Southern Missouri Bancorp, Inc. (SMBC) Earnings History
Steady Earner32 years of earnings data (1995–2026) · Positive but moderate multi-year EPS trajectory
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Southern Missouri Bancorp, Inc. (SMBC) Earnings Overview
As of November 8, 2026, Southern Missouri Bancorp, Inc. (SMBC) reported trailing twelve-month net income of $75M, reflecting +24.1% year-over-year growth. The company earned $6.84 per diluted share over the past four quarters, with a net profit margin of 35.8%.
Looking at the long-term picture, SMBC's 5-year EPS compound annual growth rate (CAGR) stands at +4.3%, reflecting modest earnings expansion. The company achieved its highest annual net income of $72M in fiscal 2026, representing a new all-time high.
Southern Missouri Bancorp, Inc. maintains industry-leading profitability with a gross margin of 94.3%, operating margin of 43.5%, and net margin of 35.8%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including FFIN ($291M net income, 40.6% margin), IBCP ($72M net income, 30.4% margin), NBTB ($218M net income, 25.7% 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 (1995–2026)
32 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2026 | $72M | +23.2% | $87M | $6.43 | 35.8% | 43.5% |
| 2025 | $58M | +16.2% | $74M | $5.18 | 32.0% | 40.5% |
| 2024 | $50M | +27.9% | $63M | $4.42 | 30.5% | 38.4% |
| 2023 | $39M | -16.8% | $49M | $3.85 | 25.7% | 32.3% |
| 2022 | $47M | -0.0% | $60M | $5.21 | 37.8% | 48.0% |
| 2021 | $47M | +71.3% | $60M | $5.22 | 41.9% | 53.0% |
| 2020 | $28M | -4.7% | $34M | $2.99 | 29.0% | 36.3% |
| 2019 | $29M | +38.1% | $36M | $3.14 | 33.7% | 41.9% |
| 2018 | $21M | +34.6% | $29M | $2.39 | 28.0% | 38.4% |
| 2017 | $16M | +4.7% | $22M | $2.08 | 25.5% | 35.4% |
| 2016 | $15M | +8.6% | $22M | $1.98 | 26.6% | 38.6% |
| 2015 | $14M | +35.6% | $20M | $1.79 | 25.2% | 36.4% |
| 2014 | $10M | +0.1% | $14M | $1.46 | 26.5% | 36.4% |
| 2013 | $10M | -0.3% | $14M | $1.44 | 30.8% | 42.9% |
| 2012 | $10M | -12.0% | $15M | $1.66 | 31.1% | 45.2% |
| 2011 | $11M | +148.0% | $17M | $2.56 | 42.8% | 64.9% |
| 2010 | $5M | +20.6% | $6M | $0.98 | 23.8% | 31.6% |
| 2009 | $4M | +6.1% | $6M | $0.84 | 23.1% | 33.4% |
| 2008 | $4M | +23.4% | $5M | $0.82 | 25.5% | 38.0% |
| 2007 | $3M | +5.2% | $4M | $0.65 | 24.1% | 33.6% |
| 2006 | $3M | +2570.4% | $4M | $0.62 | 23.7% | 35.4% |
| 2005 | $104,259 | -96.4% | $22,359 | $0.03 | 0.9% | 0.2% |
| 2004 | $3M | +5.3% | $4M | $0.62 | 26.1% | 39.1% |
| 2003 | $3M | +18.6% | $4M | $0.57 | 25.6% | 39.3% |
| 2002 | $2M | +49.1% | $4M | $0.48 | 23.7% | 36.0% |
| 2001 | $2M | +17.3% | $2M | $0.31 | 19.1% | 29.4% |
| 2000 | $1M | -17.5% | $2M | $0.26 | 22.1% | 33.6% |
| 1999 | $2M | +45.5% | $3M | $0.30 | 24.6% | 38.5% |
| 1998 | $1M | +0.0% | $2M | $0.17 | 18.3% | 26.7% |
| 1997 | $1M | -26.7% | $2M | $0.17 | 19.3% | 26.3% |
| 1996 | $2M | +25.0% | $2M | $0.23 | 28.3% | 41.5% |
| 1995 | $1M | - | $2M | $0.19 | 24.0% | 34.0% |
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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 $6.84, reflecting +24.1% year-over-year growth. The 5-year EPS CAGR is +4.3%. Complete EPS history from 1995 to 2026 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 $75M as of 2026. Earnings grew +24.1% year-over-year. Southern Missouri Bancorp, Inc. has been profitable for 32 consecutive years.
Is SMBC profitable?
Yes, SMBC is profitable with a TTM net income of $75M and a net profit margin of +35.8%. Southern Missouri Bancorp, Inc. has generated profits for 32 consecutive years.
What is SMBC's earnings growth rate?
SMBC compound annual EPS growth rates (CAGR): 1-Year: +24.1%, 3-Year: +18.6%, 5-Year: +4.3%, 10-Year: +12.5%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1995 to 2026.
What are SMBC's profit margins?
Southern Missouri Bancorp, Inc. net profit margin is +35.8%, operating margin is +43.5%, and gross margin is +94.3%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +12.7%.
Is SMBC growing earnings?
Yes, SMBC earnings are accelerating — EPS growth of +24.1% exceeds the 5-year CAGR of +4.3%. TTM net income reached $75M. Earnings momentum is strengthening.
What was SMBC's best earnings year?
Southern Missouri Bancorp, Inc.'s highest annual net income on record is $72M, achieved in fiscal year 2026. Earnings history on this page spans 1995 to 2026 and includes all annual and quarterly figures.
What were SMBC's earnings last quarter?
SMBC's most recent reported quarter was Q1 2027. Net income was $19M with diluted EPS of $1.73. For a full breakdown of all quarters, see the quarterly earnings table on this page.