NASDAQ$SMBC
Southern Missouri Bancorp Inc · Q1 2021 earnings
Q1 2021 earnings · · Investor relations
Briefing
Reported preliminary results for the first quarter of fiscal year 2021.
Southern Missouri Bancorp reported a net income of $10.0 million for Q1 2021, an increase of $2.2 million, or 27.6%, compared to the same period last year. Earnings per diluted common share were $1.09, up $0.24, or 28.2%, compared to the same quarter a year ago.
- Annualized return on average assets was 1.57%, and annualized return on average common equity was 15.6%.
- Earnings per common share (diluted) were $1.09, up $.24, or 28.2%, as compared to the same quarter a year ago.
- Provision for loan losses was $774,000, a decrease of $122,000, or 13.6%, as compared to the same period of the prior year.
- Net interest margin for the first quarter of fiscal 2021 was 3.73%, down from the 3.81% reported for the year ago period.
Headline financials
Revenue & EPS history
Southern Missouri Bancorp · Revenue · Quarterly
$27M
Revenue by segment
Southern Missouri Bancorp · $4.29M total across 6 segments · Q1 2021
- Deposit fees$1.34M-5.9%31.2%
- Loan sale gains$1.21M+341.8%28.1%
- Card interchange$830K+10.5%19.3%
- Other loan fees$327K+34.6%7.6%
- Loan servicing fees$310K+138.5%7.2%
- BOLI income$280K+10.2%6.5%
Forward guidance
Forward-looking statements are subject to risks, uncertainties, and other factors that could cause the actual results to differ materially from the forward-looking statements.
Tailwinds
- timely development of and acceptance of our new products and services
- success at managing the risks involved in the foregoing
- expected cost savings
- synergies and other benefits from our merger and acquisition activities
- ability to access cost-effective funding
Headwinds
- potential adverse impacts to the economic conditions in the Company’s local market areas
- fluctuations in interest rates and in real estate values
- risks of lending and investing activities
- legislative or regulatory changes that adversely affect our business
- the impact of technological changes
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q1 2021
-0.5%
Avg return
Earnings day
+0.5%
Avg return
5 days after
+2.9%
Avg return
30 days after
44%
28 / 64 earnings
Positive
+10.2%
Q1 2021
Best reaction
-14.0%
Q3 2023
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q3 2026 | -0.8% | +6.3% | +4.7% | |
| Q2 2026 | +5.3% | -2.3% | -5.5% | |
| Q1 2026 | +0.1% | -2.0% | +5.9% | |
| Q3 2025 | +0.1% | -3.3% | -4.6% | |
| Q2 2025 | +1.7% | +1.9% | -1.7% | |
| Q1 2025 | +4.3% | +2.7% | +15.7% | |
| Q4 2024 | +5.5% | -0.3% | +7.9% | |
| Q3 2024 | -2.1% | +1.1% | +0.3% | |
| Q2 2024 | -3.8% | -15.4% | -16.1% | |
| Q1 2024 | +0.9% | +2.0% | +13.0% | |
| Q4 2023 | +7.7% | +9.0% | +2.5% | |
| Q3 2023 | -14.0% | -10.7% | +2.4% | |
| Q2 2023 | +2.3% | +5.7% | -2.7% | |
| Q1 2023 | -8.1% | -5.4% | -1.7% | |
| Q4 2022 | +4.6% | +13.5% | +11.8% | |
| Q3 2022 | -4.5% | -7.6% | +0.1% | |
| Q2 2022 | +3.0% | +3.5% | -1.1% | |
| Q1 2022 | +0.4% | +12.5% | +16.0% | |
| Q4 2021 | +1.3% | +1.0% | +2.0% | |
| Q3 2021 | +0.8% | +4.2% | +9.7% | |
| Q2 2021 | -1.4% | +2.0% | +8.6% | |
| Q1 2021 | +10.2% | +4.6% | +25.7% | |
| Q4 2020 | -1.6% | +0.5% | +6.0% | |
| Q3 2020 | -1.2% | -3.2% | +1.2% | |
| Q2 2020 | +0.5% | -1.6% | -3.3% | |
| Q1 2020 | -0.2% | -0.4% | +2.7% | |
| Q4 2019 | +0.1% | +6.9% | +4.6% | |
| Q3 2019 | -1.6% | +0.6% | +0.7% | |
| Q2 2019 | +1.7% | +6.6% | +10.6% | |
| Q1 2019 | -0.9% | -5.2% | -5.4% | |
| Q4 2018 | -0.2% | -0.8% | -0.5% | |
| Q3 2018 | -6.0% | -5.8% | -4.1% | |
| Q2 2018 | -1.2% | +0.3% | -8.2% | |
| Q1 2018 | +1.5% | +6.2% | +7.5% | |
| Q4 2017 | +0.6% | +0.0% | -1.6% | |
| Q3 2017 | -1.4% | -4.0% | -10.0% | |
| Q2 2017 | +2.3% | +0.1% | +6.5% | |
| Q1 2017 | +1.3% | -0.2% | +18.6% | |
| Q4 2016 | -0.4% | -3.1% | -4.2% | |
| Q3 2016 | +1.6% | — | — | |
| Q2 2016 | -0.8% | — | — | |
| Q1 2016 | -0.6% | — | — | |
| Q4 2015 | +0.3% | — | — | |
| Q3 2015 | -1.4% | — | — | |
| Q2 2015 | -2.0% | — | — | |
| Q1 2015 | +3.1% | — | — | |
| Q4 2014 | +1.0% | — | — | |
| Q3 2014 | -1.4% | — | — | |
| Q2 2014 | +3.5% | — | — | |
| Q1 2014 | +5.3% | — | — | |
| Q4 2013 | +0.0% | — | — | |
| Q3 2013 | -5.0% | — | — | |
| Q2 2013 | -1.7% | — | — | |
| Q1 2013 | +0.0% | — | — | |
| Q4 2012 | -0.4% | — | — | |
| Q4 2010 | -0.4% | — | — | |
| Q3 2012 | -2.3% | — | — | |
| Q2 2011 | -3.3% | — | — | |
| Q2 2012 | -3.3% | — | — | |
| Q4 2011 | -6.1% | — | — | |
| Q1 2012 | -6.1% | — | — | |
| Q3 2011 | -6.1% | — | — | |
| Q1 2011 | -6.1% | — | — | |
| Q3 2010 | -4.7% | — | — |
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