SMBC

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Southern Missouri Bancorp, Inc.

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Key Metrics

Previous Close: $74.01
52-Week Range: $47.60 – $79.86
Market Cap: $815.48M
P/E (TTM): 11.52
EPS (TTM): 6.43
Dividend Yield: 1.38%

Advanced Metrics

Price/Book: 1.42
PEG Ratio: 1.07
Return on Equity: 12.22%
Return on Assets: 1.33%
Gross Margin: 0.00%
Operating Margin: 49.93%
Profit Margin: 36.26%
Current Ratio: —
Debt/Equity: —
Total Debt: $166.19M
Free Cash Flow: —
Revenue Growth: 7.70%
Earnings Growth: 31.70%
Enterprise Value: $891.04M

SMBC Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$124.77M	$152.95M	$164.33M	$182.60M
Selling, General & Admin	$37.85M	$50.14M	$57.84M	$60.16M
Pretax Income	$59.90M	$49.46M	$63.11M	$73.99M
Income Tax	$12.73M	$10.23M	$12.93M	$15.42M
Net Income	$47.17M	$39.24M	$50.18M	$58.58M
Diluted EPS	5.22	3.85	4.41	—
Diluted Shares	9.01M	11.33M	11.30M	11.25M

SMBC Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$91.56M	$55.22M	$61.40M	$193.10M
Receivables	$11.05M	$18.87M	$23.83M	$26.02M
Total Assets	$3.21B	$4.36B	$4.60B	$5.02B
Long-Term Debt	$61.01M	$156.62M	$125.21M	$127.26M
Total Debt	$61.01M	$156.62M	$125.21M	$127.26M
Total Liabilities	$2.89B	$3.91B	$4.12B	$4.47B
Retained Earnings	$240.12M	$270.72M	$311.38M	$359.58M
Shareholders' Equity	$320.77M	$446.06M	$488.75M	$544.69M
Net Debt	—	$101.40M	$63.81M	—

SMBC Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$67.34M	$62.02M	$70.27M	$81.56M
Capital Expenditure	-$4.62M	-$6.04M	-$9.05M	-$6.26M
Free Cash Flow	$62.73M	$55.98M	$61.22M	$75.29M
Depreciation & Amortisation	$5.92M	$7.56M	$10.09M	$10.02M
Stock-Based Compensation	$697.00K	$839.00K	$1.03M	$1.67M
Investing Cash Flow	-$303.93M	-$213.41M	-$245.74M	-$285.11M
Financing Cash Flow	$199.80M	$118.55M	$182.39M	$335.51M
Dividends Paid	-$7.19M	-$8.63M	-$9.53M	-$10.38M
Share Repurchases	-$5.84M	$0.00	-$3.86M	$0.00
Net Change in Cash	-$36.78M	-$32.83M	$6.92M	$131.96M

SMBC Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$47.61M	$48.99M	$49.65M	$50.24M	—
Selling, General & Admin	$15.01M	$14.30M	$14.79M	$15.10M	—
Pretax Income	$19.14M	$19.44M	$22.70M	$21.94M	—
Income Tax	$3.35M	$3.79M	$4.55M	$4.18M	—
Net Income	$15.79M	$15.65M	$18.15M	$17.76M	—
Diluted EPS	1.39	1.38	1.62	1.60	1.83
Diluted Shares	11.25M	11.27M	11.18M	11.07M	11.01M

SMBC Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$227.14M	$193.10M	$124.36M	$134.31M	$93.29M
Receivables	$25.78M	$26.02M	$30.59M	$32.60M	$28.09M
Total Assets	$4.98B	$5.02B	$5.04B	$5.09B	$5.14B
Long-Term Debt	$127.27M	$127.26M	$125.25M	$125.28M	$128.28M
Total Debt	$127.27M	$127.26M	$125.25M	$125.28M	$128.28M
Total Liabilities	$4.45B	$4.47B	$4.48B	$4.53B	$4.57B
Retained Earnings	$346.38M	$359.58M	$372.41M	$387.77M	$402.75M
Shareholders' Equity	$528.79M	$544.69M	$560.22M	$567.36M	$573.51M
Net Debt	—	—	$892.00K	—	$34.99M

SMBC Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$24.10M	$27.32M	$16.30M	$21.25M	$29.00M
Capital Expenditure	-$1.37M	-$1.48M	-$901.00K	-$1.10M	-$456.00K
Free Cash Flow	$22.73M	$25.85M	$15.40M	$20.15M	$28.54M
Depreciation & Amortisation	$2.53M	$2.47M	$2.50M	$2.45M	$2.33M
Stock-Based Compensation	$892.00K	$97.00K	$136.00K	$106.00K	$1.06M
Investing Cash Flow	$11.79M	-$78.75M	-$83.91M	-$28.30M	-$93.37M
Financing Cash Flow	$45.16M	$17.39M	-$1.14M	$17.00M	$23.35M
Dividends Paid	-$2.59M	-$2.60M	-$2.82M	-$2.79M	-$2.78M
Share Repurchases	$0.00	$0.00	-$446.00K	-$8.06M	-$9.78M
Net Change in Cash	$81.06M	-$34.03M	-$68.75M	$9.95M	-$41.02M

Market Snapshot

About

Southern Missouri Bancorp, Inc. is the holding company for Southern Bank, a community bank serving southern Missouri and northern Arkansas. The bank provides traditional banking services including deposits, residential and commercial lending, and wealth management. Southern Missouri Bancorp emphasizes relationship banking and community involvement in its markets.