SMBC · Southern Missouri Bancorp, Inc.

Southern Missouri Bancorp, Inc. presented robust Q3 fiscal 2026 results in its investor presentation for the DA Davidson Financial Institutions Conference. Diluted EPS rose 15.1% year-over-year to $1.60, driven by improved profitability with ROA at 1.41% and ROE at 12.6%, both exceeding prior-year figures despite a slight sequential dip. The company continues its growth trajectory, with net loans expanding 7.5% year-over-year to $4.3 billion as of March 31, 2026, reflecting strength across commercial real estate, residential, and agricultural portfolios following successful acquisitions like Citizens in 2023. Tangible book value per share increased 13.5% to $45.80, underscoring long-term value creation with a 15-year CAGR of 10.4%. Capital return remains shareholder-friendly: the board declared its 128th consecutive quarterly dividend of $0.25 per share on April 21, 2026, while YTD share repurchases of 312,870 shares at an average 128% of tangible book value signal confidence in valuation. Credit quality is stable with NPAs at 0.62% of assets and ACL coverage at 175% of NPAs. The presentation emphasizes community focus, with 69 locations across 52 communities in 4 states, and a diversified loan mix (e.g., 24.3% 1-4 residential RE). Historical trends show consistent ROA improvement from 1.03% in FY2023 to 1.35% FYTD2026, alongside efficiency ratio around 51-59%. No forward guidance is provided, but the materials highlight resilience and innovation amid ongoing deposit growth to $4.341 billion.