NASDAQ$SMBC
Southern Missouri Bancorp Inc · Q2 2025 earnings
Q2 2025 earnings · · After market close · Investor relations
Briefing
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.
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.
Headline financials
Revenue & EPS history
Southern Missouri Bancorp · Revenue · Quarterly
$45M
Revenue by segment
Southern Missouri Bancorp · $4.29M total across 6 segments · Q1 2021
- Deposit fees$1.34M-5.9%31.2%
- Loan sale gains$1.21M+341.8%28.1%
- Card interchange$830K+10.5%19.3%
- Other loan fees$327K+34.6%7.6%
- Loan servicing fees$310K+138.5%7.2%
- BOLI income$280K+10.2%6.5%
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.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q2 2025
-0.5%
Avg return
Earnings day
+0.5%
Avg return
5 days after
+2.9%
Avg return
30 days after
44%
28 / 64 earnings
Positive
+10.2%
Q1 2021
Best reaction
-14.0%
Q3 2023
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q3 2026 | -0.8% | +6.3% | +4.7% | |
| Q2 2026 | +5.3% | -2.3% | -5.5% | |
| Q1 2026 | +0.1% | -2.0% | +5.9% | |
| Q3 2025 | +0.1% | -3.3% | -4.6% | |
| Q2 2025 | +1.7% | +1.9% | -1.7% | |
| Q1 2025 | +4.3% | +2.7% | +15.7% | |
| Q4 2024 | +5.5% | -0.3% | +7.9% | |
| Q3 2024 | -2.1% | +1.1% | +0.3% | |
| Q2 2024 | -3.8% | -15.4% | -16.1% | |
| Q1 2024 | +0.9% | +2.0% | +13.0% | |
| Q4 2023 | +7.7% | +9.0% | +2.5% | |
| Q3 2023 | -14.0% | -10.7% | +2.4% | |
| Q2 2023 | +2.3% | +5.7% | -2.7% | |
| Q1 2023 | -8.1% | -5.4% | -1.7% | |
| Q4 2022 | +4.6% | +13.5% | +11.8% | |
| Q3 2022 | -4.5% | -7.6% | +0.1% | |
| Q2 2022 | +3.0% | +3.5% | -1.1% | |
| Q1 2022 | +0.4% | +12.5% | +16.0% | |
| Q4 2021 | +1.3% | +1.0% | +2.0% | |
| Q3 2021 | +0.8% | +4.2% | +9.7% | |
| Q2 2021 | -1.4% | +2.0% | +8.6% | |
| Q1 2021 | +10.2% | +4.6% | +25.7% | |
| Q4 2020 | -1.6% | +0.5% | +6.0% | |
| Q3 2020 | -1.2% | -3.2% | +1.2% | |
| Q2 2020 | +0.5% | -1.6% | -3.3% | |
| Q1 2020 | -0.2% | -0.4% | +2.7% | |
| Q4 2019 | +0.1% | +6.9% | +4.6% | |
| Q3 2019 | -1.6% | +0.6% | +0.7% | |
| Q2 2019 | +1.7% | +6.6% | +10.6% | |
| Q1 2019 | -0.9% | -5.2% | -5.4% | |
| Q4 2018 | -0.2% | -0.8% | -0.5% | |
| Q3 2018 | -6.0% | -5.8% | -4.1% | |
| Q2 2018 | -1.2% | +0.3% | -8.2% | |
| Q1 2018 | +1.5% | +6.2% | +7.5% | |
| Q4 2017 | +0.6% | +0.0% | -1.6% | |
| Q3 2017 | -1.4% | -4.0% | -10.0% | |
| Q2 2017 | +2.3% | +0.1% | +6.5% | |
| Q1 2017 | +1.3% | -0.2% | +18.6% | |
| Q4 2016 | -0.4% | -3.1% | -4.2% | |
| Q3 2016 | +1.6% | — | — | |
| Q2 2016 | -0.8% | — | — | |
| Q1 2016 | -0.6% | — | — | |
| Q4 2015 | +0.3% | — | — | |
| Q3 2015 | -1.4% | — | — | |
| Q2 2015 | -2.0% | — | — | |
| Q1 2015 | +3.1% | — | — | |
| Q4 2014 | +1.0% | — | — | |
| Q3 2014 | -1.4% | — | — | |
| Q2 2014 | +3.5% | — | — | |
| Q1 2014 | +5.3% | — | — | |
| Q4 2013 | +0.0% | — | — | |
| Q3 2013 | -5.0% | — | — | |
| Q2 2013 | -1.7% | — | — | |
| Q1 2013 | +0.0% | — | — | |
| Q4 2012 | -0.4% | — | — | |
| Q4 2010 | -0.4% | — | — | |
| Q3 2012 | -2.3% | — | — | |
| Q2 2011 | -3.3% | — | — | |
| Q2 2012 | -3.3% | — | — | |
| Q4 2011 | -6.1% | — | — | |
| Q1 2012 | -6.1% | — | — | |
| Q3 2011 | -6.1% | — | — | |
| Q1 2011 | -6.1% | — | — | |
| Q3 2010 | -4.7% | — | — |
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