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How Southern Missouri Bancorp (SMBC) makes money
Southern Missouri Bancorp (SMBC) made $53.1M of revenue in the first quarter fiscal 2027 (Q1 FY27), +8% from a year earlier. Net interest income brought in $45.9M (87%); Noninterest income brought in $7.1M (13%). Of every dollar of revenue, 44¢ was left as operating profit, 36¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q1 FY27
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $45.9M | 86.5% | +3% | +8% |
| Noninterest income | $7.1M | 13.5% | -3% | +9% |
Where each dollar of revenue goes
| Line | Q1 FY27 | % of revenue |
|---|---|---|
| Revenue | $53.1M | 100.0% |
| Operating profit | $23.6M | 44.4% |
| Income tax | $4.5M | 8.4% |
| Net earnings | $19.1M | 36.0% |
| Operating cash flow | $20.8M | 39.2% |
| Free cash flow | $19.6M | 36.9% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q1 FY27 | $53.1M | +8% |
From Southern Missouri Bancorp's 10-Q filed Nov 6, 2026 (on EDGAR).
Questions
How does Southern Missouri Bancorp make money?
Southern Missouri Bancorp (SMBC) made $53.1M of revenue in the first quarter fiscal 2027 (Q1 FY27), +8% from a year earlier. Net interest income brought in $45.9M (87%); Noninterest income brought in $7.1M (13%). Of every dollar of revenue, 44¢ was left as operating profit, 36¢ was left as net earnings.
What is Southern Missouri Bancorp's biggest business?
Net interest income: $45.9M in the first quarter fiscal 2027, 87% of revenue, +8% from a year earlier.
What is Southern Missouri Bancorp's profit margin?
Net earnings were $19.1M, 36.0% of revenue, in the first quarter fiscal 2027; the operating margin was 44.4%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.