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Southern Missouri Bancorp, Inc. SMBC Q3 2025 earnings

Reported April 21, 2025 · Before market open

Revenue$46.1MMiss by $373.7K
EPS$1.39Beat by $0.10
Revenue estimate$46.5M
EPS estimate$1.29

Next report

Oct 28, 2026 (in a month)
Revenue estimate$52.6M
EPS estimate$1.67

Financials

Q3 2025

Income statement

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Revenue$46.1M+15.1%
Net income$15.7M+38.7%
EPS (diluted)$1.39+40.4%

Balance sheet

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Cash & equivalents$226.9M+34.8%
Total debt$6.9M—
Total equity$528.8M+10.3%
Total assets$5.0B+7.1%

Cash flow

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Operating cash flow$24.1M+0.9%
CapEx$1.4M-68.2%
Free cash flow$22.7M+16.1%

Valuation & ratios

Valuation

as of 03/31/25
See full
Market cap$586.64M+18.8%
Enterprise value$366.6M—
P/E10.4×+1.0×
P/S3.3×+0.3×

Profitability

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Net margin31.7%+0.3pp
FCF margin35.3%-6.0pp

Returns & leverage

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Return on equity11.2%-0.2pp
Debt / equity0×—

FAQ

When did Southern Missouri Bancorp, Inc. report Q3 2025 earnings?
Southern Missouri Bancorp, Inc. (SMBC) reported Q3 2025 earnings on April 21, 2025 before market open.
What were Southern Missouri Bancorp, Inc.'s Q3 2025 revenue and EPS?
Southern Missouri Bancorp, Inc. reported revenue of $46.1M and eps of $1.39 for Q3 2025.
Did Southern Missouri Bancorp, Inc. beat estimates in Q3 2025?
Revenue missed the consensus estimate of $46.5M by $373.7K. EPS beat the consensus estimate of $1.29 by $0.10.
How did Southern Missouri Bancorp, Inc.'s Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 15.0% from $40.1M a year earlier and eps grew 40.4% from $0.99.
Where can I find Southern Missouri Bancorp, Inc.'s Q3 2025 SEC filings?
You can read the 8-K earnings release (0001558370-25-005092) and the 10-Q periodic report (0001558370-25-007367) directly on SEC EDGAR. The filing index links above go to sec.gov.