Southern Missouri Bancorp (SMBC) Operating Margin (2020 - 2026)

Southern Missouri Bancorp has reported Operating Margin for 7 years, with the latest figure at 9.17% in Q1 2026.

• For the quarter ending Q1 2026, Operating Margin rose 15.0% year-over-year to 9.17%; the trailing twelve-month figure through Mar 2026 stood at 8.89% (up 41.0% YoY), and the FY2025 full-year result was 8.51%, up 44.0% from the prior year.
• Operating Margin for Q1 2026 stood at 9.17%, down from 9.6% in the prior quarter.
• The five-year high for Operating Margin was 10.23% in Q2 2022, with the low at 1.57% in Q1 2023.
• Historically, Operating Margin has averaged 8.18% across 5 years, with a median of 8.44% in 2025.
• Annual changes were most pronounced in 2023 — Operating Margin tumbled 663 bps — and 2024, when it soared 584 bps.
• Southern Missouri Bancorp's Operating Margin stood at 9.3% in 2022, then decreased by 14 bps to 8.04% in 2023, then advanced by 11 bps to 8.96% in 2024, then rose by 7 bps to 9.6% in 2025, then fell by 4 bps to 9.17% in 2026.
• The last three Operating Margin figures came in at 9.17% (Q1 2026), 9.6% (Q4 2025), and 8.33% (Q3 2025), per Business Quant data.