SMBC

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Southern Missouri Bancorp, Inc.

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Key Metrics

Previous Close: $71.36
52-Week Range: $47.60 – $79.86
Market Cap: $799.45M
P/E (TTM): 11.29
EPS (TTM): 6.43
Dividend Yield: 1.41%

Advanced Metrics

Price/Book: 1.35
PEG Ratio: 1.07
Return on Equity: 12.65%
Return on Assets: 1.40%
Gross Margin: 0.00%
Operating Margin: 49.93%
Profit Margin: 37.97%
Current Ratio: —
Debt/Equity: —
Total Debt: $173.22M
Free Cash Flow: —
Revenue Growth: 7.70%
Earnings Growth: 32.50%
Enterprise Value: $881.39M

SMBC Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025	FY2026
Revenue	$124.77M	$152.95M	$164.33M	$182.60M	$200.65M
Selling, General & Admin	$37.85M	$50.14M	$57.84M	$60.16M	$59.38M
Pretax Income	$59.90M	$49.46M	$63.11M	$73.99M	$87.10M
Income Tax	$12.73M	$10.23M	$12.93M	$15.42M	$15.27M
Net Income	$47.17M	$39.24M	$50.18M	$58.58M	$71.84M
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	FY2026
Cash & Equivalents	$91.56M	$55.22M	$61.40M	$193.10M	$90.97M
Receivables	$11.05M	$18.87M	$23.83M	$26.02M	$26.87M
Total Assets	$3.21B	$4.36B	$4.60B	$5.02B	$5.24B
Long-Term Debt	$61.01M	$156.62M	$125.21M	$127.26M	$146.19M
Total Debt	$61.01M	$156.62M	$125.21M	$127.26M	$146.19M
Total Liabilities	$2.89B	$3.91B	$4.12B	$4.47B	$4.65B
Retained Earnings	$240.12M	$270.72M	$311.38M	$359.58M	$420.28M
Shareholders' Equity	$320.77M	$446.06M	$488.75M	$544.69M	$590.68M
Net Debt	—	$101.40M	$63.81M	—	$55.22M

SMBC Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025	FY2026
Operating Cash Flow	$67.34M	$62.02M	$70.27M	$81.56M	$80.52M
Capital Expenditure	-$4.62M	-$6.04M	-$9.05M	-$6.26M	-$3.96M
Free Cash Flow	$62.73M	$55.98M	$61.22M	$75.29M	$76.56M
Depreciation & Amortisation	$5.92M	$7.56M	$10.09M	$10.02M	$9.59M
Stock-Based Compensation	$697.00K	$839.00K	$1.03M	$1.67M	$1.79M
Investing Cash Flow	-$303.93M	-$213.41M	-$245.74M	-$285.11M	-$303.57M
Financing Cash Flow	$199.80M	$118.55M	$182.39M	$335.51M	$121.15M
Dividends Paid	-$7.19M	-$8.63M	-$9.53M	-$10.38M	-$11.13M
Share Repurchases	-$5.84M	$0.00	-$3.86M	$0.00	-$18.58M
Net Change in Cash	-$36.78M	-$32.83M	$6.92M	$131.96M	-$101.89M

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	$51.76M
Selling, General & Admin	$15.01M	$14.30M	$14.79M	$15.10M	$15.19M
Pretax Income	$19.14M	$19.44M	$22.70M	$21.94M	$23.03M
Income Tax	$3.35M	$3.79M	$4.55M	$4.18M	$2.75M
Net Income	$15.79M	$15.65M	$18.15M	$17.76M	$20.28M
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	$193.10M	$124.36M	$134.31M	$93.29M	$90.97M
Receivables	$26.02M	$30.59M	$32.60M	$28.09M	$26.87M
Total Assets	$5.02B	$5.04B	$5.09B	$5.14B	$5.24B
Long-Term Debt	$127.26M	$125.25M	$125.28M	$128.28M	$146.19M
Total Debt	$127.26M	$125.25M	$125.28M	$128.28M	$146.19M
Total Liabilities	$4.47B	$4.48B	$4.53B	$4.57B	$4.65B
Retained Earnings	$359.58M	$372.41M	$387.77M	$402.75M	$420.28M
Shareholders' Equity	$544.69M	$560.22M	$567.36M	$573.51M	$590.68M
Net Debt	—	$892.00K	—	$34.99M	$55.22M

SMBC Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$27.32M	$16.30M	$21.25M	$29.00M	$13.97M
Capital Expenditure	-$1.48M	-$901.00K	-$1.10M	-$456.00K	-$1.50M
Free Cash Flow	$25.85M	$15.40M	$20.15M	$28.54M	$12.47M
Depreciation & Amortisation	$2.47M	$2.50M	$2.45M	$2.33M	$2.30M
Stock-Based Compensation	$97.00K	$136.00K	$106.00K	$1.06M	$484.00K
Investing Cash Flow	-$78.75M	-$83.91M	-$28.30M	-$93.37M	-$97.99M
Financing Cash Flow	$17.39M	-$1.14M	$17.00M	$23.35M	$81.95M
Dividends Paid	-$2.60M	-$2.82M	-$2.79M	-$2.78M	-$2.75M
Share Repurchases	$0.00	-$446.00K	-$8.06M	-$9.78M	-$292.00K
Net Change in Cash	-$34.03M	-$68.75M	$9.95M	-$41.02M	-$2.07M

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.