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	Mar 31, 2026	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Net Interest Income	168.78	154.62	139.48	126.75	103.57	92.69
Net Interest Income Growth	12.98%	10.85%	10.05%	22.38%	11.74%	15.66%
Non-Interest Income	27.72	27.98	24.84	26.2	21.2	20.04
Non-Interest Income Growth	-2.65%	12.64%	-5.19%	23.59%	5.79%	35.88%
Revenues Before Loan Losses	196.49	182.6	164.33	152.95	124.77	112.73
Provision for Credit Losses	10.76	6.52	3.6	17.06	1.49	-1.02
Revenue	185.73	176.08	160.73	135.89	123.28	113.75
Revenue Growth (YoY)	7.41%	9.55%	18.28%	10.22%	8.38%	27.98%
Compensation Expenses	54.62	55.76	53.25	46.9	35.61	31.01
Selling, General & Admin	39.59	38.45	36.92	31.78	22.38	19.08
Other Non-Interest Expenses	8.31	7.87	7.44	7.75	5.39	3.95
Total Non-Interest Expense	102.52	102.08	97.62	86.43	63.38	54.05
Pretax Income	83.22	73.99	63.11	49.46	59.9	59.71
Provision for Income Taxes	19.66	15.42	12.93	10.23	12.74	12.53
Net Income	67.35	58.58	50.18	39.24	47.17	47.18
Net Income Attributable to Preferred Dividends	0.07	-	-	-	-	-
Net Income to Common	67.35	58.58	50.18	39.24	47.17	47.18
Net Income Growth	19.57%	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)	-0.55%	-0.38%	11.43%	12.55%	0.01%	-2.05%
EPS (Basic)	6.01	5.18	4.42	3.85	5.21	5.22
EPS (Diluted)	6.00	5.18	4.42	3.85	5.21	5.22
EPS Growth	20.48%	17.20%	14.80%	-26.10%	-0.19%	74.58%
Shares Outstanding	11.02	11.3	11.37	11.33	9.31	8.91
Free Cash Flow	89.94	75.29	61.22	55.98	62.73	48.91
Free Cash Flow Growth	19.45%	22.99%	9.35%	-10.75%	28.26%	35.86%
Free Cash Flow Per Share	8.03	6.69	5.42	5.52	6.96	5.43
Dividends Per Share	0.980	0.920	0.840	0.840	0.800	0.620
Dividend Growth	6.52%	9.52%	-	5.00%	29.03%	3.33%
Profit Margin	36.26%	33.27%	31.22%	28.87%	38.26%	41.48%
FCF Margin	48.42%	42.76%	38.09%	41.20%	50.88%	42.99%
EBITDA	9.84	10.02	10.09	7.56	5.92	5.42
EBITDA Margin	5.30%	5.69%	6.28%	5.56%	4.80%	4.77%
Effective Tax Rate	23.62%	20.83%	20.48%	20.67%	21.26%	20.98%

Updated May 8, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q