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Southern Missouri Bancorp (SMBC) Financials

Southern Missouri Bancorp logo
$55.97 -0.28 (-0.50%)
Closing price 09/19/2025 04:00 PM Eastern
Extended Trading
$55.98 +0.01 (+0.02%)
As of 09/19/2025 04:20 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
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Annual Income Statements for Southern Missouri Bancorp

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

Quarterly Income Statements for Southern Missouri Bancorp

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

Annual Cash Flow Statements for Southern Missouri Bancorp

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

Quarterly Cash Flow Statements for Southern Missouri Bancorp

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

Annual Balance Sheets for Southern Missouri Bancorp

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

Quarterly Balance Sheets for Southern Missouri Bancorp

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

Annual Metrics And Ratios for Southern Missouri Bancorp

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%

Quarterly Metrics And Ratios for Southern Missouri Bancorp

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%

Financials Breakdown Chart

Key Financial Trends

Southern Missouri Bancorp (NASDAQ:SMBC) has demonstrated consistent growth in key financial metrics over the past four years through Q2 2025. Here are the most notable trends and insights from the income statements, cash flow statements, and balance sheets:

  • Net Interest Income Growth: Net interest income increased from approximately $28.3 million in Q2 2023 to $38.1 million in Q2 2025, signaling improved core banking profitability driven largely by increases in loans and leases interest income and investment securities interest income.
  • Increasing Total Revenue: Total revenue rose from around $33.7 million in Q2 2023 to $45.0 million in Q2 2025, reflecting both interest and non-interest income growth, which indicates a more diversified revenue base.
  • Improved Net Income: Net income attributable to common shareholders grew from $11.7 million in Q2 2023 to $14.7 million in Q2 2025, showing strengthening profitability.
  • Stable Earnings Per Share (EPS): Diluted EPS increased from $1.03 in Q2 2023 to $1.30 in Q2 2025, supported by stable share count and earnings growth, highlighting shareholder value enhancement.
  • Increase in Deposits: Non-interest bearing deposits rose significantly from about $3.0 billion in Q2 2023 to over $4.2 billion in Q2 2025, strengthening the company's funding base and liquidity position.
  • Growth in Total Assets: Total assets expanded from approximately $3.45 billion in Q2 2023 to nearly $4.91 billion in Q2 2025, indicating balance sheet growth from lending and investment activities.
  • Loans Held For Sale: Southern Missouri Bancorp's loans held for sale balance increased steadily to nearly $4.0 billion by Q2 2025, signaling a possible focus on loan origination for resale rather than holding loans on balance sheet, which could influence interest income and risk.
  • Provision for Credit Losses: Provisions fluctuated over the period but remained relatively moderate, around $0.9 million in recent quarters, highlighting manageable credit risk.
  • Rising Operating Expenses: Total non-interest expenses increased modestly from $17.6 million in Q2 2023 to $24.9 million in Q2 2025; costs linked to salaries, employee benefits, and occupancy have contributed, which could pressure margins if not managed carefully.
  • Volatility in Investment Activities: The company has shown large fluctuations in cash flows from investing activities, including significant purchasing and sales of investment securities, with Q4 2024 showing an outflow of approximately $455.9 million in purchases. This could indicate volatility in investment strategy or funding requirements impacting liquidity.

Summary: Southern Missouri Bancorp has exhibited solid growth in revenue, net interest income, assets, and deposits over the last four years. Earnings and EPS improvements with stable share counts support a positive outlook. However, increasing operating expenses and volatile investment cash flows warrant monitoring as they could impact profitability and liquidity. The increasing loans held for sale suggests a strategic focus on loan sales.

09/20/25 08:56 PM ETAI Generated. May Contain Errors.

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. View Southern Missouri Bancorp's forecast to see where analysts expect Southern Missouri Bancorp to go next.

How has Southern Missouri Bancorp's 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 9/20/2025 by MarketBeat.com Staff
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