Southern Missouri Bancorp, Inc. (SMBC)

Southern Missouri Bancorp Income Statement

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

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun 30, 2026	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022
Interest Income on Loans	265.21	250.85	222.51	162.22	111.5
Interest Income on Investments	23.78	26.52	25.86	14.19	5.37
Total Interest Income	288.99	277.37	248.38	176.42	116.87
Interest Paid on Deposits	109.21	115.77	101.71	44.39	11.82
Interest Paid on Borrowings	6.93	6.98	7.19	5.28	1.48
Total Interest Expense	116.14	122.75	108.89	49.67	13.3
Net Interest Income	172.85	154.62	139.48	126.75	103.57
Net Interest Income Growth	11.79%	10.85%	10.05%	22.38%	11.74%
Trust Income	3.77	3.3	3.17	2.18	1.81
Gain (Loss) on Sale of Investments	-	0.05	-1.49	-	-
Other Non-Interest Income	13.64	15.26	15.06	15.48	11.34
Total Non-Interest Income	27.8	27.98	24.84	26.2	21.2
Non-Interest Income Growth	-0.67%	12.64%	-5.19%	23.59%	5.79%
Revenues Before Loan Losses	200.65	182.6	164.33	152.95	124.77
Provision for Loan Losses	11.45	6.52	3.6	17.06	1.49
Revenue	189.19	176.08	160.73	135.89	123.28
Revenue Growth	7.45%	9.55%	18.28%	10.22%	8.38%
Salaries and Employee Benefits	53.11	54.09	52.22	46.06	34.91
Occupancy Expenses	14.22	13.7	14.41	11.22	9.25
Federal Deposit Insurance	2.2	2.34	2.46	1.47	0.74
Amortization of Goodwill & Intangibles	3.08	3.54	4.07	2.63	1.44
Selling, General & Administrative	21.23	20.55	17.01	17.29	11.65
Other Non-Interest Expense	8.02	7.77	7.29	7.66	4.86
Total Non-Interest Expense	102.09	102.08	97.62	86.43	63.38
EBT Excluding Unusual Items	87.1	73.99	63.11	49.46	59.9
Pretax Income	87.1	73.99	63.11	49.46	59.9
Income Tax Expense	15.27	15.42	12.93	10.23	12.74
Net Income	71.84	58.58	50.18	39.24	47.17
Preferred Dividends & Other Adjustments	0.31	0.26	0.26	0.19	0.2
Net Income to Common	71.53	58.31	49.93	39.05	46.97
Net Income Growth	22.66%	16.80%	27.87%	-16.88%	-0.11%
Basic Shares Outstanding	11	11	11	10	9
Diluted Shares Outstanding	11	11	11	10	9
Shares Change	-1.13%	-0.38%	11.43%	12.55%	0.01%
EPS (Basic)	6.44	5.19	4.42	3.86	5.22
EPS (Diluted)	6.43	5.18	4.42	3.85	5.21
EPS Growth	24.13%	17.20%	14.80%	-26.10%	-0.19%

Additional Metrics

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun 30, 2026	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022
Dividend Per Share	1.000	0.920	0.840	0.840	0.800
Dividend Growth	8.70%	9.52%	0%	5.00%	29.03%
Effective Tax Rate	17.52%	20.83%	20.48%	20.67%	21.26%

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 23, 2026

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