Southern Missouri Bancorp | 10-Q: FY2026 Q1 Revenue: USD 79.6 M

Revenue: As of FY2026 Q1, the actual value is USD 79.6 M.

EPS: As of FY2026 Q1, the actual value is USD 1.38, beating the estimate of USD 1.3067.

EBIT: As of FY2026 Q1, the actual value is USD -22.98 M.

Interest Income: Total interest income for the three-month period ended September 30, 2025, was $73,030,000, compared to $67,378,000 for the same period in 2024.

Net Income: Net income for the three-month period ended September 30, 2025, was $15,650,000, an increase from $12,458,000 in the same period of the prior year.
Net Interest Income: Net interest income for the three-month period ended September 30, 2025, was $42,418,000, an increase of $5,757,000, or 15.7%, compared to the same period in 2024.
Provision for Credit Losses: The provision for credit losses was $4,500,000 for the three-month period ended September 30, 2025, compared to $2,159,000 for the same period in 2024.
Noninterest Income: Noninterest income for the three-month period ended September 30, 2025, was $6,573,000, a decrease from $7,174,000 in the same period of the prior year.
Noninterest Expense: Noninterest expense for the three-month period ended September 30, 2025, was $25,051,000, a decrease from $25,841,000 in the same period of the prior year.

Net Cash Provided by Operating Activities: For the three-month period ended September 30, 2025, net cash provided by operating activities was $16,300,000, compared to $9,992,000 for the same period in 2024.
Net Cash Used in Investing Activities: Net cash used in investing activities was $83,906,000 for the three-month period ended September 30, 2025, compared to $100,626,000 for the same period in 2024.
Net Cash (Used in) Provided by Financing Activities: Net cash used in financing activities was $1,142,000 for the three-month period ended September 30, 2025, compared to net cash provided by financing activities of $105,077,000 for the same period in 2024.

Loans Receivable, Net: Loans receivable, net of allowance for credit losses, were $4,139,662,000 at September 30, 2025, compared to $4,048,961,000 at June 30, 2025.
Deposits: Total deposits were $4,280,490,000 at September 30, 2025, compared to $4,281,368,000 at June 30, 2025.

Core Business Focus: The company plans to continue growing its assets through the origination and occasional purchase of loans, and purchases of investment securities. The primary funding for this asset growth is expected to come through deposits from retail and commercial clients, as well as public units.
Non-Core Business: The company will continue to explore strategic expansion opportunities in market areas that are attractive to its business model.