Southern Missouri Bancorp, Inc. (SMBC) Income Statement
SMBC FY2026 at a glance
Fiscal year ended June 30, 2026 · U.S. dollarsSMBC revenue and net income
Where SMBC's revenue goes
FY2026Each bar shows an amount and its share of revenue. SMBC kept 22.7% of revenue as net income.
SMBC profit margins
SMBC growth rates
to FY2026| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +3.7% | +16.0% | +19.6% | +17.1% |
| Gross profit | +7.3% | +11.6% | +10.7% | +13.5% |
| Operating income | +17.7% | +20.8% | +7.8% | +15.0% |
| Net income | +23.2% | +22.3% | +8.8% | +17.1% |
| EPS (diluted) | +24.1% | +11.6% | +4.5% | +12.8% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
SMBC quarterly EPS vs estimates
Southern Missouri Bancorp beat the analyst EPS estimate in 7 of the last 8 quarters. Next report: October 28, 2026 (estimate $1.67).
SMBC income statement
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $316.5M | $305.2M | $273.2M | $202.6M | $138.1M | $129.5M | $121.8M | $110.6M | $89.5M | $71.4M |
| Cost of revenue | $127.6M | $129.3M | $112.5M | $66.7M | $14.8M | $15.8M | $33.6M | $26.9M | $17.9M | $12.7M |
| Gross profit | $189.0M | $176.1M | $160.7M | $135.9M | $123.3M | $113.8M | $88.2M | $83.7M | $71.7M | $58.7M |
| Research & development | — | — | — | — | — | — | — | — | $0 | $0 |
| Sales, general & admin | $70.3M | $60.2M | $57.8M | $50.1M | $37.9M | $32.9M | $38.0M | $28.2M | $29.7M | $21.8M |
| Total operating expenses | $101.8M | $102.1M | $97.6M | $86.4M | $63.4M | $54.0M | $53.8M | $47.7M | $42.9M | $37.1M |
| Operating income | $87.1M | $74.0M | $63.1M | $49.5M | $59.9M | $59.7M | $34.4M | $36.0M | $28.7M | $21.6M |
| Interest income | $289.0M | $277.4M | $248.4M | $176.4M | $116.9M | $109.5M | $107.1M | $97.5M | $77.2M | $61.5M |
| Interest expense | $116.1M | $122.7M | $108.9M | $49.7M | $13.3M | $16.8M | $26.9M | $24.7M | $14.8M | $10.4M |
| Income before taxes | $87.1M | $74.0M | $63.1M | $49.5M | $59.9M | $59.7M | $34.4M | $36.0M | $28.7M | $21.6M |
| Income taxes | $15.3M | $15.4M | $12.9M | $10.2M | $12.7M | $12.5M | $6.9M | $7.0M | $7.8M | $6.1M |
| Net income | $71.8M | $58.3M | $50.2M | $39.2M | $47.2M | $47.2M | $27.5M | $28.9M | $20.9M | $15.6M |
| EBITDA | $87.1M | $84.0M | $73.2M | $57.0M | $65.8M | $65.1M | $40.0M | $41.0M | $33.3M | $25.5M |
| EPS (diluted) | $6.43 | $5.18 | $4.41 | $4.62 | $5.22 | $5.15 | $3.14 | $3.15 | $2.45 | $2.16 |
| Gross margin | 59.7% | 57.7% | 58.8% | 67.1% | 89.3% | 87.8% | 72.4% | 75.7% | 80.1% | 82.2% |
| Operating margin | 27.5% | 24.2% | 23.1% | 24.4% | 43.4% | 46.1% | 28.3% | 32.5% | 32.1% | 30.3% |
| Net margin | 22.7% | 19.1% | 18.4% | 19.4% | 34.2% | 36.4% | 22.6% | 26.1% | 23.4% | 21.8% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $72.8M | $77.9M | $79.0M | $79.6M | $77.9M | $76.6M | $76.3M | $74.6M | $72.4M | $69.6M | $67.2M | $64.0M |
| Cost of revenue | $24.2M | $29.9M | $29.4M | $35.1M | $32.8M | $31.4M | $32.2M | $32.9M | $30.5M | $30.4M | $28.0M | $23.6M |
| Gross profit | $48.5M | $48.1M | $49.6M | $44.5M | $45.1M | $45.2M | $44.1M | $41.7M | $42.0M | $39.2M | $39.2M | $40.3M |
| Sales, general & admin | $1.2M | $1.1M | $13.7M | $14.3M | $1.7M | $15.0M | $14.8M | $15.4M | $15.2M | $15.0M | $14.0M | $13.7M |
| Total operating expenses | $25.5M | $26.1M | $25.3M | $25.1M | $26.0M | $25.4M | $24.9M | $25.8M | $25.0M | $25.0M | $23.9M | $23.7M |
| Operating income | $23.0M | $21.9M | $24.4M | $19.4M | $19.1M | $19.8M | $19.2M | $15.8M | $17.0M | $14.1M | $15.4M | $16.6M |
| Interest income | $72.8M | $71.0M | $72.2M | $73.0M | $70.6M | $69.9M | $69.4M | $67.4M | $64.7M | $64.0M | $61.6M | $58.1M |
| Interest expense | $28.4M | $27.8M | $29.4M | $30.6M | $30.3M | $30.4M | $31.3M | $30.7M | $29.6M | $29.5M | $27.1M | $22.7M |
| Income before taxes | $23.0M | $21.9M | $22.7M | $19.4M | $19.1M | $19.8M | $19.2M | $15.8M | $17.0M | $14.1M | $15.4M | $16.6M |
| Income taxes | $2.7M | $4.2M | $4.5M | $3.8M | $3.4M | $4.1M | $4.5M | $3.4M | $3.4M | $2.8M | $3.2M | $3.5M |
| Net income | $20.3M | $17.8M | $18.1M | $15.7M | $15.8M | $15.6M | $14.7M | $12.5M | $13.5M | $11.3M | $12.2M | $13.2M |
| EBITDA | $25.3M | $24.3M | $26.8M | $21.9M | $21.6M | $22.4M | $21.7M | $18.3M | $19.5M | $16.7M | $17.9M | $19.1M |
| EPS (diluted) | $1.83 | $1.60 | $1.62 | $1.38 | $1.39 | $1.39 | $1.30 | $1.10 | $1.19 | $0.99 | $1.07 | $1.16 |
| Gross margin | 66.7% | 61.7% | 62.8% | 55.9% | 57.9% | 59.1% | 57.8% | 55.9% | 57.9% | 56.3% | 58.4% | 63.1% |
| Operating margin | 31.6% | 28.2% | 30.9% | 24.4% | 24.6% | 25.9% | 25.2% | 21.2% | 23.4% | 20.3% | 22.9% | 26.0% |
| Net margin | 27.9% | 22.8% | 23.0% | 19.7% | 20.3% | 20.4% | 19.2% | 16.7% | 18.7% | 16.2% | 18.1% | 20.6% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in SMBC's financial statements (latest annual report filed September 11, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
SMBC financial results
In fiscal year 2026 (ended June 30, 2026), Southern Missouri Bancorp reported revenue of $316.5 million, up 3.7% from the year before. It had net income of $71.8 million (up 23.2%), a net profit margin of 22.7%. Diluted earnings per share came to $6.43. Over five years revenue grew at an average rate of 19.6% a year.
See the SMBC stock overview for the latest quote and news, or the SMBC chart for price history and technical indicators.
SMBC income statement FAQ
What is Southern Missouri Bancorp's annual revenue?
Southern Missouri Bancorp reported total revenue of $316.5 million for fiscal year 2026, which ended on June 30, 2026. That was up 3.7% from $305.2 million the previous year.
Is Southern Missouri Bancorp profitable?
Yes. Southern Missouri Bancorp reported net income of $71.8 million in fiscal 2026, a net profit margin of 22.7%; its operating margin was 27.5%.
What is Southern Missouri Bancorp's gross margin?
Southern Missouri Bancorp's gross margin was 59.7% in fiscal 2026: for every $100 of revenue, Southern Missouri Bancorp kept $60 after the direct cost of its products and services.
How fast is Southern Missouri Bancorp growing?
Revenue grew 19.6% a year on average over the last five fiscal years, from $129.5 million to $316.5 million.
What are Southern Missouri Bancorp's earnings per share?
Southern Missouri Bancorp earned $6.43 per diluted share in fiscal 2026, compared with $5.18 a year earlier.
When will Southern Missouri Bancorp report its next earnings?
Southern Missouri Bancorp is expected to report results for the quarter ending September 30, 2026 on October 28, 2026.
When does Southern Missouri Bancorp's fiscal year end?
Southern Missouri Bancorp's fiscal year ends in June. The latest annual report covers the year ended June 30, 2026 and was filed on September 11, 2026.