Southern Missouri Bancorp, Inc. (SMBC) Earnings History
Annual and quarterly earnings data from 1995 to 2025
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SMBC EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
SMBC Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 57.7% | 24.2% | 19.1% |
| 2024 | 58.8% | 23.1% | 18.4% |
| 2023 | 67.1% | 24.4% | 19.4% |
| 2022 | 89.3% | 43.4% | 34.2% |
| 2021 | 87.8% | 46.1% | 36.4% |
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Southern Missouri Bancorp, Inc. (SMBC) Earnings Overview
As of May 8, 2026, Southern Missouri Bancorp, Inc. (SMBC) reported trailing twelve-month net income of $65M, reflecting +17.2% year-over-year growth. The company earned $5.83 per diluted share over the past four quarters, with a net profit margin of 19.1%.
Looking at the long-term picture, SMBC's 5-year EPS compound annual growth rate (CAGR) stands at +11.6%, showing solid earnings momentum. The company achieved its highest annual net income of $58M in fiscal 2025, representing a new all-time high.
Southern Missouri Bancorp, Inc. maintains industry-leading profitability with a gross margin of 57.7%, operating margin of 24.2%, and net margin of 19.1%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including FFIN ($243M net income, 30.2% margin), IBCP ($69M net income, 21.7% margin), NBTB ($169M net income, 19.5% margin), SMBC has room to improve margins relative to the peer group. Compare SMBC vs FFIN →
SMBC Earnings vs Peers
Earnings metrics vs comparable public companies
SMBC Historical Earnings Data (1995–2025)
31 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $58M | +16.2% | $74M | $5.18 | 19.1% | 24.2% |
| 2024 | $50M | +27.9% | $63M | $4.42 | 18.4% | 23.1% |
| 2023 | $39M | -16.8% | $49M | $3.85 | 19.4% | 24.4% |
| 2022 | $47M | -0.0% | $60M | $5.21 | 34.2% | 43.4% |
| 2021 | $47M | +71.3% | $60M | $5.22 | 36.4% | 46.1% |
| 2020 | $28M | -4.7% | $34M | $2.99 | 22.6% | 28.3% |
| 2019 | $29M | +38.1% | $36M | $3.14 | 26.1% | 32.5% |
| 2018 | $21M | +34.6% | $29M | $2.39 | 23.4% | 32.1% |
| 2017 | $16M | +4.7% | $22M | $2.08 | 21.8% | 30.3% |
| 2016 | $15M | +8.6% | $22M | $1.98 | 22.8% | 33.1% |
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Start ComparisonSMBC — Frequently Asked Questions
Quick answers to the most common questions about buying SMBC stock.
Is SMBC growing earnings?
SMBC EPS is $5.83, with earnings growth accelerating to +17.2%. This exceeds the 5-year CAGR of +11.6%. TTM net income reached $65M.
What are SMBC's profit margins?
Southern Missouri Bancorp, Inc. net margin is +19.1%, with operating margin at +24.2%. Above-average margins indicate pricing power.
How consistent are SMBC's earnings?
SMBC earnings data spans 1995-2025. The accelerating earnings trend is +17.2% YoY. Historical data enables comparison across business cycles.