Southern Missouri Bancorp (SMBC) Financial Statements & Analysis

Southern Missouri Bancorp Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Southern Missouri Bancorp, Inc. income statement - Annual data in millions USD
Breakdown	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Jun 2026	Jun 2025	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020	Jun 2019	Jun 2018	Jun 2017
Revenue & Gross Profit
Revenue	316.54	182.60	160.73	152.95	124.77	129.52	121.80	110.58	89.54	71.42
Cost of Revenue	127.59	129.27	112.49	66.73	14.79	15.77	33.57	26.88	17.90	12.71
Gross Profit	188.95	176.08	160.73	135.89	123.28	113.75	88.19	83.69	71.71	58.72
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	70.35	60.16	36.92	50.14	37.85	32.86	37.96	28.20	29.66	21.75
Operating Expenses	101.85	102.08	97.62	86.43	63.38	54.05	53.80	47.74	42.92	37.10
Operating Income	87.10	73.99	63.11	49.46	59.90	59.71	34.43	35.95	28.73	21.61
Other Income/Expense
Interest Income	288.99	277.37	248.38	176.42	116.87	109.48	107.05	97.48	77.17	61.49
Interest Expense	116.14	122.75	108.89	49.67	13.30	16.79	26.92	24.70	14.79	10.37
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	87.10	73.99	63.11	49.46	59.90	59.71	34.43	35.95	28.73	21.61
Income Tax Expense	15.26	15.42	12.93	10.23	12.74	12.53	6.89	7.05	7.80	6.06
Net Income	71.84	58.58	50.18	39.24	47.17	47.18	27.55	28.90	20.93	15.55
Net Income - Continuous Operations	71.84	58.58	50.18	39.24	47.17	47.18	27.55	28.90	20.93	15.55
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-	-
EBITDA	87.10	10.02	10.09	7.56	65.83	65.13	39.99	41.03	33.31	25.51
EBIT	-	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	0.00	3.54	4.07	2.63	1.44	5.42	5.55	5.07	4.58	3.89
Earnings Per Share
Basic EPS	6.00	5.00	4.00	4.00	5.00	5.00	3.00	3.00	2.00	2.00
Diluted EPS	6.00	5.00	4.00	4.00	5.00	5.00	3.00	3.00	2.00	2.00
Basic Shares Outstanding	11.09	11.24	11.29	11.33	8.99	9.01	9.20	9.19	8.73	7.48
Diluted Shares Outstanding	11.12	11.25	11.30	11.33	9.01	9.01	9.20	9.20	8.76	7.51

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Southern Missouri Bancorp Financial Statements

What was Southern Missouri Bancorp's revenue in fiscal 2026?

Southern Missouri Bancorp reported revenue of $316.54M in fiscal 2026 (fiscal year ended Jun 30, 2026). That was up 73.4% from $182.60M a year earlier.

Is Southern Missouri Bancorp profitable?

Yes. Southern Missouri Bancorp earned net income of $71.84M in fiscal 2026, a net margin of 22.7%. In fiscal 2025 it earned $58.58M.

What is Southern Missouri Bancorp's operating margin?

Southern Missouri Bancorp's operating income was $87.10M on revenue of $316.54M in fiscal 2026, an operating margin of 27.5%, compared with 40.5% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition