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Southern Missouri Bancorp, Inc. SMBC Q4 2026 Annual earnings

Reported July 22, 2026 · After market close

Revenue$51.8MBeat by $626.3K
EPS$1.83Beat by $0.31
Revenue estimate$51.1M
EPS estimate$1.52

Next report

Oct 28, 2026 (in a month)
Revenue estimate$52.6M
EPS estimate$1.67

Financials

Q4 2026

Income statement

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Revenue$51.8M+8.7%
Net income$20.3M+28.5%
EPS (diluted)$1.84+32.4%

Balance sheet

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Cash & equivalents$91.0M-52.8%
Total debt$6.8M-3.4%
Total equity$590.7M+8.4%
Total assets$5.2B+4.3%

Cash flow

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Operating cash flow$14.0M-48.9%
CapEx$1.5M+2.0%
Free cash flow$12.5M-51.8%

Valuation & ratios

Valuation

as of 09/16/26
See full
Market cap$809.37M+31.1%
Enterprise value$725.15M+68.0%
P/E11.3×+0.7×
P/S4×+0.7×

Profitability

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Net margin35.8%+3.7pp
FCF margin38.2%-3.1pp

Returns & leverage

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Return on equity12.7%+1.3pp
Debt / equity0×0.0×

FAQ

When did Southern Missouri Bancorp, Inc. report Q4 2026 earnings?
Southern Missouri Bancorp, Inc. (SMBC) reported Q4 2026 earnings on July 22, 2026 after market close.
What were Southern Missouri Bancorp, Inc.'s Q4 2026 revenue and EPS?
Southern Missouri Bancorp, Inc. reported revenue of $51.8M and eps of $1.83 for Q4 2026.
Did Southern Missouri Bancorp, Inc. beat estimates in Q4 2026?
Revenue beat the consensus estimate of $51.1M by $626.3K. EPS beat the consensus estimate of $1.52 by $0.31.
How did Southern Missouri Bancorp, Inc.'s Q4 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 33.6% from $77.9M a year earlier and eps grew 30.7% from $1.40.
Where can I find Southern Missouri Bancorp, Inc.'s Q4 2026 SEC filings?
You can read the 8-K earnings release (0001104659-26-085879) and the 10-K periodic report (0001104659-26-107119) directly on SEC EDGAR. The filing index links above go to sec.gov.