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SMBC

Southern Missouri BancorpB
Nasdaq / Banks
Last Price
Quote time unavailable
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AI scenario view

RankAlpha Sentiment CodexPost-earnings T+3
B+
Bull case
25%
Probability
Target price
$88.00
Analysis reference price unavailable
Analysis 2026-07-30 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$80.00
Analysis reference price unavailable
Analysis 2026-07-30 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$67.00
Analysis reference price unavailable
Analysis 2026-07-30 · RankAlpha Sentiment Codex

The current persistence contract does not provide an exact AI reference price. RankAlpha therefore does not calculate scenario return from the live quote. How scenarios are presented

AI sentiment snapshot

Latest data as of 2026-07-30
Recent news sentiment (30D)
+25.9
Positive
Company
-
Unavailable
Macro
+25.9
Positive
Pulse
-
Unavailable
Weekly research (10D)
-36.0
Negative
Sentiment proxy
+71.7
Score

AI commentary

News tone is mixed-positive because the company delivered a reported earnings beat and dividend increase, while credit-cost and funding risks remain. The initial post-release reaction was modestly positive, but no durable follow-through or post-print analyst revision signal was confirmed; low coverage limits confidence.

RankAlpha Sentiment Codex - 2026-07-30
Open post-earnings memo

Evidence flagged

No evidence quality warning is currently attached to this memo.

Impact
standard
Confidence
-

AI events

2026-10-28eventStrong fiscal Q4 earnings beat with dividend increaseMedium impact

The company reported Q4 diluted EPS of $1.83, net income up 28.5% year over year, 3.67% NIM, 7.1% full-year loan growth, and an 8% dividend increase to $0.27 per share [#SEC-8K-2026-07-22]. Secondary earnings data indicates EPS and revenue exceeded consensus, although consensus estimates vary across providers ([MarketBeat](https://www.marketbeat.com/stocks/NASDAQ/SMBC/earnings/), [Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-southern-missouri-bancorp-tops-q4-2026-profit-views-93CH-4809512)).

2027-07-30catalystCredit costs and margin pressure may dominate post-earnings digestionMedium impact

Q4 provision for credit losses rose to $3.2 million, driven by higher charge-offs, the annual ACL model update, and loan-growth reserves; agricultural credit exposure and funding-cost pressure remain key monitoring points [#SEC-8K-2026-07-22].

2027-07-30catalystLoan growth, tangible-book growth, and capital returns support medium-term valueHigh impact

Fiscal 2026 gross loans grew 7.1%, deposits grew 3.0%, tangible book value per share rose 13.3%, and the company repurchased shares while raising its dividend [#SEC-8K-2026-07-22]. Sustainability depends on deposit funding, credit quality, and expense discipline.

View full catalyst timeline

Recommendation

N/A

No formal recommendation provided.

Open AI Memo
As of 2026-07-30 • Updated nightlySource: Internal modelMethodology