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Mar 31, 2024

Southern Missouri Bancorp Q3 2024 Earnings Report

Net income and EPS increased significantly due to decrease in PCL and non-interest expense, and an increase in net interest income, partially offset by a decrease in non-interest income and an increase in provision for income taxes.

Key Takeaways

Southern Missouri Bancorp reported a preliminary net income of $11.3 million for Q3 2024, a significant increase of $8.9 million or 369% compared to the same period last year. EPS was $0.99, up $0.77 from Q3 2023.

Earnings per common share (diluted) were $0.99, up $0.77, or 350%, as compared to the same quarter a year ago.

Annualized return on average assets (“ROA”) was 0.97%, while annualized return on average common equity (“ROE”) was 9.5%, as compared to 0.23% and 2.3%, respectively, in the same quarter a year ago.

Net interest margin for the quarter was 3.15%, as compared to 3.48% reported for the year ago period.

Noninterest expense was down 7.2% for the current quarter, as compared to the same quarter a year ago, primarily as a result of the one-time merger expenses associated with the January 2023 merger with Citizens.

Total Revenue
$40.1M
Previous year: $40.1M
+0.1%
EPS
$0.99
Previous year: $0.95
+4.2%
Net Interest Margin
3.15%
Previous year: 3.48%
-9.5%
Efficiency Ratio
61.2%
Previous year: 67.4%
-9.2%
Return on Avg. Assets
0.97%
Previous year: 0.23%
+321.7%
Cash and Equivalents
$169M
Previous year: $116M
+45.7%
Free Cash Flow
$19.6M
Previous year: $8.16M
+139.8%
Total Assets
$4.65B
Previous year: $4.29B
+8.3%

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.