Southern Missouri Bancorp, Inc. (SMBC) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 |
|---|
| Net Interest Income | 43.16M | 42.87M | 42.42M | 40.33M | 39.48M | 38.14M | 36.66M | 35.09M | 34.51M | 34.49M | 35.39M | 36.22M | 33.77M | 28.25M | 28.51M | 27.76M | 25.11M | 25.06M | 25.64M | 23.95M |
| NII Growth % | 9.31% | 12.39% | 15.7% | 14.93% | 14.4% | 10.6% | 3.58% | -3.1% | 2.2% | 22.07% | 24.15% | 30.48% | 34.45% | 12.74% | 11.19% | 15.92% | 8.49% | 6.51% | 16.2% | 9.94% |
| Net Interest Margin % | 0.84% | 0.84% | 0.84% | 0.8% | 0.79% | 0.78% | 0.78% | 0.76% | 0.74% | 0.74% | 0.79% | 0.83% | 0.79% | 0.82% | 0.83% | 0.86% | 0.77% | 0.86% | 0.94% | 0.89% |
| Interest Income | 70.96M | 72.23M | 73.03M | 70.64M | 69.92M | 69.42M | 67.38M | 64.67M | 64.03M | 61.58M | 58.11M | 54.28M | 48.29M | 38.85M | 35M | 31.57M | 28.34M | 28.1M | 28.86M | 27.53M |
| Interest Expense | 27.8M | 29.36M | 30.61M | 30.3M | 30.45M | 31.28M | 30.72M | 29.57M | 29.52M | 27.09M | 22.71M | 18.06M | 14.52M | 10.6M | 6.49M | 3.81M | 3.23M | 3.04M | 3.22M | 3.59M |
| Loan Loss Provision | 2.08M | 0 | 4.5M | 2.5M | 932K | 932K | 2.16M | 900K | 900K | 900K | 900K | 796K | 10.07M | 1.14M | 5.06M | 240K | 1.55M | 0 | -305K | -2.62M |
| Non-Interest Income | 6.98M | 6.78M | 6.57M | 7.28M | 6.63M | 6.87M | 7.17M | 7.77M | 5.58M | 5.64M | 5.85M | 8.95M | 6.28M | 5.46M | 5.51M | 6.5M | 4.9M | 5.29M | 4.51M | 4.86M |
| Non-Interest Income % | 8.96% | 8.58% | 8.26% | 9.34% | 8.66% | 9% | 9.62% | 10.72% | 8.02% | 8.39% | 9.15% | 14.16% | 11.52% | 12.31% | 13.61% | 17.07% | 14.75% | 15.83% | 13.53% | 15% |
| Total Revenue | 77.94M | 79.01M | 79.6M | 77.92M | 76.55M | 76.29M | 74.55M | 72.44M | 69.61M | 67.22M | 63.96M | 63.23M | 54.57M | 44.31M | 40.51M | 38.07M | 33.24M | 33.38M | 33.38M | 32.39M |
| Revenue Growth % | 1.81% | 3.56% | 6.78% | 7.57% | 9.98% | 13.5% | 16.56% | 14.55% | 27.56% | 51.71% | 57.88% | 66.08% | 64.15% | 32.73% | 21.38% | 17.55% | 5.12% | -0.63% | 4.58% | 2.31% |
| Non-Interest Expense | 26.11M | 25.27M | 25.05M | 25.97M | 25.39M | 24.88M | 25.84M | 25M | 25.05M | 23.86M | 23.71M | 24.88M | 26.99M | 17.64M | 16.92M | 17.33M | 16.76M | 15.07M | 14.22M | 14.2M |
| Efficiency Ratio | 33.51% | 31.98% | 31.47% | 33.34% | 33.17% | 32.61% | 34.66% | 34.52% | 35.99% | 35.5% | 37.07% | 39.34% | 49.46% | 39.81% | 41.77% | 45.52% | 50.41% | 45.15% | 42.62% | 43.84% |
| Operating Income | 21.94M | 24.38M | 19.44M | 19.14M | 19.82M | 19.2M | 15.84M | 16.96M | 14.14M | 15.37M | 16.64M | 19.5M | 2.99M | 14.93M | 12.05M | 16.69M | 11.71M | 15.27M | 16.23M | 17.22M |
| Operating Margin % | 28.15% | 30.85% | 24.42% | 24.56% | 25.89% | 25.17% | 21.24% | 23.42% | 20.32% | 22.86% | 26.01% | 30.84% | 5.47% | 33.7% | 29.74% | 43.83% | 35.22% | 45.75% | 48.64% | 53.16% |
| Operating Income Growth % | 10.7% | 26.96% | 22.77% | 12.83% | 40.14% | 24.95% | -4.83% | -13.02% | 373.52% | 2.91% | 38.12% | 16.84% | -74.49% | -2.24% | -25.8% | -3.07% | -19.55% | 0.47% | 27.5% | 96.51% |
| Pretax Income | 21.94M | 22.7M | 19.44M | 19.14M | 19.82M | 19.2M | 15.84M | 16.96M | 14.14M | 15.37M | 16.64M | 19.5M | 2.99M | 14.93M | 12.05M | 16.69M | 11.71M | 15.27M | 16.23M | 17.22M |
| Pretax Margin % | 28.15% | 28.73% | 24.42% | 24.56% | 25.89% | 25.17% | 21.24% | 23.42% | 20.32% | 22.86% | 26.01% | 30.84% | 5.47% | 33.7% | 29.74% | 43.83% | 35.22% | 45.75% | 48.64% | 53.16% |
| Income Tax | 4.18M | 4.55M | 3.79M | 3.35M | 4.14M | 4.55M | 3.38M | 3.43M | 2.84M | 3.17M | 3.49M | 3.94M | 578K | 3.27M | 2.44M | 3.6M | 2.36M | 3.29M | 3.49M | 3.53M |
| Effective Tax Rate % | 19.05% | 20.03% | 19.5% | 17.51% | 20.88% | 23.68% | 21.33% | 20.23% | 20.06% | 20.65% | 20.96% | 20.2% | 19.35% | 21.88% | 20.28% | 21.58% | 20.14% | 21.53% | 21.49% | 20.5% |
| Net Income | 17.76M | 18.15M | 15.65M | 15.79M | 15.61M | 14.65M | 12.46M | 13.53M | 11.31M | 12.19M | 13.15M | 15.56M | 2.41M | 11.66M | 9.6M | 13.09M | 9.35M | 11.98M | 12.75M | 13.69M |
| Net Margin % | 22.79% | 22.97% | 19.66% | 20.26% | 20.39% | 19.21% | 16.71% | 18.68% | 16.24% | 18.14% | 20.56% | 24.61% | 4.41% | 26.33% | 23.7% | 34.37% | 28.13% | 35.9% | 38.19% | 42.26% |
| Net Income Growth % | 13.77% | 23.87% | 25.62% | 16.67% | 38.07% | 20.18% | -5.27% | -13.05% | 369.36% | 4.54% | 36.95% | 18.9% | -74.24% | -2.68% | -24.66% | -4.4% | -18.39% | -0.52% | 27.64% | 98.36% |
| Net Income (Continuing) | 17.76M | 18.15M | 15.65M | 15.79M | 15.68M | 14.65M | 12.46M | 13.53M | 11.31M | 12.19M | 13.15M | 15.56M | 2.41M | 11.66M | 9.6M | 13.09M | 9.35M | 11.98M | 12.75M | 13.69M |
| EPS (Diluted) | 1.60 | 1.62 | 1.38 | 1.39 | 1.39 | 1.30 | 1.10 | 1.19 | 0.99 | 1.07 | 1.16 | 1.37 | 0.22 | 1.26 | 1.04 | 1.41 | 1.03 | 1.35 | 1.43 | 1.53 |
| EPS Growth % | 15.11% | 24.62% | 25.45% | 16.81% | 40.4% | 21.5% | -5.17% | -13.14% | 350% | -15.08% | 11.54% | -2.84% | -78.64% | -6.67% | -27.27% | -7.84% | -18.9% | 2.27% | 31.19% | 101.32% |
| EPS (Basic) | 1.60 | 1.62 | 1.39 | 1.40 | 1.39 | 1.30 | 1.10 | 1.19 | 1.00 | 1.08 | 1.16 | 1.37 | 0.22 | 1.26 | 1.04 | 1.41 | 1.03 | 1.35 | 1.43 | 1.53 |
| Diluted Shares Outstanding | 11.07M | 11.18M | 11.27M | 11.27M | 11.26M | 11.26M | 11.24M | 11.28M | 11.31M | 11.3M | 11.3M | 11.29M | 10.86M | 9.21M | 9.21M | 9.25M | 9.04M | 8.87M | 8.88M | 8.9M |