li>The provision for credit losses was $2,080,000 for the three months ended March 31, 2026, compared to $932,000 for the three months ended March 31, 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li><li>For the nine months ended March 31, 2026, the provision for credit losses was $8,260,000, significantly higher than $4,023,000 for the nine months ended March 31, 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li></ul><h4>Total Interest Income</h4><ul><li>Total interest income reached $70,959,000 for the three months ended March 31, 2026, a slight increase from $69,925,000 in the prior year <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li><li>For the nine months ended March 31, 2026, total interest income was $216,221,000, up from $206,728,000 in the nine months ended March 31, 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li></ul><h4>Total Interest Expense</h4><ul><li>Total interest expense decreased to $27,804,000 for the three months ended March 31, 2026, from $30,446,000 in the same period of 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li><li>For the nine months ended March 31, 2026, total interest expense was $87,778,000, a decrease from $92,444,000 in the nine months ended March 31, 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li></ul><h4>Noninterest Income</h4><ul><li>Total noninterest income for the three months ended March 31, 2026, was $7,090,000, comprising $2,331,000 from deposit account charges, $1,592,000 from bank card interchange income, $245,000 from loan servicing fees, $27,000 from other loan fees, $226,000 from net realized gains on sale of loans, $677,000 from earnings on bank owned life insurance, $353,000 from insurance brokerage commissions, $944,000 from wealth management fees, and $695,000 from other income <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>. This compares to a total of $6,666,000 for the three months ended March 31, 2025, which included $2,048,000 from deposit account charges, $1,341,000 from bank card interchange income, $224,000 from loan servicing fees, $843,000 from other loan fees, $114,000 from net realized gains on sale of loans, $48,000 from net realized gains on sale of AFS securities, $512,000 from earnings on bank owned life insurance, $340,000 from insurance brokerage commissions, $902,000 from wealth management fees, and $294,000 from other income <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li><li>For the nine months ended March 31, 2026, total noninterest income was $20,440,000, including $7,125,000 from deposit account charges, $4,736,000 from bank card interchange income, $759,000 from loan servicing fees, $385,000 from other loan fees, $568,000 from net realized gains on sale of loans, $1,777,000 from earnings on bank owned life insurance, $1,017,000 from insurance brokerage commissions, $2,732,000 from wealth management fees, and $1,341,000 from other income <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>. This was slightly lower than the $20,705,000 reported for the nine months ended March 31, 2025, which included $6,469,000 from deposit account charges, $4,142,000 from bank card interchange income, $741,000 from loan servicing fees, $2,851,000 from other loan fees, $608,000 from net realized gains on sale of loans, $48,000 from net realized gains on sale of AFS securities, $1,551,000 from earnings on bank owned life insurance, $927,000 from insurance brokerage commissions, $2,475,000 from wealth management fees, and $893,000 from other income <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li></ul><h4>Noninterest Expense</h4><ul><li>Total noninterest expense for the three months ended March 31, 2026, was $26,223,000, with compensation and benefits at $14,054,000, occupancy and equipment at $4,040,000, data processing at $2,770,000, telecommunications at $308,000, deposit insurance premiums at $495,000, legal and professional fees at $521,000, advertising at $553,000, postage and office supplies at $373,000, intangibles amortization at $709,000, foreclosed property expenses/losses at $108,000, and other operating expense at $2,292,000 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>. This represents an increase from $25,391,000 in the three months ended March 31, 2025, where compensation and benefits were $13,771,000, occupancy and equipment were $3,869,000, data processing was $2,359,000, telecommunications was $330,000, deposit insurance premiums were $674,000, legal and professional fees were $603,000, advertising was $530,000, postage and office supplies were $350,000, intangibles amortization was $889,000, foreclosed property expenses/losses were $37,000, and other operating expense was $1,979,000 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li><li>For the nine months ended March 31, 2026, total noninterest expense was $76,545,000, including $40,770,000 for compensation and benefits, $11,662,000 for occupancy and equipment, $7,950,000 for data processing, $964,000 for telecommunications, $1,715,000 for deposit insurance premiums, $2,074,000 for legal and professional fees, $1,705,000 for advertising, $1,006,000 for postage and office supplies, $2,374,000 for intangibles amortization, $198,000 for foreclosed property expenses/losses, and $6,127,000 for other operating expense <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>. This was an increase from $76,109,000 for the nine months ended March 31, 2025, which included $41,906,000 for compensation and benefits, $11,143,000 for occupancy and equipment, $6,754,000 for data processing, $1,111,000 for telecommunications, $1,734,000 for deposit insurance premiums, $2,430,000 for legal and professional fees, $1,518,000 for advertising, $939,000 for postage and office supplies, $2,683,000 for intangibles amortization, $123,000 for foreclosed property expenses/losses, and $5,768,000 for other operating expense <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li></ul><h4>Cash Flows</h4><ul><li>Net cash provided by operating activities for the nine months ended March 31, 2026, was $66,548,000, an increase from $54,234,000 in the prior year period <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li><li>Net cash used in investing activities was - $205,574,000 for the nine months ended March 31, 2026, compared to - $206,367,000 for the nine months ended March 31, 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li><li>Net cash provided by financing activities was $39,205,000 for the nine months ended March 31, 2026, a significant decrease from $318,120,000 in the prior year period <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li><li>Cash and cash equivalents at the end of the period on March 31, 2026, stood at $93,038,000, down from $226,891,000 on March 31, 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li></ul><h4>Loans Receivable (Net of ACL)</h4><ul><li>Loans receivable, net of allowance for credit losses, were $4,266,423,000 as of March 31, 2026, up from $4,048,961,000 as of June 30, 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li></ul><h4>Gross Loans by Class</h4><ul><li>As of March 31, 2026, gross loans included $1,063,006,000 in 1-4 family residential real estate, $945,274,000 in non-owner occupied commercial real estate, $476,994,000 in owner occupied commercial real estate, $467,936,000 in multi-family real estate, $279,943,000 in construction and land development, $278,541,000 in agriculture real estate, $546,002,000 in commercial and industrial loans, $204,447,000 in agriculture production, $51,869,000 in consumer loans, and $8,348,000 in all other loans <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li><li>As of June 30, 2025, gross loans included $992,445,000 in 1-4 family residential real estate, $888,317,000 in non-owner occupied commercial real estate, $442,984,000 in owner occupied commercial real estate, $422,758,000 in multi-family real estate, $332,405,000 in construction and land development, $244,983,000 in agriculture real estate, $510,259,000 in commercial and industrial loans, $206,128,000 in agriculture production, $55,387,000 in consumer loans, and $5,102,000 in all other loans <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li></ul><h4>Allowance for Credit Losses (ACL) on Loans</h4><ul><li>The Allowance for Credit Losses on Loans stood at $55,937,000 as of March 31, 2026, an increase from $51,629,000 as of June 30, 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li><li>For the nine months ended March 31, 2026, ACL activity included a provision charged to expense of $7,667,000, losses charged off of - $5,882,000, and recoveries of $2,523,000 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li><li>For the nine months ended March 31, 2025, ACL activity included a provision charged to expense of $3,822,000, losses charged off of - $1,558,000, and recoveries of $160,000 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li></ul><h4>Deposits by Type</h4><ul><li>Total deposit accounts as of March 31, 2026, amounted to $4,340,915,000, comprising $528,601,000 in non-interest bearing accounts, $1,153,078,000 in NOW accounts, $326,976,000 in money market deposit accounts, $718,199,000 in savings accounts, and $1,614,061,000 in certificates <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li><li>As of June 30, 2025, total deposit accounts were $4,281,368,000, with $508,110,000 in non-interest bearing accounts, $1,132,298,000 in NOW accounts, $331,251,000 in money market deposit accounts, $661,115,000 in savings accounts, and $1,648,594,000 in certificates <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li></ul><h4>Wealth Management Assets</h4><ul><li>Fiduciary assets were $111,300,000 as of March 31, 2026, an increase from $107,600,000 as of June 30, 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li><li>Investment management assets grew to $591,700,000 as of March 31, 2026, from $538,200,000 as of June 30, 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li></ul><h4>Intangibles Amortization</h4><ul><li>Expected intangibles amortization is approximately $702,000 for the remainder of fiscal 2026 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li><li>For fiscal years 2027, 2028, and 2029, expected amortization is $2,700,000 annually, followed by $2,500,000 for fiscal 2030, and $6,400,000 thereafter <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</li></ul><h4>Future Outlook and Strategy</h4><p>Southern Missouri Bancorp, Inc. expects to continue safe harbor matching contributions to its 401(k) retirement plan up to 4% of eligible compensation for fiscal 2026, along with potential discretionary profit-sharing contributions <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>. The company is currently evaluating the impact of new FASB ASUs on segment reporting, income tax disclosures, and expense disaggregation, with effective dates ranging from fiscal years beginning after December 15, 2024, to after December 15, 2027 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>. Additionally, Southern Missouri Bancorp, Inc. is assessing the potential effects of ASU 2025-08 on accounting for acquired loans in future acquisitions and ASU 2025-09 on its financial statements and related disclosures concerning interest rate hedging relationships <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/916907/000110465926058037/smbc-20260331x10q.htm"></span>.</p>

Southern Missouri Bancorp | 10-Q: FY2026 Q3 Revenue: USD 78.05 M