Filing Flows › Southern Missouri Bancorp (SMBC) › Q1 FY27 › vs Q1 FY26
Southern Missouri Bancorp (SMBC) Q1 FY27 vs Q1 FY26 (year over year)
Southern Missouri Bancorp's revenue rose $4.1M (+8%) from $49.0M in Q1 FY26 to $53.1M in Q1 FY27. The biggest changes: Net interest income +$3.5M (+8%); Noninterest income +$573K (+9%). Operating margin 44.4% against 39.7% (+4.7 pts).
Southern Missouri Bancorp, Q1 FY27: revenue $53.1M (+8% year over year), operating margin 44.4%, net earnings $19.1M, operating cash flow $20.8M. The chart draws each line against Q1 FY26, the increases inside each band.
Margins
| Q1 FY27 | Q1 FY26 | Change | |
|---|---|---|---|
| Operating margin | 44.4% | 39.7% | +4.7 pts |
| Net margin | 36.0% | 31.9% | +4.0 pts |
| Free cash flow margin | 36.9% | 31.4% | +5.5 pts |
Every line
| Line | Q1 FY27 | Q1 FY26 | Change | % |
|---|---|---|---|---|
| Net interest income | $45.9M | $42.4M | $3.5M | +8% |
| Noninterest income | $7.1M | $6.6M | $573K | +9% |
| Revenue | $53.1M | $49.0M | $4.1M | +8% |
| Operating profit | $23.6M | $19.4M | $4.1M | +21% |
| Costs & expenses | $29.5M | $29.6M | −$29K | -0.1% |
| Pre-tax earnings | $23.6M | $19.4M | $4.1M | +21% |
| Credit loss provision | $3.0M | $4.5M | −$1.5M | -34% |
| Noninterest expense | $26.6M | $25.1M | $1.5M | +6% |
| Net earnings | $19.1M | $15.7M | $3.4M | +22% |
| Income tax | $4.5M | $3.8M | $678K | +18% |
| Working capital & other | $1.7M | $650K | $1.1M | +166% |
| Operating cash flow | $20.8M | $16.3M | $4.5M | +28% |
| Free cash flow (OCF − capex) | $19.6M | $15.4M | $4.2M | +27% |
| Capital expenditures | $1.2M | $901K | $310K | +34% |
Questions
How much did Southern Missouri Bancorp's revenue grow year over year in Q1 FY27?
Southern Missouri Bancorp's revenue rose $4.1M (+8%) from $49.0M in Q1 FY26 to $53.1M in Q1 FY27.
What drove Southern Missouri Bancorp's revenue change in Q1 FY27?
Net interest income +$3.5M (+8%); Noninterest income +$573K (+9%).