Southern Missouri Bancorp (SMBC) Financials

$53.14 +0.47 (+0.89%)

Closing price 05/2/2025 04:00 PM Eastern

Extended Trading

$53.00 -0.13 (-0.25%)

As of 05/2/2025 04:05 PM Eastern

Annual Income Statements for Southern Missouri Bancorp

This table shows Southern Missouri Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Period end date	6/30/2022	6/30/2023	6/30/2024
Net Income / (Loss) Attributable to Common Shareholders	47	39	50
Consolidated Net Income / (Loss)	47	39	50
Net Income / (Loss) Continuing Operations	47	39	50
Total Pre-Tax Income	60	49	63
Total Revenue	125	153	164
Net Interest Income / (Expense)	104	127	139
Total Interest Income	117	176	248
Loans and Leases Interest Income	111	162	223
Investment Securities Interest Income	4.94	12	22
Other Interest Income	0.44	1.90	4.36
Total Interest Expense	13	50	109
Deposits Interest Expense	12	44	102
Long-Term Debt Interest Expense	1.48	5.07	6.74
Federal Funds Purchased and Securities Sold Interest Expense	0.00	0.21	0.00
Total Non-Interest Income	21	26	25
Trust Fees by Commissions	0.61	1.23	1.22
Other Service Charges	16	20	19
Net Realized & Unrealized Capital Gains on Investments	1.60	0.88	-0.78
Investment Banking Income	1.81	2.18	3.17
Other Non-Interest Income	1.17	1.52	1.91
Provision for Credit Losses	1.49	17	3.60
Total Non-Interest Expense	63	86	98
Salaries and Employee Benefits	36	47	53
Net Occupancy & Equipment Expense	15	19	23
Marketing Expense	1.50	1.77	2.12
Property & Liability Insurance Claims	0.74	1.47	2.46
Other Operating Expenses	8.84	15	12
Amortization Expense	1.44	2.63	4.07
Income Tax Expense	13	10	13
Basic Earnings per Share	$5.22	$3.86	$4.42
Weighted Average Basic Shares Outstanding	9.23M	11.34M	11.28M
Diluted Earnings per Share	$5.21	$3.85	$4.42
Weighted Average Diluted Shares Outstanding	9.23M	11.34M	11.28M
Weighted Average Basic & Diluted Shares Outstanding	9.23M	11.34M	11.28M
Cash Dividends to Common per Share	$0.80	$0.84	$0.84

This table shows Southern Missouri Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025
Period end date	6/30/2022	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	13	9.60	12	2.41	16	13	12	11	14	12	15
Consolidated Net Income / (Loss)	13	9.60	12	2.41	16	13	12	11	14	12	15
Net Income / (Loss) Continuing Operations	13	9.60	12	2.41	16	13	12	11	14	12	15
Total Pre-Tax Income	17	12	15	2.99	19	17	15	14	17	16	19
Total Revenue	34	34	34	40	45	41	40	40	43	44	45
Net Interest Income / (Expense)	28	29	28	34	36	35	34	35	35	37	38
Total Interest Income	32	35	39	48	54	58	62	64	65	67	69
Loans and Leases Interest Income	30	33	37	43	49	53	55	56	58	62	63
Investment Securities Interest Income	1.49	1.66	1.79	3.73	5.12	5.08	5.26	5.49	5.68	5.55	5.56
Other Interest Income	0.20	0.16	0.07	1.44	0.23	0.05	1.18	2.59	0.54	0.08	0.78
Total Interest Expense	3.82	6.49	11	15	18	23	27	30	30	31	31
Deposits Interest Expense	3.40	5.76	8.59	14	16	20	25	28	28	29	30
Long-Term Debt Interest Expense	0.42	0.73	2.01	0.60	1.73	2.27	1.52	1.50	1.45	1.76	1.52
Federal Funds Purchased and Securities Sold Interest Expense	-	-	-	0.21	-	0.07	0.13	0.00	-	0.16	0.23
Total Non-Interest Income	6.50	5.51	5.46	6.28	8.95	5.85	5.64	5.58	7.77	7.17	6.87
Trust Fees by Commissions	-	-	0.29	0.35	-	0.26	0.31	0.31	-	0.29	0.30
Other Service Charges	3.10	4.90	4.29	4.97	6.24	4.12	4.57	4.63	4.95	5.28	5.07
Net Realized & Unrealized Capital Gains on Investments	0.66	0.29	0.13	0.13	0.32	0.21	-0.38	-0.71	0.10	0.36	0.13
Investment Banking Income	-	-	0.43	0.46	-	0.80	0.67	0.87	-	0.73	0.84
Other Non-Interest Income	0.31	0.32	0.32	0.37	0.51	0.46	0.47	0.48	0.50	0.52	0.52
Provision for Credit Losses	0.24	5.06	1.14	10	0.80	0.90	0.90	0.90	0.90	2.16	0.93
Total Non-Interest Expense	17	17	18	27	25	24	24	25	25	26	25
Salaries and Employee Benefits	9.87	9.75	9.79	14	13	13	13	14	14	14	14
Net Occupancy & Equipment Expense	4.03	3.89	3.87	5.53	5.68	5.82	5.86	5.97	5.72	5.86	5.81
Marketing Expense	0.58	0.45	0.22	0.41	0.70	0.47	0.39	0.62	0.64	0.55	0.44
Property & Liability Insurance Claims	0.21	0.22	0.26	0.23	0.76	0.55	0.60	0.68	0.64	0.47	0.59
Other Operating Expenses	2.24	2.21	3.09	5.82	3.55	3.20	3.03	3.01	3.09	3.67	3.40
Amortization Expense	0.40	0.40	0.40	0.81	1.02	1.02	1.02	1.02	1.02	0.90	0.90
Income Tax Expense	3.60	2.44	3.27	0.58	3.94	3.49	3.17	2.84	3.43	3.38	4.55
Basic Earnings per Share	$1.41	$1.04	$1.26	$0.22	$1.34	$1.16	$1.08	$1.00	$1.18	$1.10	$1.30
Weighted Average Basic Shares Outstanding	9.23M	9.23M	11.31M	11.33M	11.34M	11.34M	11.36M	11.36M	11.28M	11.28M	11.28M
Diluted Earnings per Share	$1.40	$1.04	$1.26	$0.22	$1.33	$1.16	$1.07	$0.99	$1.20	$1.10	$1.30
Weighted Average Diluted Shares Outstanding	9.23M	9.23M	11.31M	11.33M	11.34M	11.34M	11.36M	11.36M	11.28M	11.28M	11.28M
Weighted Average Basic & Diluted Shares Outstanding	9.23M	9.23M	11.31M	11.33M	11.34M	11.34M	11.36M	11.36M	11.28M	11.28M	11.28M
Cash Dividends to Common per Share	$0.20	$0.21	$0.21	$0.21	$0.21	$0.21	$0.21	$0.21	$0.21	$0.23	$0.23

This table details how cash moves in and out of Southern Missouri Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Period end date	6/30/2022	6/30/2023	6/30/2024
Net Change in Cash & Equivalents	-14	65	6.93
Net Cash From Operating Activities	67	62	70
Net Cash From Continuing Operating Activities	67	62	70
Net Income / (Loss) Continuing Operations	47	39	50
Consolidated Net Income / (Loss)	47	39	50
Provision For Loan Losses	1.49	17	3.60
Depreciation Expense	4.48	4.92	6.02
Amortization Expense	1.07	-0.33	-2.10
Non-Cash Adjustments to Reconcile Net Income	-0.41	-1.91	0.16
Changes in Operating Assets and Liabilities, net	14	3.04	12
Net Cash From Investing Activities	-304	-213	-246
Net Cash From Continuing Investing Activities	-304	-213	-246
Purchase of Property, Leasehold Improvements and Equipment	-4.62	-6.04	-9.05
Purchase of Investment Securities	-389	-595	-85
Divestitures	49	208	0.00
Sale and/or Maturity of Investments	43	178	76
Other Investing Activities, net	-1.49	1.23	-228
Net Cash From Financing Activities	200	119	182
Net Cash From Continuing Financing Activities	223	217	182
Net Change in Deposits	242	59	227
Issuance of Debt	0.00	1,914	303
Issuance of Common Equity	23	98	0.00
Repayment of Debt	-29	-1,818	-335
Repurchase of Common Equity	-5.84	0.00	-3.86
Payment of Dividends	-7.19	-8.63	-9.53
Other Financing Activities, Net	0.00	-28	0.39
Cash Interest Paid	2.06	5.65	7.71
Cash Income Taxes Paid	0.36	4.31	2.30

This table details how cash moves in and out of Southern Missouri Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025
Period end date	6/30/2022	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024
Net Change in Cash & Equivalents	-139	-39	5.42	61	38	34	128	-48	-107	14	70
Net Cash From Operating Activities	21	7.06	21	11	23	14	17	24	15	9.99	20
Net Cash From Continuing Operating Activities	21	7.06	21	11	23	14	17	24	15	9.99	20
Net Income / (Loss) Continuing Operations	13	9.60	12	2.41	16	13	12	11	14	12	15
Consolidated Net Income / (Loss)	13	9.60	12	2.41	16	13	12	11	14	12	15
Provision For Loan Losses	0.24	5.06	1.14	10	0.80	0.90	0.90	0.90	0.90	2.16	0.93
Depreciation Expense	1.17	1.15	1.10	1.18	1.49	1.44	1.49	1.53	1.57	1.61	1.61
Amortization Expense	0.22	0.19	0.22	-0.32	-0.42	-0.72	-0.55	-0.45	-0.37	-0.48	-0.45
Non-Cash Adjustments to Reconcile Net Income	0.62	-1.33	-	0.41	-0.99	-0.36	-0.27	0.84	-0.05	-0.04	0.33
Changes in Operating Assets and Liabilities, net	6.13	-7.61	7.38	-2.94	6.22	-0.20	3.19	9.77	-0.36	-5.71	3.06
Net Cash From Investing Activities	-132	-267	-5.41	199	-140	-74	-39	-59	-73	-101	-118
Net Cash From Continuing Investing Activities	-132	-267	-5.41	199	-140	-74	-39	-59	-73	-101	-118
Purchase of Property, Leasehold Improvements and Equipment	-0.25	-0.40	-1.19	-2.64	-1.81	-1.43	-1.38	-4.31	-1.92	-1.43	-1.98
Purchase of Investment Securities	-139	-10	-1.20	-128	-456	-2.12	-31	-44	-7.32	-2.79	-71
Sale and/or Maturity of Investments	7.56	-1.17	16	154	9.35	10	24	27	15	19	17
Other Investing Activities, net	-	-255	-19	-36	311	-80	-31	-38	-79	-116	-61
Net Cash From Financing Activities	-51	221	-11	-148	56	94	150	-13	-49	105	168
Net Cash From Continuing Financing Activities	-28	221	-11	-148	155	94	150	-13	-49	105	168
Net Change in Deposits	-40	36	155	-102	-30	116	154	0.62	-43	97	170
Repayment of Debt	-5.01	-356	-1,128	-89	-246	-291	-1.01	-11	-32	-255	-0.01
Payment of Dividends	-1.86	-1.94	-1.94	-2.38	-2.38	-2.38	-2.38	-2.39	-2.38	-2.59	-2.60
Cash Interest Paid	0.57	0.72	2.36	0.64	1.93	2.38	2.01	1.60	1.72	1.98	2.26
Cash Income Taxes Paid	0.10	1.13	0.54	2.40	0.25	0.54	0.49	0.85	0.42	4.02	0.02

This table presents Southern Missouri Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Period end date	6/30/2022	6/30/2023	6/30/2024
Total Assets	3,215	4,360	4,604
Cash and Due from Banks	87	54	61
Interest Bearing Deposits at Other Banks	4.77	1.24	0.49
Trading Account Securities	235	418	428
Loans and Leases, Net of Allowance	0.00	0.00	0.00
Loans Held for Sale	2,686	3,571	3,797
Premises and Equipment, Net	71	92	96
Goodwill	27	51	51
Intangible Assets	8.18	30	27
Other Assets	95	143	145
Total Liabilities & Shareholders' Equity	3,215	4,360	4,604
Total Liabilities	2,894	3,914	4,116
Non-Interest Bearing Deposits	2,815	3,726	3,943
Short-Term Debt	-	-	9.40
Accrued Interest Payable	0.80	4.72	13
Long-Term Debt	61	157	125
Other Long-Term Liabilities	17	27	25
Commitments & Contingencies	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	321	446	489
Total Preferred & Common Equity	321	446	489
Total Common Equity	321	446	489
Common Stock	119	218	220
Retained Earnings	240	271	311
Treasury Stock	-21	-21	-25
Accumulated Other Comprehensive Income / (Loss)	-17	-22	-17

This table presents Southern Missouri Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	9/30/2023	12/31/2023	3/31/2024	9/30/2024	12/31/2024
Total Assets	3,445	3,451	4,293	4,470	4,644	4,647	4,729	4,908
Cash and Due from Banks	48	53	115	88	216	168	75	146
Interest Bearing Deposits at Other Banks	2.02	2.01	1.25	0.99	0.74	0.49	0.24	0.24
Trading Account Securities	235	231	430	405	417	434	420	468
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Loans Held for Sale	2,939	2,958	3,435	3,651	3,682	3,720	3,912	3,972
Premises and Equipment, Net	71	67	92	95	95	96	96	96
Goodwill	27	27	51	51	51	51	51	51
Intangible Assets	7.79	7.34	31	29	28	27	26	25
Other Assets	115	104	138	150	154	151	149	149
Total Liabilities & Shareholders' Equity	3,445	3,451	4,293	4,470	4,644	4,647	4,729	4,908
Total Liabilities	3,118	3,114	3,856	4,016	4,173	4,167	4,224	4,395
Non-Interest Bearing Deposits	2,851	3,006	3,755	3,841	3,995	3,996	4,040	4,211
Short-Term Debt	-	-	-	-	-	-	15	15
Accrued Interest Payable	1.17	2.14	3.72	7.10	11	12	12	11
Long-Term Debt	248	85	68	137	136	125	130	130
Other Long-Term Liabilities	18	21	29	31	32	35	27	29
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	-	0.00	0.00
Total Equity & Noncontrolling Interests	326	337	437	454	470	480	506	512
Total Preferred & Common Equity	326	337	437	454	470	480	506	512
Total Common Equity	326	337	437	454	470	480	506	512
Common Stock	119	119	218	219	219	220	220	0.12
Retained Earnings	248	258	258	281	291	300	321	333
Treasury Stock	-21	-21	-21	-21	-21	-21	-25	-25
Accumulated Other Comprehensive Income / (Loss)	-20	-19	-18	-25	-19	-19	-11	204

This table displays calculated financial ratios and metrics derived from Southern Missouri Bancorp's official financial filings.

Metric	2022	2023	2024
Period end date	6/30/2022	6/30/2023	6/30/2024
Growth Metrics	-	-	-
Revenue Growth	10.68%	22.58%	7.44%
EBITDA Growth	0.30%	-17.42%	24.01%
EBIT Growth	0.33%	-17.43%	27.59%
NOPAT Growth	-0.02%	-16.82%	27.89%
Net Income Growth	-0.02%	-16.82%	27.89%
EPS Growth	-0.19%	-26.10%	14.81%
Operating Cash Flow Growth	30.10%	-7.90%	13.29%
Free Cash Flow Firm Growth	-37.45%	-941.78%	121.42%
Invested Capital Growth	7.18%	57.86%	1.87%
Revenue Q/Q Growth	4.57%	7.68%	-1.39%
EBITDA Q/Q Growth	-0.51%	4.84%	-3.47%
EBIT Q/Q Growth	-0.88%	6.03%	-3.86%
NOPAT Q/Q Growth	-1.26%	6.73%	-3.89%
Net Income Q/Q Growth	-1.26%	6.73%	-3.89%
EPS Q/Q Growth	-2.62%	-1.79%	-2.86%
Operating Cash Flow Q/Q Growth	3.55%	1.95%	-9.57%
Free Cash Flow Firm Q/Q Growth	185.19%	-136.42%	181.36%
Invested Capital Q/Q Growth	-2.39%	19.40%	1.52%
Profitability Metrics	-	-	-
EBITDA Margin	52.46%	35.34%	40.79%
EBIT Margin	48.01%	32.34%	38.41%
Profit (Net Income) Margin	37.80%	25.65%	30.54%
Tax Burden Percent	78.74%	79.33%	79.52%
Interest Burden Percent	100.00%	100.00%	100.00%
Effective Tax Rate	21.26%	20.67%	20.48%
Return on Invested Capital (ROIC)	12.78%	7.97%	8.25%
ROIC Less NNEP Spread (ROIC-NNEP)	12.78%	7.97%	8.25%
Return on Net Nonoperating Assets (RNNOA)	2.83%	2.26%	2.49%
Return on Equity (ROE)	15.61%	10.23%	10.74%
Cash Return on Invested Capital (CROIC)	5.85%	-36.90%	6.40%
Operating Return on Assets (OROA)	2.03%	1.31%	1.41%
Return on Assets (ROA)	1.59%	1.04%	1.12%
Return on Common Equity (ROCE)	15.61%	10.23%	10.74%
Return on Equity Simple (ROE_SIMPLE)	14.70%	8.80%	10.27%
Net Operating Profit after Tax (NOPAT)	47	39	50
NOPAT Margin	37.80%	25.65%	30.54%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	41.96%	44.23%	47.92%
Operating Expenses to Revenue	50.80%	56.51%	59.40%
Earnings before Interest and Taxes (EBIT)	60	49	63
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	65	54	67
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	1.26	0.95	1.04
Price to Tangible Book Value (P/TBV)	1.41	1.17	1.24
Price to Revenue (P/Rev)	3.23	2.78	3.10
Price to Earnings (P/E)	8.55	10.84	10.14
Dividend Yield	1.85%	2.24%	1.87%
Earnings Yield	11.69%	9.23%	9.86%
Enterprise Value to Invested Capital (EV/IC)	0.98	0.87	0.93
Enterprise Value to Revenue (EV/Rev)	2.99	3.44	3.48
Enterprise Value to EBITDA (EV/EBITDA)	5.70	9.74	8.54
Enterprise Value to EBIT (EV/EBIT)	6.23	10.65	9.07
Enterprise Value to NOPAT (EV/NOPAT)	7.91	13.42	11.41
Enterprise Value to Operating Cash Flow (EV/OCF)	5.54	8.49	8.15
Enterprise Value to Free Cash Flow (EV/FCFF)	17.28	0.00	14.72
Leverage & Solvency	-	-	-
Debt to Equity	0.19	0.35	0.26
Long-Term Debt to Equity	0.19	0.35	0.26
Financial Leverage	0.22	0.28	0.30
Leverage Ratio	9.79	9.88	9.59
Compound Leverage Factor	9.79	9.88	9.59
Debt to Total Capital	15.98%	25.99%	20.39%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	15.98%	25.99%	20.39%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%
Common Equity to Total Capital	84.02%	74.01%	79.61%
Debt to EBITDA	0.93	2.90	1.87
Net Debt to EBITDA	-0.47	1.88	0.95
Long-Term Debt to EBITDA	0.93	2.90	1.87
Debt to NOPAT	1.29	3.99	2.50
Net Debt to NOPAT	-0.65	2.58	1.27
Long-Term Debt to NOPAT	1.29	3.99	2.50
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	22	-182	39
Operating Cash Flow to CapEx	1,458.57%	1,027.04%	776.70%
Free Cash Flow to Firm to Interest Expense	1.62	-3.66	0.36
Operating Cash Flow to Interest Expense	5.06	1.25	0.65
Operating Cash Flow Less CapEx to Interest Expense	4.72	1.13	0.56
Efficiency Ratios	-	-	-
Asset Turnover	0.04	0.04	0.04
Fixed Asset Turnover	1.84	1.87	1.74
Capital & Investment Metrics	-	-	-
Invested Capital	382	603	614
Invested Capital Turnover	0.34	0.31	0.27
Increase / (Decrease) in Invested Capital	26	221	11
Enterprise Value (EV)	373	527	573
Market Capitalization	404	425	509
Book Value per Share	$34.46	$39.37	$43.04
Tangible Book Value per Share	$30.65	$32.20	$36.24
Total Capital	382	603	614
Total Debt	61	157	125
Total Long-Term Debt	61	157	125
Net Debt	-31	101	64
Capital Expenditures (CapEx)	4.62	6.04	9.05
Net Nonoperating Expense (NNE)	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	61	157	125
Total Depreciation and Amortization (D&A)	5.55	4.60	3.93
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	$0.00	$3.86	$4.42
Adjusted Weighted Average Basic Shares Outstanding	0.00	11.34M	11.28M
Adjusted Diluted Earnings per Share	$0.00	$3.85	$4.42
Adjusted Weighted Average Diluted Shares Outstanding	0.00	11.34M	11.28M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	11.34M	11.28M
Normalized Net Operating Profit after Tax (NOPAT)	47	39	50
Normalized NOPAT Margin	37.80%	25.65%	30.54%
Pre Tax Income Margin	48.01%	32.34%	38.41%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	4.50	1.00	0.58
NOPAT to Interest Expense	3.55	0.79	0.46
EBIT Less CapEx to Interest Expense	4.16	0.87	0.50
NOPAT Less CapEx to Interest Expense	3.20	0.67	0.38
Payout Ratios	-	-	-
Dividend Payout Ratio	15.25%	22.00%	18.98%
Augmented Payout Ratio	27.63%	22.00%	26.67%

This table displays calculated financial ratios and metrics derived from Southern Missouri Bancorp's official financial filings.

Metric	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025
Period end date	6/30/2022	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	18.93%	12.83%	11.09%	33.42%	31.86%	21.24%	19.04%	0.10%	-5.11%	6.27%	12.17%
EBITDA Growth	-1.84%	-23.82%	-2.83%	-70.58%	13.80%	29.62%	0.30%	295.61%	-11.72%	-2.27%	24.91%
EBIT Growth	-3.07%	-25.80%	-2.24%	-74.49%	16.84%	38.12%	2.91%	373.52%	-13.01%	-4.83%	24.95%
NOPAT Growth	-4.39%	-24.66%	-2.68%	-74.24%	18.90%	36.95%	4.54%	369.36%	-13.05%	-5.27%	20.18%
Net Income Growth	-4.39%	-24.66%	-2.68%	-74.24%	18.90%	36.95%	4.54%	369.36%	-13.05%	-5.27%	20.18%
EPS Growth	-9.09%	-27.27%	-6.67%	-78.64%	-5.00%	11.54%	-15.08%	350.00%	-9.77%	-5.17%	21.50%
Operating Cash Flow Growth	12.06%	-50.29%	39.96%	-33.74%	5.54%	101.20%	-21.16%	121.08%	-32.82%	-29.66%	18.81%
Free Cash Flow Firm Growth	-1,342.74%	-1,235.46%	-1,292.29%	-260.40%	-1,542.39%	98.34%	-205.68%	20.21%	101.10%	-1,259.84%	78.78%
Invested Capital Growth	7.18%	61.79%	19.28%	29.04%	57.86%	2.90%	43.84%	19.82%	1.87%	10.12%	8.46%
Revenue Q/Q Growth	14.12%	-0.68%	-0.93%	18.82%	12.78%	-8.68%	-2.72%	-0.08%	6.90%	2.27%	2.68%
EBITDA Q/Q Growth	38.19%	-25.93%	21.39%	-76.32%	434.56%	-15.64%	-6.07%	-6.61%	19.29%	-6.61%	20.06%
EBIT Q/Q Growth	42.52%	-27.82%	23.95%	-79.99%	552.80%	-14.67%	-7.65%	-7.95%	19.92%	-6.64%	21.25%
NOPAT Q/Q Growth	39.95%	-26.62%	21.46%	-79.35%	545.95%	-15.49%	-7.28%	-7.27%	19.67%	-7.93%	17.62%
Net Income Q/Q Growth	39.95%	-26.62%	21.46%	-79.35%	545.95%	-15.49%	-7.28%	-7.27%	19.67%	-7.93%	17.62%
EPS Q/Q Growth	35.92%	-25.71%	21.15%	-82.54%	504.55%	-12.78%	-7.76%	-7.48%	21.21%	-8.33%	18.18%
Operating Cash Flow Q/Q Growth	31.62%	-67.11%	204.52%	-49.73%	109.65%	-37.30%	19.32%	40.96%	-36.29%	-34.35%	101.54%
Free Cash Flow Firm Q/Q Growth	59.48%	-1,578.04%	73.08%	-96.91%	-84.67%	98.30%	-4,858.55%	48.60%	102.54%	-2,200.09%	22.63%
Invested Capital Q/Q Growth	-2.39%	50.46%	-26.62%	19.74%	19.40%	-1.93%	2.58%	-0.26%	1.52%	6.01%	1.04%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	52.77%	39.35%	48.22%	9.61%	45.54%	42.07%	40.62%	37.97%	42.37%	38.69%	45.24%
EBIT Margin	48.72%	35.41%	44.30%	7.46%	43.17%	40.34%	38.29%	35.28%	39.57%	36.12%	42.66%
Profit (Net Income) Margin	38.20%	28.23%	34.60%	6.01%	34.45%	31.88%	30.39%	28.20%	31.57%	28.42%	32.56%
Tax Burden Percent	78.42%	79.72%	78.12%	80.65%	79.80%	79.04%	79.35%	79.94%	79.77%	78.67%	76.32%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	21.58%	20.28%	21.88%	19.35%	20.20%	20.96%	20.65%	20.06%	20.23%	21.33%	23.68%
Return on Invested Capital (ROIC)	12.92%	7.81%	11.79%	1.91%	10.70%	8.76%	9.85%	8.47%	8.53%	7.64%	8.85%
ROIC Less NNEP Spread (ROIC-NNEP)	12.92%	7.81%	11.79%	1.91%	10.70%	8.76%	9.85%	8.47%	8.53%	7.64%	8.85%
Return on Net Nonoperating Assets (RNNOA)	2.86%	3.91%	2.52%	0.34%	3.04%	4.33%	2.69%	1.79%	2.57%	2.25%	2.53%
Return on Equity (ROE)	15.78%	11.72%	14.31%	2.24%	13.74%	13.09%	12.54%	10.26%	11.10%	9.89%	11.38%
Cash Return on Invested Capital (CROIC)	5.85%	-37.73%	-6.30%	-17.15%	-36.90%	4.49%	-27.53%	-8.62%	6.40%	-1.66%	0.11%
Operating Return on Assets (OROA)	2.06%	1.47%	1.84%	0.28%	1.74%	1.63%	1.58%	1.32%	1.45%	1.31%	1.53%
Return on Assets (ROA)	1.61%	1.17%	1.43%	0.23%	1.39%	1.29%	1.25%	1.05%	1.16%	1.03%	1.17%
Return on Common Equity (ROCE)	15.78%	11.72%	14.31%	2.24%	13.74%	13.09%	12.54%	10.26%	11.10%	9.89%	11.38%
Return on Equity Simple (ROE_SIMPLE)	0.00%	13.49%	12.97%	8.42%	0.00%	9.43%	9.21%	10.89%	0.00%	9.79%	10.14%
Net Operating Profit after Tax (NOPAT)	13	9.60	12	2.41	16	13	12	11	14	12	15
NOPAT Margin	38.20%	28.23%	34.60%	6.01%	34.45%	31.88%	30.39%	28.20%	31.57%	28.42%	32.56%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	42.26%	41.42%	41.18%	50.25%	43.27%	45.91%	47.88%	50.74%	47.25%	47.46%	44.41%
Operating Expenses to Revenue	50.58%	49.73%	52.33%	67.39%	55.07%	57.48%	59.46%	62.48%	58.33%	58.95%	55.27%
Earnings before Interest and Taxes (EBIT)	17	12	15	2.99	19	17	15	14	17	16	19
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	18	13	16	3.85	21	17	16	15	18	17	20
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.26	1.39	1.21	0.77	0.95	0.95	1.26	1.03	1.04	1.26	1.26
Price to Tangible Book Value (P/TBV)	1.41	1.55	1.35	0.94	1.17	1.15	1.52	1.22	1.24	1.48	1.48
Price to Revenue (P/Rev)	3.23	3.52	3.09	2.36	2.78	2.69	3.57	2.95	3.10	3.82	3.77
Price to Earnings (P/E)	8.55	10.29	9.34	9.11	10.84	10.05	13.72	9.42	10.14	12.87	12.45
Dividend Yield	1.85%	1.65%	1.85%	2.29%	2.24%	2.21%	1.60%	1.94%	1.87%	1.52%	1.53%
Earnings Yield	11.69%	9.72%	10.70%	10.98%	9.23%	9.95%	7.29%	10.62%	9.86%	7.77%	8.03%
Enterprise Value to Invested Capital (EV/IC)	0.98	1.13	1.04	0.57	0.87	0.81	0.85	0.74	0.93	1.09	0.98
Enterprise Value to Revenue (EV/Rev)	2.99	5.06	3.32	2.02	3.44	2.98	3.08	2.69	3.48	4.23	3.76
Enterprise Value to EBITDA (EV/EBITDA)	5.70	10.63	7.20	5.57	9.74	8.24	8.84	6.45	8.54	10.61	9.14
Enterprise Value to EBIT (EV/EBIT)	6.23	11.69	7.91	6.15	10.65	8.84	9.42	6.83	9.07	11.34	9.77
Enterprise Value to NOPAT (EV/NOPAT)	7.91	14.79	10.02	7.81	13.42	11.17	11.86	8.58	11.41	14.28	12.44
Enterprise Value to Operating Cash Flow (EV/OCF)	5.54	10.82	6.60	4.72	8.49	6.91	7.95	5.77	8.15	10.70	9.33
Enterprise Value to Free Cash Flow (EV/FCFF)	17.28	0.00	0.00	0.00	0.00	18.28	0.00	0.00	14.72	0.00	958.67
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.19	0.76	0.25	0.16	0.35	0.30	0.29	0.26	0.26	0.29	0.28
Long-Term Debt to Equity	0.19	0.76	0.25	0.16	0.35	0.30	0.29	0.26	0.26	0.26	0.25
Financial Leverage	0.22	0.50	0.21	0.18	0.28	0.49	0.27	0.21	0.30	0.29	0.29
Leverage Ratio	9.79	9.98	9.97	9.92	9.88	10.14	10.03	9.76	9.59	9.59	9.72
Compound Leverage Factor	9.79	9.98	9.97	9.92	9.88	10.14	10.03	9.76	9.59	9.59	9.72
Debt to Total Capital	15.98%	43.18%	20.06%	13.49%	25.99%	23.20%	22.46%	20.70%	20.39%	22.31%	22.09%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.30%	2.28%
Long-Term Debt to Total Capital	15.98%	43.18%	20.06%	13.49%	25.99%	23.20%	22.46%	20.70%	20.39%	20.01%	19.81%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	84.02%	56.82%	79.94%	86.51%	74.01%	76.80%	77.54%	79.30%	79.61%	77.69%	77.91%
Debt to EBITDA	0.93	4.05	1.39	1.32	2.90	2.36	2.34	1.80	1.87	2.18	2.05
Net Debt to EBITDA	-0.47	3.24	0.48	-0.93	1.88	0.83	-1.39	-0.63	0.95	1.05	-0.01
Long-Term Debt to EBITDA	0.93	4.05	1.39	1.32	2.90	2.36	2.34	1.80	1.87	1.95	1.84
Debt to NOPAT	1.29	5.63	1.94	1.85	3.99	3.21	3.14	2.40	2.50	2.93	2.80
Net Debt to NOPAT	-0.65	4.50	0.67	-1.30	2.58	1.12	-1.87	-0.83	1.27	1.41	-0.02
Long-Term Debt to NOPAT	1.29	5.63	1.94	1.85	3.99	3.21	3.14	2.40	2.50	2.63	2.51
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-13	-210	-56	-111	-205	-3.48	-173	-89	2.25	-47	-37
Operating Cash Flow to CapEx	8,519.05%	1,778.34%	1,814.26%	408.89%	1,249.01%	995.45%	1,224.71%	553.82%	791.94%	698.25%	1,015.02%
Free Cash Flow to Firm to Interest Expense	-3.28	-32.33	-5.33	-7.66	-11.37	-0.15	-6.37	-3.01	0.08	-1.54	-1.17
Operating Cash Flow to Interest Expense	5.63	1.09	2.03	0.74	1.25	0.63	0.63	0.81	0.51	0.33	0.64
Operating Cash Flow Less CapEx to Interest Expense	5.56	1.03	1.92	0.56	1.15	0.56	0.57	0.66	0.45	0.28	0.58
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04
Fixed Asset Turnover	1.84	1.89	1.99	1.73	1.87	1.94	2.06	1.77	1.74	1.75	1.80
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	382	574	422	505	603	591	606	605	614	651	658
Invested Capital Turnover	0.34	0.28	0.34	0.32	0.31	0.27	0.32	0.30	0.27	0.27	0.27
Increase / (Decrease) in Invested Capital	26	219	68	114	221	17	185	100	11	60	51
Enterprise Value (EV)	373	651	438	287	527	478	514	448	573	707	646
Market Capitalization	404	453	408	335	425	430	594	492	509	637	647
Book Value per Share	$34.46	$35.37	$36.51	$47.31	$39.37	$40.04	$41.48	$42.23	$43.04	$44.83	$45.43
Tangible Book Value per Share	$30.65	$31.57	$32.76	$38.45	$32.20	$32.97	$34.50	$35.36	$36.24	$38.07	$38.75
Total Capital	382	574	422	505	603	591	606	605	614	651	658
Total Debt	61	248	85	68	157	137	136	125	125	145	145
Total Long-Term Debt	61	248	85	68	157	137	136	125	125	130	130
Net Debt	-31	198	29	-48	101	48	-81	-44	64	70	-0.83
Capital Expenditures (CapEx)	0.25	0.40	1.19	2.64	1.81	1.43	1.38	4.31	1.92	1.43	1.98
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	61	248	85	68	157	137	136	125	125	145	145
Total Depreciation and Amortization (D&A)	1.39	1.34	1.32	0.86	1.07	0.72	0.93	1.08	1.20	1.12	1.16
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.41	$1.04	$1.26	$0.22	$1.34	$1.16	$1.08	$1.00	$1.18	$1.10	$1.30
Adjusted Weighted Average Basic Shares Outstanding	9.23M	9.23M	11.31M	11.33M	11.34M	11.34M	11.36M	11.36M	11.28M	11.28M	11.28M
Adjusted Diluted Earnings per Share	$1.40	$1.04	$1.26	$0.22	$1.33	$1.16	$1.07	$0.99	$1.20	$1.10	$1.30
Adjusted Weighted Average Diluted Shares Outstanding	9.23M	9.23M	11.31M	11.33M	11.34M	11.34M	11.36M	11.36M	11.28M	11.28M	11.28M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	9.23M	9.23M	11.31M	11.33M	11.34M	11.34M	11.36M	11.36M	11.28M	11.28M	11.28M
Normalized Net Operating Profit after Tax (NOPAT)	13	9.60	12	2.41	16	13	12	11	14	12	15
Normalized NOPAT Margin	38.20%	28.23%	34.60%	6.01%	34.45%	31.88%	30.39%	28.20%	31.57%	28.42%	32.56%
Pre Tax Income Margin	48.72%	35.41%	44.30%	7.46%	43.17%	40.34%	38.29%	35.28%	39.57%	36.12%	42.66%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	4.37	1.86	1.41	0.21	1.08	0.73	0.57	0.48	0.57	0.52	0.61
NOPAT to Interest Expense	3.43	1.48	1.10	0.17	0.86	0.58	0.45	0.38	0.46	0.41	0.47
EBIT Less CapEx to Interest Expense	4.31	1.80	1.30	0.02	0.98	0.67	0.52	0.33	0.51	0.47	0.55
NOPAT Less CapEx to Interest Expense	3.36	1.42	0.99	-0.02	0.76	0.52	0.40	0.24	0.39	0.36	0.41
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	15.25%	16.69%	17.19%	22.06%	22.00%	21.21%	21.97%	18.24%	18.98%	19.68%	19.16%
Augmented Payout Ratio	27.63%	16.69%	17.19%	34.74%	22.00%	21.21%	21.97%	18.60%	26.67%	19.68%	19.16%

Frequently Asked Questions About Southern Missouri Bancorp's Financials

When does Southern Missouri Bancorp's fiscal year end?

According to the most recent income statement we have on file, Southern Missouri Bancorp's financial year ends in June. Their financial year 2024 ended on June 30, 2024.

How has Southern Missouri Bancorp's net income changed over the last 2 years?

Southern Missouri Bancorp's net income appears to be on an upward trend, with a most recent value of $50.18 million in 2024, rising from $47.17 million in 2022. The previous period was $39.24 million in 2023. Find out what analysts predict for Southern Missouri Bancorp in the coming months.

How has Southern Missouri Bancorp revenue changed over the last 2 years?

Over the last 2 years, Southern Missouri Bancorp's total revenue changed from $124.77 million in 2022 to $164.33 million in 2024, a change of 31.7%.

How much debt does Southern Missouri Bancorp have?

Southern Missouri Bancorp's total liabilities were at $4.12 billion at the end of 2024, a 5.1% increase from 2023, and a 42.2% increase since 2022.

How much cash does Southern Missouri Bancorp have?

In the past 2 years, Southern Missouri Bancorp's cash and equivalents has ranged from $53.98 million in 2023 to $86.79 million in 2022, and is currently $60.90 million as of their latest financial filing in 2024.

How has Southern Missouri Bancorp's book value per share changed over the last 2 years?

Over the last 2 years, Southern Missouri Bancorp's book value per share changed from 34.46 in 2022 to 43.04 in 2024, a change of 24.9%.

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This page (NASDAQ:SMBC) was last updated on 5/4/2025 by MarketBeat.com Staff

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Southern Missouri Bancorp (SMBC) Financials

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Southern Missouri Bancorp (SMBC) Financials

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