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
Net Interest Income	154.62	139.48	126.75	103.57	92.69
Net Interest Income Growth	10.85%	10.05%	22.38%	11.74%	15.66%
Non-Interest Income	27.98	24.84	26.2	21.2	20.04
Non-Interest Income Growth	12.64%	-5.19%	23.59%	5.79%	35.88%
Revenues Before Loan Losses	182.6	164.33	152.95	124.77	112.73
Provision for Credit 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%	27.98%
Compensation Expenses	55.76	53.25	46.9	35.61	31.01
Selling, General & Admin	17.69	15.98	16.46	10.95	9.04
Other Non-Interest Expenses	28.64	28.38	23.07	16.82	14
Total Non-Interest Expense	102.08	97.62	86.43	63.38	54.05
Pretax Income	73.99	63.11	49.46	59.9	59.71
Provision for Income Taxes	15.42	12.93	10.23	12.74	12.53
Net Income	58.58	50.18	39.24	47.17	47.18
Net Income to Common	58.58	50.18	39.24	47.17	47.18
Net Income Growth	16.73%	27.89%	-16.82%	-0.02%	71.28%
Shares Outstanding (Basic)	-	11	10	9	9
Shares Outstanding (Diluted)	-	11	10	9	9
Shares Change (YoY)	-	11.43%	12.55%	0.01%	-2.05%
EPS (Basic)	-	4.42	3.86	5.22	5.22
EPS (Diluted)	-	4.42	3.85	5.21	5.22
EPS Growth	-	14.80%	-26.10%	-0.19%	74.58%
Free Cash Flow	75.29	61.22	55.98	62.73	48.91
Free Cash Flow Growth	22.99%	9.35%	-10.75%	28.26%	35.86%
Free Cash Flow Per Share	-	5.42	5.52	6.96	5.43
Dividends Per Share	0.920	0.840	0.840	0.800	0.620
Dividend Growth	9.52%	-	5.00%	29.03%	3.33%
Profit Margin	33.27%	31.22%	28.87%	38.26%	41.48%
FCF Margin	42.76%	38.09%	41.20%	50.88%	42.99%
EBITDA	10.02	10.09	7.56	5.92	5.42
EBITDA Margin	5.69%	6.28%	5.56%	4.80%	4.77%
Effective Tax Rate	20.83%	20.48%	20.67%	21.26%	20.98%

Updated Jun 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q