Southern Missouri Bancorp, Inc. (SMBC) · Full Year 2026
SMBC — FY2026 (ended June 30) Annual Report Analysis
Southern Missouri Bancorp earned $71.8 million ($6.43 diluted EPS) in fiscal 2026 as net interest margin widened to 3.62% on cheaper deposits rather than better loan pricing, while credit costs nearly doubled on agricultural loan stress and a lower tax rate added roughly $0.25 per share.