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Southern Missouri Bancorp SMBC Q2 2026 earnings

Reported January 21, 2026 · After market close

Revenue$49.6MMiss by $312.3K
EPS$1.62Beat by $0.06
Revenue estimate$50.0M
EPS estimate$1.56

Next report

Oct 28, 2026 (in 3 months)
Revenue estimate$52.5M
EPS estimate$1.70

Financials

Q2 2026

Income statement

See full
Revenue$49.6M+10.3%
Net income$18.2M+23.9%
EPS (diluted)$1.62+24.6%

Balance sheet

See full
Cash & equivalents$134.1M-8.1%
Total debt$6.9M—
Total equity$567.4M+10.7%
Total assets$5.1B+3.8%

Cash flow

See full
Operating cash flow$21.3M+5.5%
CapEx$1.1M-44.7%
Free cash flow$20.2M+11.0%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$662.27M+2.4%
Enterprise value$535.07M—
P/E10.1×-2.3×
P/S3.4×-0.3×

Profitability

See full
Net margin33.9%+3.7pp
FCF margin43.7%+9.0pp

Returns & leverage

See full
Return on equity12.1%+1.5pp
Debt / equity0×—

Versus estimates

Revenue

Q4 2026$51.8MBeat by $626.3KQ3 2026$50.2MBeat by $379.0K
Q2 2026$49.6MMiss by $312.3K
Q1 2026$49.0MMiss by $939.0KQ4 2025$77.9MQ3 2025$46.1MMiss by $373.7K

Diluted EPS

Q4 2026$1.83Beat by $0.31Q3 2026$1.60Beat by $0.05
Q2 2026$1.62Beat by $0.06
Q1 2026$1.42Beat by $0.11Q4 2025$1.40Q3 2025$1.39Beat by $0.10

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Questions, answered.

When did Southern Missouri Bancorp report Q2 2026 earnings?
Southern Missouri Bancorp (SMBC) reported Q2 2026 earnings on January 21, 2026 after market close.
What were Southern Missouri Bancorp's Q2 2026 revenue and EPS?
Southern Missouri Bancorp reported revenue of $49.6M and eps of $1.62 for Q2 2026.
Did Southern Missouri Bancorp beat estimates in Q2 2026?
Revenue missed the consensus estimate of $50.0M by $312.3K. EPS beat the consensus estimate of $1.56 by $0.06.
How did Southern Missouri Bancorp's Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 10.3% from $45.0M a year earlier and eps grew 24.6% from $1.30.
Where can I find Southern Missouri Bancorp's Q2 2026 SEC filings?
You can read the 8-K earnings release (0001104659-26-005459) and the 10-Q periodic report (0001104659-26-011588) directly on SEC EDGAR. The filing index links above go to sec.gov.