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Southern Missouri Bancorp, Inc.

SMBC Finance Banks
$71.90
▲ +2.0% Today
as of Oct 23, 16:21 ET
Last 30 days -1.91% Sep 14 → Oct 23
$68.50 $69.84 $71.18 $72.52 $73.86 Sep 14 Sep 22 Sep 30 Oct 07 Oct 15 Oct 23
Open
$70.47
High
$72.67
Low
$70.47
Volume
$138,910
Avg Vol
$82,072
Mkt Cap
$781M
P/E (TTM)
11.72
Beta
—
52w High
$79.86
52w Low
$50.45
Div Yield
—
Shares Out
—

Recent Press Releases & News last 60 days · 8 items

Oct 22 · 18:01 Motley Fool
Southern Missouri Bancorp (SMBC) Q1 2027 Earnings Call Transcript
Oct 22 · 17:05 MarketBeat
What Southern Missouri Bancorp (SMBC) Said on Its Q1 Earnings Call
Oct 21 · 22:50 Zacks
Southern Missouri Bancorp (SMBC) Q1 Earnings and Revenues Surpass Estimates
▸ Show all 8 press releases & news Free account →

SMBC earnings at a glance

Southern Missouri Bancorp, Inc. (SMBC) is scheduled to report earnings on Wednesday, October 28, 2026 — in 5 days. Analysts expect earnings per share of $1.67, compared with $1.42 in the same quarter last year (+18%). The options market is pricing a move of about ±7.3% after the report, a range of roughly $66.64 to $77.16 from today's $71.90. Over its last 6 reports the stock rose the next day 6 times and fell 0, moving ±2.9% on average; after the most recent report on Jul 22, 2026 it moved +3.1%. That means options currently expect more movement than SMBC has typically delivered. SMBC beat the consensus EPS estimate in 5 of its last 5 reported quarters. Implied volatility is currently 62%. The share price of $71.90 sits in the middle of its 52-week range.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$50
$80
73% of range
Avg surprise (last 5)
+6.5%
Avg reaction (last 6)
+2.9%
100% positive
Latest IV / EM
62%
EM ±7.3% · $70 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$1.10$1.28$1.47$1.65$1.83 Actual $1.10Actual $1.30Actual $1.39Est $1.31Actual $1.39Actual $1.42Est $1.31Actual $1.62Actual $1.62Est $1.56Actual $1.60Est $1.55Actual $1.83Est $1.65 SepDecMar/2025Jun/2025Sep/2025Dec8K8KJun/2026
Revenue vs Net Income Revenue Net income
$0$5M$10M$14M$19M Sep 24Dec 24Mar 25Sep 25Dec 25Mar 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Wed Jul 22, 2026Jun/2026 $1.83 $1.65 +10.9% +18.7% +3.1% earnings
Wed Apr 22, 20268K 2026-04-22 $1.60 $1.55 +3.2% — +2.9% earnings
Wed Jan 21, 20268K 2026-01-21 $1.62 $1.56 +3.9% — +0.2% earnings
Wed Dec 31, 2025Dec 2025 $1.62 — — — — financials
Wed Oct 22, 2025Sep/2025 $1.42 $1.31 +8.4% — +3.0% earnings
Wed Jul 23, 2025Jun/2025 $1.39 — — — +1.5% earnings
Mon Apr 21, 2025Mar/2025 $1.39 $1.31 +6.1% — +6.7% earnings
Tue Dec 31, 2024Dec 2024 $1.30 — — — — financials
Mon Sep 30, 2024Sep 2024 $1.10 — — — — financials

Upcoming

DateFiscalTimeEPS EstLY EPSYoY %Δ
Wed Oct 28, 2026Sep/2026OTHER $1.67$1.42 +17.6%

Financials

Income statement (quarterly)

MetricMar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024
Revenue————————
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$18M$18M$16M—$16M$15M$12M—
EPS (diluted)$1.60$1.62$1.38—$1.39$1.30$1.10—

Balance sheet (quarterly)

MetricMar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024
Cash & equivalents$93M$134M$124M$193M$227M$146M$75M$61M
Inventory————————
Total current assets————————
Total assets$5.14B$5.09B$5.04B$5.02B$4.98B$4.91B$4.73B$4.60B
Long-term debt————————
Total liabilities$4.57B$4.53B$4.48B$4.47B$4.45B$4.40B$4.22B$4.12B
Total equity$574M$567M$560M$545M$529M$512M$506M$489M

Implied volatility — last 90 days

22%64%105%147%188% Jun 12 — IV 85% · EM ±8.7%Jun 15 — IV 105% · EM ±7.6%Jun 17 — IV 171% · EM ±7.2%Jun 19 — IV 23% · EM ±5.2%Jun 22 — IV 32% · EM ±6.6%Jun 23 — IV 35% · EM ±7.3%Jun 24 — IV 34% · EM ±6.7%Jun 25 — IV 23% · EM ±4.4%Jun 26 — IV 34% · EM ±6.6%Jun 30 — IV 41% · EM ±7.1%Jul 01 — IV 45% · EM ±7.6%Jul 02 — IV 32% · EM ±5.1%Jul 03 — IV 33% · EM ±5.1%Jul 06 — IV 27% · EM ±3.8%Jul 07 — IV 51% · EM ±6.8%Jul 16 — IV 155% · EM ±6.5%Jul 20 — IV 39% · EM ±9.2%Jul 21 — IV 39% · EM ±9.0%Jul 22 — IV 24% · EM ±5.5%Jul 23 — IV 39% · EM ±8.7%Jul 24 — IV 34% · EM ±7.6%Jul 27 — IV 40% · EM ±8.4%Jul 28 — IV 36% · EM ±7.3%Jul 29 — IV 34% · EM ±6.9%Jul 30 — IV 44% · EM ±8.6%Jul 31 — IV 45% · EM ±8.6%Aug 03 — IV 40% · EM ±7.1%Aug 04 — IV 37% · EM ±6.4%Aug 05 — IV 40% · EM ±6.7%Aug 06 — IV 48% · EM ±7.7%Aug 07 — IV 46% · EM ±7.2%Aug 10 — IV 39% · EM ±5.4%Aug 11 — IV 48% · EM ±6.4%Aug 12 — IV 54% · EM ±6.8%Aug 13 — IV 52% · EM ±6.2%Aug 14 — IV 51% · EM ±5.6%Aug 17 — IV 53% · EM ±4.4%Aug 18 — IV 40% · EM ±2.9%Aug 19 — IV 49% · EM ±2.9%Aug 24 — IV 35% · EM ±7.3%Aug 25 — IV 33% · EM ±6.8%Aug 26 — IV 37% · EM ±7.4%Aug 27 — IV 38% · EM ±7.4%Aug 28 — IV 36% · EM ±6.9%Aug 31 — IV 38% · EM ±6.7%Sep 01 — IV 47% · EM ±8.1%Sep 02 — IV 48% · EM ±8.1%Sep 03 — IV 41% · EM ±6.7%Sep 09 — IV 59% · EM ±7.4%Sep 10 — IV 62% · EM ±7.4%Sep 11 — IV 62% · EM ±6.8%Sep 15 — IV 92% · EM ±6.7%Sep 16 — IV 117% · EM ±6.9%Sep 17 — IV 189% · EM ±7.9%Sep 21 — IV 53% · EM ±11.1%Sep 22 — IV 48% · EM ±9.8%Sep 23 — IV 44% · EM ±8.9%Sep 24 — IV 52% · EM ±10.2%Sep 25 — IV 51% · EM ±9.7%Sep 28 — IV 47% · EM ±8.3%Sep 29 — IV 44% · EM ±7.6%Sep 30 — IV 46% · EM ±7.6%Oct 02 — IV 52% · EM ±8.1%Oct 05 — IV 59% · EM ±8.1%Oct 06 — IV 57% · EM ±7.5%Oct 07 — IV 59% · EM ±7.3%Oct 08 — IV 62% · EM ±7.3%

Sector peers

TCBX
Third Coast Bancshares, Inc.
$687M $39.80-2.4%
HIFS
Hingham Institution for Savings
$614M $302.79+3.3%
NBBK
NB Bancorp, Inc.
$976M $23.03+2.9%
GCBC
Greene County Bancorp, Inc.
$582M $35.61+3.0%
HBCP
Home Bancorp, Inc.
$520M $61.44+2.7%
HFWA
Heritage Financial Corporation
$1.1B $29.15+5.3%

SMBC earnings FAQ

When is SMBC's next earnings date?

Southern Missouri Bancorp, Inc. is expected to report on October 28, 2026.

What is SMBC's expected move for earnings?

Options currently price a move of about ±7.3%, or $5.26 per share either way from $71.90.

How does SMBC stock usually react to earnings?

Across the last 6 reports the average next-day move was ±2.9%, up 6 times and down 0 times.

What EPS are analysts expecting from Southern Missouri Bancorp, Inc.?

The consensus estimate is $1.67 per share, versus $1.42 a year ago.

What is SMBC's implied volatility?

SMBC's at-the-money implied volatility is about 62% based on the latest options snapshot.

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