Southern Missouri Bancorp Income Statement

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

Millions USD. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Net Interest Income	165.1	154.62	139.48	126.75	103.57	92.69
Net Interest Income Growth	14.33%	10.85%	10.05%	22.38%	11.74%	15.66%
Non-Interest Income	27.29	27.98	24.84	26.2	21.2	20.04
Non-Interest Income Growth	-0.70%	12.64%	-5.19%	23.59%	5.79%	35.88%
Revenues Before Loan Losses	192.39	182.6	164.33	152.95	124.77	112.73
Provision for Credit 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)	9.45%	9.55%	18.28%	10.22%	8.38%	27.98%
Compensation Expenses	54.34	55.76	53.25	46.9	35.61	31.01
Selling, General & Admin	39.42	38.45	36.92	31.78	22.38	19.08
Other Non-Interest Expenses	7.92	7.87	7.44	7.75	5.39	3.95
Total Non-Interest Expense	101.69	102.08	97.62	86.43	63.38	54.05
Pretax Income	81.1	73.99	63.11	49.46	59.9	59.71
Provision for Income Taxes	15.83	15.42	12.93	10.23	12.74	12.53
Net Income	65.2	58.58	50.18	39.24	47.17	47.18
Net Income to Common	65.2	58.58	50.18	39.24	47.17	47.18
Net Income Growth	25.67%	16.73%	27.89%	-16.82%	-0.02%	71.28%
Shares Outstanding (Basic)	11	11	11	10	9	9
Shares Outstanding (Diluted)	11	11	11	10	9	9
Shares Change (YoY)	-0.25%	-0.38%	11.43%	12.55%	0.01%	-2.05%
EPS (Basic)	5.80	5.18	4.42	3.85	5.21	5.22
EPS (Diluted)	5.79	5.18	4.42	3.85	5.21	5.22
EPS Growth	26.42%	17.20%	14.80%	-26.10%	-0.19%	74.58%
Free Cash Flow	84.13	75.29	61.22	55.98	62.73	48.91
Free Cash Flow Growth	11.74%	22.99%	9.35%	-10.75%	28.26%	35.86%
Free Cash Flow Per Share	7.48	6.69	5.42	5.52	6.96	5.43
Dividends Per Share	0.960	0.920	0.840	0.840	0.800	0.620
Dividend Growth	4.35%	9.52%	-	5.00%	29.03%	3.33%
Profit Margin	35.71%	33.27%	31.22%	28.87%	38.26%	41.48%
FCF Margin	46.03%	42.76%	38.09%	41.20%	50.88%	42.99%
EBITDA	9.96	10.02	10.09	7.56	5.92	5.42
EBITDA Margin	5.45%	5.69%	6.28%	5.56%	4.80%	4.77%
Effective Tax Rate	19.52%	20.83%	20.48%	20.67%	21.26%	20.98%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q