NASDAQ$SMBC
Southern Missouri Bancorp Inc · Q2 2022 earnings
Q2 2022 earnings · · Investor relations
Briefing
Net income slightly decreased due to increased noninterest expense, provision for income taxes, and decreased noninterest income, offset by increased net interest income and decreased provision for credit losses.
Southern Missouri Bancorp reported preliminary net income of $12.0 million for Q2 2022, a slight decrease of 0.5% compared to the same period last year. EPS increased to $1.35, up from $1.32 in the prior year. Deposit balances increased by $180.6 million, and net loans increased by $109.1 million.
- Annualized return on average assets was 1.69%, while annualized return on average common equity was 16.1%.
- Earnings per common share (diluted) were $1.35, up $.03, or 2.3%, as compared to the same quarter a year ago.
- The Company did not record a provision for credit losses (PCL) in the current quarter.
- Deposit balances increased by $180.6 million in the quarter, inclusive of $28.5 million growth attributable to a single branch purchase and assumption.
Headline financials
Revenue & EPS history
Southern Missouri Bancorp · Revenue · Quarterly
$30.3M
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
The matters discussed in this press release may be deemed to be forward-looking statements that are subject to known and unknown risks, uncertainties, and other factors that could cause the actual results to differ materially from the forward-looking statements
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 Q2 2022
-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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