Stream authentication fails when workgroup (semicolon) delimiter missing from file URI

Authentication fails when using stream wrapper without workgroup delimiter:

$contents = file_get_contents('smb://user:pass@server/path/to/file');

However the following succeeds (note extra workgroup delimiter after protocol):

$contents = file_get_contents('smb://;user:pass@server/path/to/file');

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PHP 8.4.1
smbclient extension 1.1.2
libsmbclient library 4.20.2

Thanks Eduardo!