Quick answer: latest quarter results, by ticker or company name

Reported Q: Q3 2025 Rev YoY: +10.0% EPS YoY: +39.0% Move: -0.75%

Southern Missouri Bancorp

SMBC

$64.81 -0.75%

Exchange NASDAQ Sector Financial Services Industry Banks Regional

Q3 2025

Published: Mar 31, 2025

Company Status Snapshot

Fast view of the latest quarter outcome for SMBC

Reported

Report Date

Mar 31, 2025

Quarter Q3 2025

Revenue

76.55M

YoY: +10.0%

EPS

1.39

YoY: +39.0%

Market Move

-0.75%

Previous quarter: Q2 2025

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Earnings Highlights

Revenue of $76.55M up 10% year-over-year
EPS of $1.39 increased by 39% from previous year
Net income of 15.61M
"Looking at this quarter's net interest margin of 3.39% it included about 13 basis points of fair value discount accretion on acquired loan portfolios and premium amortization on assumed deposits. During the current quarter, we realized $756,000 in interest income mostly related to the purchase accounting mark on an individual paid off loan from a past acquisition. This accounted for about 6 basis points in this quarter's net interest margin. Adjusting for the day count and the material accretion from the identified loan, we view our run rate net interest margin for the quarter to be about 3.40%." - Stefan Chkautovich

SMBC

Company SMBC

Period Q3 2025

Currency USD

Report Type Quarterly Earnings

Generated Feb 10, 2026

Executive Summary

Southern Missouri Bancorp (SMBC) delivered a solid Q3 2025 performance characterized by expanding net interest income (NII) and a higher net interest margin (NIM) driven by a larger earning asset base, lower funding costs, and fair value accretion. Reported diluted earnings per share (EPS) were $1.39, up 0.09 QoQ and 0.40 YoY, with a NIM of 3.39% for the quarter, aided by fair value accretion and a lower cost of funds. NII rose 3.5% QoQ and 14.4% YoY as earning assets grew. The quarter also featured meaningful balance-sheet strength, including a 7% YoY increase in deposits and a 14% YoY rise in tangible book value per share to $40.37, underscoring capital durability amid a challenging rate environment.

Key Performance Indicators

Revenue

Increasing

76.55M

QoQ: 10.27% | YoY: 9.98%

Operating Income

Increasing

19.82M

QoQ: -71.00% | YoY: 24.67%

Net Income

Increasing

15.61M

QoQ: 6.54% | YoY: 38.07%

EPS

Increasing

1.39

QoQ: 6.92% | YoY: 39.00%

Revenue Trend

Margin Analysis

Financial Highlights

Revenue: $76.56 million in Q3 2025; Net income: $15.61 million; EPS (diluted): $1.39; NII growth: +3.5% QoQ, +14.4% YoY; NIM: 3.39% (core ~3.26% ex-fair value accretion); Operating income: $19.82 million; ACL: $54.9 million (1.37% of gross loans); NPLs: $22.0 million (0.55% of gross loans); Adversely classified loans: $49.0 million (1.2% of total loans); Delinquent loans (30–89 days): $15.0 million; Delinquent total: $24.0 million; Loan growth (YTD): +4.5%; Total assets: $4.98 billion; Tier 1 capital and tangible book per share: tangible BV per share $40.37; Cash at end of period: $226.9 million; Free cash flow: $22.7 million; Dividend yield: ~0.44%. Valuation indicators (from peer context): P/E ~9.4x; P/S ~7.6x; Deposit-driven liquidity supports a favorable funding profile and potential buyback depending on stock price.

Income Statement

Metric	Value	YoY Change	QoQ Change
Revenue	76.55M	9.98%	10.27%
Operating Income	19.82M	24.67%	-71.00%
Net Income	15.61M	38.07%	6.54%
EPS	1.39	39.00%	6.92%

Key Financial Ratios

Operating Profit Margin

Excellent

25.90%

Operating margin is exceptional, indicating strong pricing power and operational efficiency

Net Profit Margin

Excellent

20.40%

Net profit margin is exceptional, indicating strong pricing power and operational efficiency

P/E Ratio

Value

9.36x

P/E ratio suggests potential undervaluation or stable earnings

Historical Earnings Comparison

Period	Revenue ($M)	EPS ($)	YoY Growth	Report
Q3 2025	76.55	1.39	+10.0%	View
Q2 2025	69.42	1.30	+3.3%	View
Q1 2025	43.84	1.10	+6.3%	View
Q4 2024	72.44	1.19	+63.2%	View
Q3 2024	69.61	0.99	+73.8%	View

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Company Status Snapshot

Earnings Highlights

Executive Summary

Key Performance Indicators

Revenue Trend

Margin Analysis

Financial Highlights

Income Statement

Key Financial Ratios

Management Insights Available for Members

Peer Comparison Available for Members

Investment Outlook & SWOT Available for Members

Historical Earnings Comparison

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