Southern Missouri Bancorp Q1 fiscal 2025 net income falls 5.3% YoY; EPS $1.10

SOUTHERN MISSOURI BANCORP, INC.

2025-Q1 EPS reported $1.10

Net income $12.5M ($1.10 diluted EPS), down 5.3% YoY; adjusted EPS $1.16 excluding $0.06 one-time cost.
Net interest margin 3.37%, down 7 bps YoY but up 12 bps from linked quarter; NII up $1.3M.
Provision for credit losses $2.2M, up $1.3M from both prior year and linked quarter.
Nonperforming loans $8.2M (0.21% of loans) vs $6.7M (0.17%) at June 30.
Quarterly dividend $0.23/share declared, payable Nov 29 to holders of record Nov 15.

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