Southern Missouri Bancorp, Inc. (SMBC) Earnings History
Growth Compounder31 years of earnings data (1995–2025) · Consistent double-digit EPS growth over 5 years
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Southern Missouri Bancorp, Inc. (SMBC) Earnings Overview
As of June 22, 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 ($254M net income, 30.7% 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% |
| 2015 | $14M | +35.6% | $20M | $1.79 | 21.7% | 31.3% |
| 2014 | $10M | +0.1% | $14M | $1.46 | 22.2% | 30.4% |
| 2013 | $10M | -0.3% | $14M | $1.44 | 25.0% | 34.9% |
| 2012 | $10M | -12.0% | $15M | $1.66 | 23.8% | 34.6% |
| 2011 | $11M | +148.0% | $17M | $2.56 | 30.1% | 45.7% |
| 2010 | $5M | +20.6% | $6M | $0.98 | 15.1% | 20.0% |
| 2009 | $4M | +6.1% | $6M | $0.84 | 13.8% | 20.0% |
| 2008 | $4M | +23.4% | $5M | $0.82 | 13.0% | 19.4% |
| 2007 | $3M | +5.2% | $4M | $0.65 | 11.4% | 15.8% |
| 2006 | $3M | +2570.4% | $4M | $0.62 | 12.4% | 18.5% |
| 2005 | $104,259 | -96.4% | $22,359 | $0.03 | 0.5% | 0.1% |
| 2004 | $3M | +5.3% | $4M | $0.62 | 16.4% | 24.5% |
| 2003 | $3M | +18.6% | $4M | $0.57 | 15.4% | 23.6% |
| 2002 | $2M | +49.1% | $4M | $0.48 | 12.9% | 19.6% |
| 2001 | $2M | +17.3% | $2M | $0.31 | 8.8% | 13.6% |
| 2000 | $1M | -17.5% | $2M | $0.26 | 10.2% | 15.6% |
| 1999 | $2M | +45.5% | $3M | $0.30 | 12.6% | 19.7% |
| 1998 | $1M | +0.0% | $2M | $0.17 | 9.0% | 13.1% |
| 1997 | $1M | -26.7% | $2M | $0.17 | 9.2% | 12.5% |
| 1996 | $2M | +25.0% | $2M | $0.23 | 12.9% | 19.0% |
| 1995 | $1M | - | $2M | $0.19 | 11.8% | 16.7% |
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SMBC — Frequently Asked Questions
Quick answers to the most common questions about buying SMBC stock.
What is SMBC earnings per share (EPS)?
SMBC trailing twelve-month (TTM) diluted EPS is $5.83, reflecting +17.2% year-over-year growth. The 5-year EPS CAGR is +11.6%. Complete EPS history from 1995 to 2025 is available in the table on this page.
What is Southern Missouri Bancorp, Inc.'s net income?
Southern Missouri Bancorp, Inc. (SMBC) trailing twelve-month net income is $65M as of 2025. Earnings grew +17.2% year-over-year. Southern Missouri Bancorp, Inc. has been profitable for 31 consecutive years.
Is SMBC profitable?
Yes, SMBC is profitable with a TTM net income of $65M and a net profit margin of +19.1%. Southern Missouri Bancorp, Inc. has generated profits for 31 consecutive years.
What is SMBC's earnings growth rate?
SMBC compound annual EPS growth rates (CAGR): 1-Year: +17.2%, 3-Year: -0.2%, 5-Year: +11.6%, 10-Year: +11.2%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1995 to 2025.
What are SMBC's profit margins?
Southern Missouri Bancorp, Inc. net profit margin is +19.1%, operating margin is +24.2%, and gross margin is +57.7%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +11.3%.
Is SMBC growing earnings?
Yes, SMBC earnings are accelerating — EPS growth of +17.2% exceeds the 5-year CAGR of +11.6%. TTM net income reached $65M. Earnings momentum is strengthening.
What was SMBC's best earnings year?
Southern Missouri Bancorp, Inc.'s highest annual net income on record is $58M, achieved in fiscal year 2025. Earnings history on this page spans 1995 to 2025 and includes all annual and quarterly figures.
What were SMBC's earnings last quarter?
SMBC's most recent reported quarter was Q2 2026. Net income was $18M with diluted EPS of $1.62. For a full breakdown of all quarters, see the quarterly earnings table on this page.