Southern Missouri Bancorp, Inc. (SMBC)

Southern Missouri Bancorp Income Statement

Financials in millions USD. Fiscal year is July - June.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Interest Income on Loans	250.85	222.51	162.22	111.5	105.08
Interest Income on Investments	26.52	25.86	14.19	5.37	4.4
Total Interest Income	277.37	248.38	176.42	116.87	109.48
Interest Paid on Deposits	115.77	101.71	44.39	11.82	14.89
Interest Paid on Borrowings	6.98	7.19	5.28	1.48	1.9
Total Interest Expense	122.75	108.89	49.67	13.3	16.79
Net Interest Income	154.62	139.48	126.75	103.57	92.69
Net Interest Income Growth (YoY)	10.85%	10.05%	22.38%	11.74%	15.66%
Trust Income	3.3	3.17	2.18	1.81	-
Gain (Loss) on Sale of Investments	0.05	-1.49	-	-	0.09
Other Non-Interest Income	15.26	15.06	15.48	11.34	10.72
Total Non-Interest Income	27.98	24.84	26.2	21.2	20.04
Non-Interest Income Growth (YoY)	12.64%	-5.19%	23.59%	5.79%	42.61%
Revenues Before Loan Losses	182.6	164.33	152.95	124.77	112.73
Provision for Loan Losses	6.52	3.6	17.06	1.49	-1.02
Revenue	176.08	160.73	135.89	123.28	113.75
Revenue Growth (YoY)	9.55%	18.28%	10.22%	8.38%	28.99%
Salaries and Employee Benefits	54.09	52.22	46.06	34.91	30.46
Occupancy Expenses	13.7	13.19	11.22	9.25	7.88
Federal Deposit Insurance	2.34	2.46	1.47	0.74	0.77
Amortization of Goodwill & Intangibles	3.54	4.07	2.63	1.44	1.4
Selling, General & Administrative	20.55	18.23	17.29	11.65	9.59
Other Non-Interest Expense	7.77	7.29	7.66	4.86	3.81
Total Non-Interest Expense	102.08	97.62	86.43	63.38	54.05
EBT Excluding Unusual Items	73.99	63.11	49.46	59.9	59.71
Pretax Income	73.99	63.11	49.46	59.9	59.71
Income Tax Expense	15.42	12.93	10.23	12.74	12.53
Net Income	58.58	50.18	39.24	47.17	47.18
Preferred Dividends & Other Adjustments	0.26	0.26	0.19	0.2	0.15
Net Income to Common	58.31	49.93	39.05	46.97	47.03
Net Income Growth	16.73%	27.89%	-16.82%	-0.02%	71.28%
Basic Shares Outstanding	11	11	10	9	9
Diluted Shares Outstanding	11	11	10	9	9
Shares Change (YoY)	-0.38%	11.43%	12.55%	0.01%	-2.05%
EPS (Basic)	5.19	4.42	3.86	5.22	5.22
EPS (Diluted)	5.18	4.42	3.85	5.21	5.22
EPS Growth	17.20%	14.80%	-26.10%	-0.19%	74.58%
Dividend Per Share	0.920	0.840	0.840	0.800	0.620
Dividend Growth	9.52%	-	5.00%	29.03%	3.33%
Effective Tax Rate	20.83%	20.48%	20.67%	21.26%	20.98%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q