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Southern Missouri Bancorp, Inc. SMBC Q4 2025 Annual earnings

Reported September 11, 2025

Revenue$77.9M
EPS$1.40

Next report

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

Financials

Q4 2025

Income statement

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Revenue$47.6M+11.1%
Net income$15.8M+16.7%
EPS (diluted)$1.39+16.8%

Balance sheet

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Cash & equivalents$192.9M+217%
Total debt$7.0M—
Total equity$544.7M+11.4%
Total assets$5.0B+9.0%

Cash flow

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Operating cash flow$27.3M+79.5%
CapEx$1.5M-23.2%
Free cash flow$25.8M+94.4%

Valuation & ratios

Valuation

as of 06/30/25
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Market cap$604.1M+18.8%
Enterprise value$418.23M—
P/E10.3×+0.2×
P/S3.3×+0.2×

Profitability

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Net margin32.1%+1.5pp
FCF margin41.2%+4.0pp

Returns & leverage

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Return on equity11.3%+0.6pp
Debt / equity0×—

FAQ

When did Southern Missouri Bancorp, Inc. report Q4 2025 earnings?
Southern Missouri Bancorp, Inc. (SMBC) reported Q4 2025 earnings on September 11, 2025.
What were Southern Missouri Bancorp, Inc.'s Q4 2025 revenue and EPS?
Southern Missouri Bancorp, Inc. reported revenue of $77.9M and eps of $1.40 for Q4 2025.
How did Southern Missouri Bancorp, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 7.6% from $72.4M a year earlier and eps grew 16.7% from $1.20.
Where can I find Southern Missouri Bancorp, Inc.'s Q4 2025 SEC filings?
You can read the 10-K periodic report (0001558370-25-012001) directly on SEC EDGAR. The filing index links above go to sec.gov.