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Southern Missouri Bancorp SMBC Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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Commerce BancsharesCBSH
$306.35M+11.6%
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U.S. BancorpUSB
$3.82B+7.7%
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$1.21B+6.7%
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Great Southern BancorpGSBC
$49.49M-3.1%
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Independent Bank CorporationIBCP
$45.19M+4.8%
BSR
Sierra BancorpBSRR
$28.22M-4.2%

Other financials

Income statement

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Revenue$51.8M+8.7%
Net income$20.3M+28.5%
EPS (diluted)$1.83+31.7%

Balance sheet

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Cash & equivalents$91.0M-52.8%
Total debt$6.8M-0.4%
Total equity$590.7M+8.4%
Total assets$5.2B+4.3%

Cash flow

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Operating cash flow$29.0M+20.3%
CapEx$456.0K-66.8%
Free cash flow$28.5M+25.6%

Valuation

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Market cap$849.51M+42.8%
P/E11.8×+1.7×
P/S4.2×+1.0×

Profitability

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Net margin35.8%+3.7pp
FCF margin45.8%+10.5pp

Returns & leverage

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Return on equity12.7%+1.3pp
Debt / equity0×0.0×

Where this comes from

Reported directly by Southern Missouri Bancorp in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

The source filing: Southern Missouri Bancorp’s 10-Q, filed May 8, 2026.

Filed
May 8, 2026, 5:18 PM EDT
Fiscal quarter
Q3 FY2026
Calendar quarter
Q1 2026
Accession
0001104659-26-058037
(dollars in thousands except per share data)Three months ended / March 31, 2026Three months ended / March 31, 2025Nine months ended / March 31, 2026Nine months ended / March 31, 2025
Total interest expense27,80430,44687,77892,444
Net Interest Income43,15539,479128,443114,284
Provision for Credit Losses2,0809328,2604,023
Net Interest Income After Provision for Credit Losses41,07538,547120,183110,261
Noninterest Income
Deposit account charges and related fees2,3312,0487,1256,469
Bank card interchange income1,5921,3414,7364,142
Loan servicing fees245224759741

Cover / Front Matter

FAQ

What is Southern Missouri Bancorp's net interest income (after provisions)?
Southern Missouri Bancorp (SMBC) reported net interest income (after provisions) of $41.08M in Q1 2026.
How has Southern Missouri Bancorp's net interest income (after provisions) changed year-over-year?
Southern Missouri Bancorp's net interest income (after provisions) increased by 6.6% year-over-year, from $38.55M to $41.08M.
What is the long-term trend for Southern Missouri Bancorp's net interest income (after provisions)?
Over 3 years (2022 to 2025), Southern Missouri Bancorp's net interest income (after provisions) has grown at a 13.2% compound annual growth rate (CAGR), from $102.08M to $148.09M.
What does net interest income (after provisions) mean?
Calculated as net interest income minus the provision for loan and lease losses. This metric provides a clearer view of the bank's profitability after accounting for the expected credit risk inherent in the loan portfolio.

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