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Dec 31, 2024

Southern Missouri Bancorp Q2 2025 Earnings Report

Net income increased due to rise in net interest and noninterest income, but was partially offset by higher expenses, income taxes and credit loss provisions.

Key Takeaways

Southern Missouri Bancorp reported a net income of $14.7 million for Q2 2025, a 20.2% increase compared to the same period last year, with earnings per diluted share at $1.30, up from $1.07 year-over-year.

Earnings per common share (diluted) were $1.30, up $0.23, or 21.5%, as compared to the same quarter a year ago.

Annualized return on average assets (ROAA) was 1.21%, while annualized return on average common equity was 11.5%, as compared to 1.07% and 10.6%, respectively, in the same quarter a year ago.

Net interest margin for the quarter was 3.36%, as compared to 3.25% reported for the year ago period.

Noninterest income was up 21.7% for the quarter, as compared to the same quarter a year ago.

Total Revenue
$45M
Previous year: $40.1M
+12.2%
EPS
$1.3
Previous year: $1.07
+21.5%
Net Interest Margin
3.36%
Previous year: 3.25%
+3.4%
Efficiency Ratio
55.3%
Previous year: 58.5%
-5.5%
Return on Avg. Assets
1.21%
Previous year: 1.07%
+13.1%
Cash and Equivalents
$146M
Previous year: $217M
-32.7%
Free Cash Flow
$18.2M
Previous year: $15.6M
+16.6%
Total Assets
$4.91B
Previous year: $4.64B
+5.7%

Southern Missouri Bancorp

Southern Missouri Bancorp

Forward Guidance

The matters discussed in this press release may be deemed to be forward-looking statements that are subject to known and unknown risks, uncertainties, and other factors that could cause the actual results to differ materially from the forward-looking statements.