SMBC Earnings Prediction
The chart below shows how SMBC performed 10 days before and after its earnings report, based on data from the past quarters. Typically, SMBC sees a -2.79% change in stock price 10 days leading up to the earnings, and a +2.13% change 10 days following the report. On the earnings day itself, the stock moves by +0.15%. This data can give you a slight idea of what to expect for the next quarter's release.
SMBC Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
41.91M
13.60%
2.47%
Gross Margin
--
--
--
Operating Margin
47.46%
10.84%
13.81%
Net Margin
34.82%
5.36%
14.31%
EPS
1.29
20.56%
17.27%
No Data Available
SMBC Earnings Analysis
Southern Missouri Bancorp Inc Corporation (SMBC.O) Earnings Conference Call
Positive
Earnings Per Share Growth: Earnings per share increased to $1.30 in the December quarter, up $0.20 from the linked September quarter and $0.23 from the December 2023 quarter, indicating strong profitability growth.
Net Interest Income Increase: Net interest income rose by 4% quarter over quarter and approximately 10.5% year over year, driven by a larger earning asset base and lower funding costs.
Loan Balance Growth: Gross loan balances increased by over $60 million during the quarter, with a year-over-year growth of $295 million, or just under 8%.
Deposit Balance Growth: Deposit balances grew by about $170 million in the second quarter and increased by $225 million, or approximately 5.5%, compared to December 31 of the prior year, reflecting strong customer inflows.
Tangible Book Value Growth: Tangible book value per share increased by $4.26, or 12%, over the last 12 months, demonstrating solid capital growth.
Negative
Non-Interest Income Decline: Non interest income decreased by 4.3% compared to the linked quarter, primarily due to reduced gains on the sale of loans and lower interchange income.
Tax Rate Increase: The effective tax rate increased to 23.7% in the quarter, up from 21.3% in the linked quarter and 20.6% in the same quarter of the prior fiscal year, due to an adjustment of tax accruals related to completed merger activity.
Credit Loss Provision Decline: The provision for credit losses was $932,000, down from $2,200,000 in the linked quarter, indicating a potential increase in problem loans and net charge-offs in the future.
Non-Performing Loans Increase: Non-performing loan balances increased slightly by $103,000 to $8,000,000, which is up 5 basis points from the prior year end, reflecting a deterioration in asset quality.
Agricultural Loan Decline: Loan balances in agricultural production and equipment decreased by $12,000,000 quarter over quarter, indicating a decline in lending activity in this segment.
SMBC FAQs
How does SMBC typically perform around its earnings report dates?
Is Southern Missouri Bancorp Inc (SMBC) Q2 2025 Earnings Call Summary positive or negative?
How can historical earnings data help predict future stock performance?
SMBC Earning Call Sentiment
Earnings call transcript: Southern Missouri's Q2 2025 earnings beat forecasts
SMBC.O
2.04%Positive
The earnings call presents a mixed picture: strong loan growth and stable financial metrics, but concerns about deposit competition and economic factors in agriculture. Positive EPS growth and net interest income are offset by seasonal loan growth slowdown and lack of a shareholder return plan. The Q&A highlights management's uncertainty about deposit competition and liquidity pressures, which tempers optimism. Overall, the sentiment is neutral, as the positive aspects balance out the concerns, leading to an expectation of minimal stock price movement.
