Southern Missouri Bancorp Q2 net income $14.7M (+20.2%), EPS $1.30, NIM 3.36%

SOUTHERN MISSOURI BANCORP, INC.

2025-Q2 EPS reported $2.40 vs consensus $1.29 ▲ beat (+86.7%)

Net income $14.7M, up $2.5M (+20.2%) YoY; diluted EPS $1.30 vs $1.07 prior year.
Net interest margin 3.36% vs 3.25% a year ago; net interest income up 10.6% to $38.1M.
Loan balances grew 7.9% YoY to $4.0B; deposits up 5.6% YoY to $4.2B with seasonal inflows.
Tangible book value per share $38.91, up 12.3% YoY; efficiency ratio improved to 55.3% from 58.5%.
Quarterly dividend of $0.23 per share declared, payable Feb 28, 2025 to record Feb 14, 2025.

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