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Get filing alertsSouthern Missouri Bancorp posts 22% jump in Q1 profit, declares 130th straight dividend
Filed October 21, 2026 · Period ending October 20, 2026 · ~1 min read
Key Changes
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Preliminary Q1 FY2027 net income rose 22.0% to $19.1 million, with diluted EPS up 25.4% to $1.73.
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Net interest margin expanded to 3.70%, up 13 basis points year over year.
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Board declared a $0.27 quarterly dividend, the 130th consecutive since inception, payable Nov. 30 to holders of record Nov. 13.
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Gross loans grew $63.9 million (1.5%) during the quarter to $4.5 billion; deposits rose $66.1 million (1.5%).
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Company will host a conference call Oct. 22 at 9:30 a.m. Central to review results.
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Summary
Southern Missouri Bancorp reported strong preliminary first-quarter fiscal 2027 results, with net income up 22% to $19.1 million and diluted earnings per share rising 25.4% to $1.73. The improvement was driven by higher net interest income, a lower provision for credit losses, and higher noninterest income, partially offset by higher expenses and taxes.
Net interest margin expanded to 3.70%, reflecting a 19-basis-point decline in funding costs that more than offset a slight dip in asset yields. The board also declared a quarterly cash dividend of $0.27 per share, marking the 130th consecutive quarterly payout since the company's inception. The dividend is payable November 30, 2026, to shareholders of record on November 13, 2026.
Balance sheet growth remained steady, with gross loans and deposits each increasing 1.5% during the quarter. Management will host a conference call on October 22, 2026, to discuss the results in more detail.
Section-by-Section Diff
Event · Item 2.02 — Results of Operations and Financial Condition
Southern Missouri Bancorp announced preliminary Q1 FY2027 results, a $0.27 quarterly dividend, and investor call details.
Added in current filing · verify on EDGAR →
announcing preliminary first quarter of fiscal 2027 results
The company issued a press release with preliminary results for the first quarter of fiscal 2027. The 8-K itself does not include the figures; they are in Exhibit 99.1, which was not provided in the input text.
Added in current filing · verify on EDGAR →
its quarterly dividend of $0.27 per common share
The company declared a quarterly dividend of $0.27 per common share. This is a direct cash return to shareholders.
Show 1 minor / wording change
Added in current filing · verify on EDGAR →
the timing and other information regarding its investor conference call
The press release includes details on the timing of an investor conference call, where management will likely discuss the preliminary results.
Event · Item 8.01 — Other Events
Southern Missouri Bancorp declared its 130th consecutive quarterly dividend of $0.27 per share.
Show 1 minor / wording change
Added in current filing · verify on EDGAR →
the Company will host a conference call to review information provided in the press release on Thursday, October 22, 2026, at 9:30 a.m. Central Time.
The company will host a conference call on October 22, 2026 at 9:30 a.m. Central Time to review information in a press release. The filing provides dial-in details and a playback option through October 27, 2026.
Event · Exhibit 99.1
Southern Missouri Bancorp reports Q1 FY2027 net income of $19.1M, EPS of $1.73, and declares a $0.27 quarterly dividend.
Added in current filing · view on EDGAR →
Preliminary net income was $1.73 per fully diluted common share for the first quarter of fiscal 2027, an increase of $0.35, or 25.4%, as compared to $1.38 per fully diluted common share reported for the same period of the prior fiscal year.
Diluted earnings per share rose to $1.73, up 25.4% from $1.38 in the year-ago quarter. The company noted the prior-year quarter included $572,000 of non-recurring consulting expenses that reduced after-tax net income by $444,000, or $0.04 per share.
Added in current filing · view on EDGAR →
Net interest margin for the quarter was 3.70%, up from 3.57% reported for the year-ago period, and up from 3.67% reported for the fourth quarter of fiscal 2026, the linked quarter.
Net interest margin expanded to 3.70%, up 13 basis points from the prior-year quarter and 3 basis points from the linked quarter. The improvement was driven by a 19-basis-point decrease in the cost of interest-bearing liabilities, partially offset by a 4-basis-point decrease in the yield on interest-earning assets.
Added in current filing · view on EDGAR →
Gross loan balances increased by $63.9 million during the first quarter of fiscal 2027, or 1.5%, and increased by $263.9 million, or 6.3%, over the last twelve months.
Gross loans grew $63.9 million (1.5%) during the quarter to $4.5 billion, and deposits increased $66.1 million (1.5%) to $4.5 billion. The company also reported tangible book value per share of $48.52, up 11.9% over the last twelve months.
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Figures/quotes linked to EDGAR · Narrative written by AI · Oct 22, 2026 · How we verify