Southern Missouri Bancorp (SMBC) Financials

$52.54 -0.47 (-0.89%)

Closing price 05/23/2025 04:00 PM Eastern

Extended Trading

$52.46 -0.08 (-0.15%)

As of 05/23/2025 04:04 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	2024	2023	2022
Period end date	6/30/2024	6/30/2023	6/30/2022
Net Income / (Loss) Attributable to Common Shareholders	50	39	47
Consolidated Net Income / (Loss)	50	39	47
Net Income / (Loss) Continuing Operations	50	39	47
Total Pre-Tax Income	63	49	60
Total Revenue	164	153	125
Net Interest Income / (Expense)	139	127	104
Total Interest Income	248	176	117
Loans and Leases Interest Income	223	162	111
Investment Securities Interest Income	22	12	4.94
Other Interest Income	4.36	1.90	0.44
Total Interest Expense	109	50	13
Deposits Interest Expense	102	44	12
Long-Term Debt Interest Expense	6.74	5.07	1.48
Federal Funds Purchased and Securities Sold Interest Expense	0.00	0.21	0.00
Total Non-Interest Income	25	26	21
Trust Fees by Commissions	1.22	1.23	0.61
Other Service Charges	19	20	16
Net Realized & Unrealized Capital Gains on Investments	-0.78	0.88	1.60
Investment Banking Income	3.17	2.18	1.81
Other Non-Interest Income	1.91	1.52	1.17
Provision for Credit Losses	3.60	17	1.49
Total Non-Interest Expense	98	86	63
Salaries and Employee Benefits	53	47	36
Net Occupancy & Equipment Expense	23	19	15
Marketing Expense	2.12	1.77	1.50
Property & Liability Insurance Claims	2.46	1.47	0.74
Other Operating Expenses	12	15	8.84
Amortization Expense	4.07	2.63	1.44
Income Tax Expense	13	10	13
Basic Earnings per Share	$4.42	$3.86	$5.22
Weighted Average Basic Shares Outstanding	11.28M	11.34M	9.23M
Diluted Earnings per Share	$4.42	$3.85	$5.21
Weighted Average Diluted Shares Outstanding	11.28M	11.34M	9.23M
Weighted Average Basic & Diluted Shares Outstanding	11.28M	11.34M	9.23M
Cash Dividends to Common per Share	$0.84	$0.84	$0.80

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

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

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

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	2024	2023	2022
Period end date	6/30/2024	6/30/2023	6/30/2022
Total Assets	4,604	4,360	3,215
Cash and Due from Banks	61	54	87
Interest Bearing Deposits at Other Banks	0.49	1.24	4.77
Trading Account Securities	428	418	235
Loans and Leases, Net of Allowance	0.00	0.00	0.00
Loans Held for Sale	3,797	3,571	2,686
Premises and Equipment, Net	96	92	71
Goodwill	51	51	27
Intangible Assets	27	30	8.18
Other Assets	145	143	95
Total Liabilities & Shareholders' Equity	4,604	4,360	3,215
Total Liabilities	4,116	3,914	2,894
Non-Interest Bearing Deposits	3,943	3,726	2,815
Short-Term Debt	9.40	-	-
Accrued Interest Payable	13	4.72	0.80
Long-Term Debt	125	157	61
Other Long-Term Liabilities	25	27	17
Commitments & Contingencies	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	489	446	321
Total Preferred & Common Equity	489	446	321
Total Common Equity	489	446	321
Common Stock	220	218	119
Retained Earnings	311	271	240
Treasury Stock	-25	-21	-21
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	Q2 2025	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023
Period end date	12/31/2024	9/30/2024	3/31/2024	12/31/2023	9/30/2023	3/31/2023	12/31/2022	9/30/2022
Total Assets	4,908	4,729	4,647	4,644	4,470	4,293	3,451	3,445
Cash and Due from Banks	146	75	168	216	88	115	53	48
Interest Bearing Deposits at Other Banks	0.24	0.24	0.49	0.74	0.99	1.25	2.01	2.02
Trading Account Securities	468	420	434	417	405	430	231	235
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	3,972	3,912	3,720	3,682	3,651	3,435	2,958	2,939
Premises and Equipment, Net	96	96	96	95	95	92	67	71
Goodwill	51	51	51	51	51	51	27	27
Intangible Assets	25	26	27	28	29	31	7.34	7.79
Other Assets	149	149	151	154	150	138	104	115
Total Liabilities & Shareholders' Equity	4,908	4,729	4,647	4,644	4,470	4,293	3,451	3,445
Total Liabilities	4,395	4,224	4,167	4,173	4,016	3,856	3,114	3,118
Non-Interest Bearing Deposits	4,211	4,040	3,996	3,995	3,841	3,755	3,006	2,851
Short-Term Debt	15	15	-	-	-	-	-	-
Accrued Interest Payable	11	12	12	11	7.10	3.72	2.14	1.17
Long-Term Debt	130	130	125	136	137	68	85	248
Other Long-Term Liabilities	29	27	35	32	31	29	21	18
Commitments & Contingencies	0.00	0.00	-	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	512	506	480	470	454	437	337	326
Total Preferred & Common Equity	512	506	480	470	454	437	337	326
Total Common Equity	512	506	480	470	454	437	337	326
Common Stock	0.12	220	220	219	219	218	119	119
Retained Earnings	333	321	300	291	281	258	258	248
Treasury Stock	-25	-25	-21	-21	-21	-21	-21	-21
Accumulated Other Comprehensive Income / (Loss)	204	-11	-19	-19	-25	-18	-19	-20

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

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

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

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

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 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 5/24/2025 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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