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Southern Missouri Bancorp (SMBC) earnings and revenue breakdown
Latest: Q1 FY27 · 10-Q filed Nov 6, 2026 · Southern Missouri Bancorp (SMBC) Q1 FY27 earnings results →
Q1 FY27 Revenue up 8% year over year to $53.1M · 36¢ of every $1 of revenue kept as net profit · operating margin 44.4%
Southern Missouri Bancorp made $53.1M in Q1 FY27 (+8% Y/Y): Net interest income $45.9M, Noninterest income $7.1M. Operating margin 44.4%, net earnings $19.1M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $53.1M in Q1 FY27, up 8% year over year and up 3% from the previous quarter. Net interest income was the largest line at 87% of revenue. Net interest income added $3.5M year over year (up 8%), 86% of the total change.
Operating profit was $23.6M, a 44.4% margin (up 4.7 points year over year). Of the extra revenue versus a year earlier, 101% reached operating profit, above the 40% margin then. Total costs fell 0% while revenue rose 8%. Net earnings were $19.1M, up 22% year over year. The effective tax rate was 19.0%.
Operating cash flow was $20.8M (up 28% year over year), 109% of net earnings. Working capital and other items added $1.7M. Capital expenditures of $1.2M left free cash flow of $19.6M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q1 FY27 | 10-Q | Nov 6, 2026 | $53.1M | +8% | 44.4% | $19.1M | $20.8M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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Southern Missouri Bancorp against its Savings Institutions, Not Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +8% against the peers' median +8%. Operating margin: 44.4% against the peers' median 36.1%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| SMBC Southern Missouri Bancorp | Q1 FY27 | $53.1M | +8% | 44.4% |
| FLG Flagstar Bank, National Association | Q3 2026 | $530M | +2% | -1.9% |
| BBT Beacon Financial | Q2 2025 | $114M | +5% | 36.5% |
| HFWA Heritage Financial | Q3 2026 | $86.5M | +32% | 25.8% |
| NBBK NB Bancorp | Q3 2026 | $76.5M | +48% | 37.9% |
| TCBX Third Coast Bancshares | Q3 2026 | $65.9M | +21% | 36.1% |
| HBCP Home Bancorp | Q3 2026 | $40.1M | +6% | 31.8% |
| NARA Narragansett Bancorp | Q2 2026 | $35.3M | +6% | 11.2% |
| AVBC Avidia Bancorp | Q3 2026 | $31.2M | +11% | 37.1% |
Source: Southern Missouri Bancorp 10-Q on SEC EDGAR · CIK 916907 · Savings Institutions, Not Federally Chartered
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History
Every quarter: Q1 FY27 results