Southern Missouri Bancorp (SMBC) Net Margin (2010 - 2026)
Southern Missouri Bancorp's (SMBC) quarterly Net Margin came in at 43.04% in Q1 2026, up 921.0% YoY from 4.22% in Q1 2025, and down 5.22% on a QoQ basis from 45.41% in Q4 2025.
Southern Missouri Bancorp (SMBC) Net Margin (2010 - 2026) Analysis & Trends
Southern Missouri Bancorp (SMBC) has 17 years of Net Margin data on file, last reported at 43.04% in Q1 2026.
- Quarterly Net Margin rose 921.0% year-over-year to 43.04% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 39.81% (up 742.0% YoY) and the FY2025 annual result came in at 31.94%, down 208.0% from the prior year.
- Net Margin fell to 43.04% in Q1 2026, from 45.41% in the prior quarter.
- In the past five years, Net Margin ranged from a high of 45.41% in Q4 2025 to a low of 5.97% in Q1 2023.
- A 5-year average of 32.37% and a median of 33.01% in 2025 frame the typical range for Net Margin.
- Annual changes were most pronounced in 2023 — Net Margin slumped 2504 bps — and 2024, when it jumped 2209 bps.
- Tracing SMBC's Net Margin over 5 years: stood at 34.45% in 2022, then fell by 12 bps to 30.25% in 2023, then climbed by 20 bps to 36.28% in 2024, then climbed by 25 bps to 45.41% in 2025, then declined by 5 bps to 43.04% in 2026.
- The last three Net Margin figures came in at 43.04% (Q1 2026), 45.41% (Q4 2025), and 37.18% (Q3 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 119.58 Bn | 83.39 Bn | - | - |
| 2 | Pnc Financial Services | 97.75 Bn | 97.75 Bn | - | 28.41% |
| 3 | Us Bancorp | 96.33 Bn | 96.33 Bn | - | 27.30% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 73.86 Bn | -145.23 Bn | - | 38.78% |
| 6 | Deutsche Bank Aktiengesellschaft | 71.72 Bn | -81.60 Bn | - | 25.60% |
| 7 | Nu Holdings | 68.51 Bn | 54.82 Bn | 2.35 Bn | 25.60% |
| 8 | Truist Financial | 61.69 Bn | 61.69 Bn | - | 28.85% |
| 9 | Fifth Third Bancorp | 49.73 Bn | 26.00 Bn | - | 23.30% |
| 10 | Southern Missouri Bancorp | 817.25 Mn | 629.07 Mn | - | 34.10% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 43.04% |
| Dec 31, 2025 | 45.41% |
| Sep 30, 2025 | 37.18% |
| Jun 30, 2025 | 33.01% |
| Mar 31, 2025 | 33.83% |
| Dec 31, 2024 | 36.28% |
| Sep 30, 2024 | 28.28% |
| Jun 30, 2024 | 31.41% |
| Mar 31, 2024 | 28.06% |
| Dec 31, 2023 | 30.25% |
| Sep 30, 2023 | 31.75% |
| Jun 30, 2023 | 34.29% |
| Mar 31, 2023 | 5.97% |
| Dec 31, 2022 | 34.45% |
| Sep 30, 2022 | 28.10% |
| Jun 30, 2022 | 38.04% |
| Mar 31, 2022 | 31.01% |
| Dec 31, 2021 | 39.32% |
| Sep 30, 2021 | 42.12% |
| Jun 30, 2021 | 47.36% |