Southern Missouri Bancorp, Inc. (SMBC)

Southern Missouri Bancorp Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Interest Income on Loans	258.45	250.85	222.51	162.22	111.5	105.08
Interest Income on Investments	27.38	26.52	25.86	14.19	5.37	4.4
Total Interest Income	285.83	277.37	248.38	176.42	116.87	109.48
Interest Paid on Deposits	114.08	115.77	101.71	44.39	11.82	14.89
Interest Paid on Borrowings	6.65	6.98	7.19	5.28	1.48	1.9
Total Interest Expense	120.73	122.75	108.89	49.67	13.3	16.79
Net Interest Income	165.1	154.62	139.48	126.75	103.57	92.69
Net Interest Income Growth (YoY)	14.33%	10.85%	10.05%	22.38%	11.74%	15.66%
Trust Income	3.51	3.3	3.17	2.18	1.81	-
Gain (Loss) on Sale of Investments	0.05	0.05	-1.49	-	-	0.09
Other Non-Interest Income	14.14	15.26	15.06	15.48	11.34	10.72
Total Non-Interest Income	27.29	27.98	24.84	26.2	21.2	20.04
Non-Interest Income Growth (YoY)	-0.35%	12.64%	-5.19%	23.59%	5.79%	42.61%
Revenues Before Loan Losses	192.39	182.6	164.33	152.95	124.77	112.73
Provision for Loan Losses	9.61	6.52	3.6	17.06	1.49	-1.02
Revenue	182.78	176.08	160.73	135.89	123.28	113.75
Revenue Growth (YoY)	9.51%	9.55%	18.28%	10.22%	8.38%	28.99%
Salaries and Employee Benefits	52.67	54.09	52.22	46.06	34.91	30.46
Occupancy Expenses	14.34	13.7	13.19	11.22	9.25	7.88
Federal Deposit Insurance	2.5	2.34	2.46	1.47	0.74	0.77
Amortization of Goodwill & Intangibles	3.41	3.54	4.07	2.63	1.44	1.4
Selling, General & Administrative	20.85	20.55	18.23	17.29	11.65	9.59
Other Non-Interest Expense	7.82	7.77	7.29	7.66	4.86	3.81
Total Non-Interest Expense	101.69	102.08	97.62	86.43	63.38	54.05
EBT Excluding Unusual Items	81.1	73.99	63.11	49.46	59.9	59.71
Pretax Income	81.1	73.99	63.11	49.46	59.9	59.71
Income Tax Expense	15.83	15.42	12.93	10.23	12.74	12.53
Net Income	65.27	58.58	50.18	39.24	47.17	47.18
Preferred Dividends & Other Adjustments	0.29	0.26	0.26	0.19	0.2	0.15
Net Income to Common	64.98	58.31	49.93	39.05	46.97	47.03
Net Income Growth	25.64%	16.73%	27.89%	-16.82%	-0.02%	71.28%
Basic Shares Outstanding	11	11	11	10	9	9
Diluted Shares Outstanding	11	11	11	10	9	9
Shares Change (YoY)	-0.28%	-0.38%	11.43%	12.55%	0.01%	-2.05%
EPS (Basic)	5.79	5.19	4.42	3.86	5.22	5.22
EPS (Diluted)	5.78	5.18	4.42	3.85	5.21	5.22
EPS Growth	25.92%	17.20%	14.80%	-26.10%	-0.19%	74.58%
Dividend Per Share	0.960	0.920	0.840	0.840	0.800	0.620
Dividend Growth	9.09%	9.52%	-	5.00%	29.03%	3.33%
Effective Tax Rate	19.52%	20.83%	20.48%	20.67%	21.26%	20.98%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q