earnings
confidence high
sentiment neutral
materiality 0.75
SMBC Q3 FY2025 EPS $1.39, up 40.4% YoY; NPLs rise to $22M from $6.7M
SOUTHERN MISSOURI BANCORP, INC.
2025-Q3 EPS
reported $3.79
vs consensus $1.41
▲ beat
(+168.7%)
- Net income $15.7M, EPS $1.39 diluted, up 40.4% YoY and 6.9% linked quarter.
- Net interest margin 3.39% vs 3.15% YoY; net interest income up 14.4%.
- Nonperforming loans rose to $22M (0.55% of loans) from $6.7M (0.17%) at June 30, 2024.
- Charge-offs $1.1M quarterly, largely from agricultural fraud; ACL at 1.37% of loans.
- Dividend $0.23 per share declared, unchanged; payable May 30, 2025.