Filing Flows › Southern Missouri Bancorp (SMBC) › Q1 FY27
Southern Missouri Bancorp (SMBC) Q1 FY27 earnings results (first quarter fiscal 2027)
10-Q filed Nov 6, 2026
Southern Missouri Bancorp (SMBC) reported revenue of $53.1M for the first quarter fiscal 2027 (Q1 FY27), +8% from a year earlier and +3% from the quarter before. Operating margin was 44.4%, net earnings $19.1M (36.0% of revenue).
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 follows the revenue to costs, profit and cash.
| Q1 FY27 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $53.1M | +3% | +8% |
| Operating profit | $23.6M | +2% | +21% |
| Net earnings | $19.1M | -6% | +22% |
| Operating cash flow | $20.8M | +49% | +28% |
| Free cash flow | $19.6M | +57% | +27% |
What changed
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.
Questions
What was Southern Missouri Bancorp's revenue in the first quarter fiscal 2027?
Southern Missouri Bancorp (SMBC) reported revenue of $53.1M for the first quarter fiscal 2027 (Q1 FY27), +8% from a year earlier and +3% from the quarter before.
Was Southern Missouri Bancorp profitable in the first quarter fiscal 2027?
Operating profit was $23.6M (44.4% of revenue) and net earnings $19.1M.