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Southern Missouri Bancorp (SMBC) Financials

Southern Missouri Bancorp logo
$67.67 +0.30 (+0.44%)
As of 03:48 PM Eastern
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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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 6/30/2015 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021 6/30/2022 6/30/2023 6/30/2024 6/30/2025
Net Income / (Loss) Attributable to Common Shareholders		 13 15 17 21 29 28 47 47 39 50 59
Consolidated Net Income / (Loss)		 14 15 16 21 29 28 47 47 39 50 59
Net Income / (Loss) Continuing Operations		 27 15 17 21 29 28 47 47 39 50 59
Total Pre-Tax Income 		20 22 22 29 36 34 60 60 49 63 74
Total Revenue		 56 56 61 75 86 95 113 125 153 164 183
Net Interest Income / (Expense)		 47 47 51 62 73 80 93 104 127 139 155
Total Interest Income		 55 56 61 77 97 107 109 117 176 248 277
Loans and Leases Interest Income		 52 53 58 73 92 102 105 111 162 223 251
Investment Securities Interest Income		 3.67 3.43 3.47 3.98 5.03 4.79 4.17 4.94 12 22 22
Other Interest Income		 0.12 0.04 0.03 0.07 0.13 0.13 0.23 0.44 1.90 4.36 4.14
Total Interest Expense		 8.77 9.37 10 15 25 27 17 13 50 109 123
Deposits Interest Expense		 6.86 7.41 8.47 13 21 24 15 12 44 102 116
Long-Term Debt Interest Expense		 1.79 1.84 1.77 1.93 3.46 2.83 1.90 1.48 5.07 6.74 6.21
Federal Funds Purchased and Securities Sold Interest Expense		 0.12 0.12 0.10 0.04 0.04 - 0.00 0.00 0.21 0.45 0.77
Total Non-Interest Income		 8.66 9.76 11 12 13 15 20 21 26 25 28
Trust Fees by Commissions		 - - - - - - - 0.61 1.23 1.22 1.29
Other Service Charges		 7.43 8.18 9.11 10 11 12 14 16 20 19 21
Net Realized & Unrealized Capital Gains on Investments		 0.66 0.65 0.84 1.14 1.02 1.63 4.07 1.60 0.88 -0.78 0.80
Investment Banking Income		 - - - - - - - 1.81 2.18 3.17 3.30
Other Non-Interest Income		 0.57 0.93 1.14 0.95 1.33 1.02 1.80 1.17 1.52 1.91 2.08
Provision for Credit Losses		 3.19 2.49 2.34 3.05 2.03 6.00 -1.02 1.49 17 3.60 6.52
Total Non-Interest Expense		 32 33 38 43 48 54 54 63 86 98 102
Salaries and Employee Benefits		 18 18 19 23 26 29 31 36 47 53 56
Net Occupancy & Equipment Expense		 5.88 7.13 8.42 9.32 10 12 13 15 19 23 24
Marketing Expense		 0.90 0.93 1.10 1.20 1.16 1.23 1.08 1.50 1.77 2.12 2.07
Property & Liability Insurance Claims		 0.69 0.66 0.68 0.52 0.66 0.16 0.77 0.74 1.47 2.46 2.34
Other Operating Expenses		 5.74 5.17 7.73 7.18 7.89 8.85 7.10 8.84 15 12 14
Amortization Expense		 1.25 1.03 0.91 1.46 1.67 1.77 1.40 1.44 2.63 4.07 3.54
Income Tax Expense		 6.06 6.21 6.06 7.80 7.05 6.89 13 13 10 13 15
Basic Earnings per Share		 $1.84 $1.99 $2.08 $2.40 $3.14 $3.00 $5.22 $5.22 $3.86 $4.42 $5.19
Weighted Average Basic Shares Outstanding		 7.80M 7.43M 7.48M 9.00M 9.20M 9.13M 8.89M 9.23M 11.34M 11.28M 11.29M
Diluted Earnings per Share		 $1.79 $1.98 $2.07 $2.39 $3.14 $2.99 $5.22 $5.21 $3.85 $4.42 $5.18
Weighted Average Diluted Shares Outstanding		 7.80M 7.43M 7.48M 9.00M 9.20M 9.13M 8.89M 9.23M 11.34M 11.28M 11.29M
Weighted Average Basic & Diluted Shares Outstanding		 7.80M 7.43M 7.48M 9.00M 9.20M 9.13M 8.89M 9.23M 11.34M 11.28M 11.29M
Cash Dividends to Common per Share		 $0.34 $0.36 $0.40 $0.44 $0.52 $0.60 $0.62 $0.80 $0.84 $0.84 $0.92

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 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 13 12 11 14 12 15 16 16 16 18 18
Consolidated Net Income / (Loss)		 13 12 11 14 12 15 16 16 16 18 18
Net Income / (Loss) Continuing Operations		 13 12 11 14 12 15 16 16 16 18 18
Total Pre-Tax Income 		17 15 14 17 16 19 20 19 19 23 22
Total Revenue		 41 40 40 43 44 45 46 48 49 50 50
Net Interest Income / (Expense)		 35 34 35 35 37 38 39 40 42 43 43
Total Interest Income		 58 62 64 65 67 69 70 71 73 72 71
Loans and Leases Interest Income		 53 55 56 58 62 63 63 63 66 66 65
Investment Securities Interest Income		 5.08 5.26 5.49 5.68 5.55 5.56 5.68 5.59 5.46 5.20 4.90
Other Interest Income		 0.05 1.18 2.59 0.54 0.08 0.78 1.59 1.70 1.11 1.06 0.66
Total Interest Expense		 23 27 30 30 31 31 30 30 31 29 28
Deposits Interest Expense		 20 25 28 28 29 30 29 29 29 28 26
Long-Term Debt Interest Expense		 2.27 1.52 1.50 1.45 1.76 1.52 1.46 1.47 1.47 1.46 1.43
Federal Funds Purchased and Securities Sold Interest Expense		 0.07 0.13 0.13 - 0.16 0.23 0.19 0.19 0.20 0.20 0.20
Total Non-Interest Income		 5.85 5.64 5.58 7.77 7.17 6.87 6.67 7.28 6.57 6.78 7.09
Trust Fees by Commissions		 0.26 0.31 0.31 - 0.29 0.30 0.34 0.37 0.32 0.35 0.35
Other Service Charges		 4.12 4.57 4.63 4.95 5.28 5.07 4.75 5.41 4.68 4.78 4.89
Net Realized & Unrealized Capital Gains on Investments		 0.21 -0.38 -0.71 0.10 0.36 0.13 0.16 0.14 0.18 0.17 0.23
Investment Banking Income		 0.80 0.67 0.87 - 0.73 0.84 0.90 0.83 0.85 0.94 0.94
Other Non-Interest Income		 0.46 0.47 0.48 0.50 0.52 0.52 0.51 0.53 0.55 0.55 0.68
Provision for Credit Losses		 0.90 0.90 0.90 0.90 2.16 0.93 0.93 2.50 4.50 1.68 2.08
Total Non-Interest Expense		 24 24 25 25 26 25 25 26 25 25 26
Salaries and Employee Benefits		 13 13 14 14 14 14 14 14 13 14 14
Net Occupancy & Equipment Expense		 5.82 5.86 5.97 5.72 5.86 5.81 6.23 6.32 6.30 6.50 6.81
Marketing Expense		 0.47 0.39 0.62 0.64 0.55 0.44 0.53 0.55 0.61 0.54 0.55
Property & Liability Insurance Claims		 0.55 0.60 0.68 0.64 0.47 0.59 0.67 0.60 0.62 0.60 0.50
Other Operating Expenses		 3.20 3.03 3.01 3.09 3.67 3.40 3.30 3.80 3.59 3.17 3.60
Amortization Expense		 1.02 1.02 1.02 1.02 0.90 0.90 0.89 0.86 0.86 0.81 0.71
Income Tax Expense		 3.49 3.17 2.84 3.43 3.38 4.55 4.14 3.35 3.79 4.55 4.18
Basic Earnings per Share		 $1.16 $1.08 $1.00 $1.18 $1.10 $1.30 $1.39 $1.40 $1.39 $1.62 $1.60
Weighted Average Basic Shares Outstanding		 11.34M 11.36M 11.36M 11.28M 11.28M 11.28M 11.30M 11.29M 11.20M 11.11M 11.02M
Diluted Earnings per Share		 $1.16 $1.07 $0.99 $1.20 $1.10 $1.30 $1.39 $1.39 $1.38 $1.62 $1.60
Weighted Average Diluted Shares Outstanding		 11.34M 11.36M 11.36M 11.28M 11.28M 11.28M 11.30M 11.29M 11.20M 11.11M 11.02M
Weighted Average Basic & Diluted Shares Outstanding		 11.34M 11.36M 11.36M 11.28M 11.28M 11.28M 11.30M 11.29M 11.20M 11.11M 11.02M
Cash Dividends to Common per Share		 $0.21 $0.21 $0.21 $0.21 $0.23 $0.23 $0.23 $0.23 $0.25 $0.25 $0.25

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 6/30/2015 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021 6/30/2022 6/30/2023 6/30/2024 6/30/2025
Net Change in Cash & Equivalents		 1.84 5.78 8.23 -4.46 9.07 19 69 -14 -33 6.93 132
Net Cash From Operating Activities		 20 18 26 31 39 40 52 67 62 70 82
Net Cash From Continuing Operating Activities		 55 63 26 31 39 40 52 67 62 70 82
Net Income / (Loss) Continuing Operations		 14 15 16 21 29 28 47 47 39 50 59
Consolidated Net Income / (Loss)		 14 15 16 21 29 28 47 47 39 50 59
Provision For Loan Losses		 3.19 2.49 2.34 3.05 2.03 6.00 -1.02 1.49 17 3.60 6.52
Depreciation Expense		 1.99 2.51 2.98 3.12 3.40 3.78 4.03 4.48 4.92 6.02 6.48
Amortization Expense		 -0.38 -3.66 0.83 0.76 -0.37 1.66 1.53 1.07 -0.33 -2.10 -1.90
Non-Cash Adjustments to Reconcile Net Income		 -0.13 0.16 -0.21 -2.45 -1.81 -2.30 -4.54 -0.41 -1.91 0.16 -0.20
Changes in Operating Assets and Liabilities, net		 1.58 1.31 4.13 5.24 6.44 3.61 4.59 14 3.04 12 12
Net Cash From Investing Activities		 -26 -100 -123 -108 -113 -272 -102 -304 -213 -246 -285
Net Cash From Continuing Investing Activities		 121 167 -123 -108 -113 -272 -102 -304 -213 -246 -285
Purchase of Property, Leasehold Improvements and Equipment		 -7.48 -9.82 -3.03 -2.14 -7.70 -4.30 -2.86 -4.62 -6.04 -9.05 -6.26
Purchase of Investment Securities		 -2.55 -42 -33 -52 -34 -313 -114 -389 -148 -85 -352
Divestitures		 3.22 - - - - - 0.00 49 208 0.00 0.00
Sale and/or Maturity of Investments		 36 32 27 47 75 54 77 43 178 76 73
Other Investing Activities, net		 -55 -81 -112 -99 -138 - -63 -1.49 -446 -228 0.25
Net Cash From Financing Activities		 8.22 88 106 73 83 251 120 200 119 182 336
Net Cash From Continuing Financing Activities		 758 809 76 73 83 251 120 223 119 182 336
Net Change in Deposits		 48 66 168 56 143 244 146 242 59 227 338
Issuance of Debt		 336 746 1,366 1,519 592 641 110 0.00 1,914 303 260
Issuance of Common Equity		 - 0.00 24 - - - - 23 0.00 0.00 0.00
Repayment of Debt		 -372 0.00 -1,432 -1,491 -646 -619 -123 -29 -1,818 -335 -258
Repurchase of Common Equity		 -2.70 - 0.00 0.00 -1.17 -5.77 -8.34 -5.84 0.00 -3.86 0.00
Payment of Dividends		 -2.72 -2.81 -2.98 -3.83 -4.76 -5.51 -5.60 -7.19 -8.63 -9.53 -10
Other Financing Activities, Net		 2.10 -0.15 -17 -6.77 1.11 -4.31 0.00 0.00 -28 0.39 5.60
Cash Interest Paid		 - 3.02 3.13 3.02 4.33 3.81 2.65 2.06 5.65 7.71 8.15
Cash Income Taxes Paid		 4.43 4.70 3.13 1.59 2.86 2.44 9.24 0.36 4.31 2.30 7.53

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 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 34 128 -48 -107 14 70 81 -34 -69 9.95 -41
Net Cash From Operating Activities		 14 17 24 15 9.99 20 24 27 16 21 29
Net Cash From Continuing Operating Activities		 14 17 24 15 9.99 20 24 27 16 21 29
Net Income / (Loss) Continuing Operations		 13 12 11 14 12 15 16 16 16 18 18
Consolidated Net Income / (Loss)		 13 12 11 14 12 15 16 16 16 18 18
Provision For Loan Losses		 0.90 0.90 0.90 0.90 2.16 0.93 0.93 2.50 4.50 1.68 2.08
Depreciation Expense		 1.44 1.49 1.53 1.57 1.61 1.61 1.64 1.62 1.64 1.65 1.62
Amortization Expense		 -0.72 -0.55 -0.45 -0.37 -0.48 -0.45 -0.89 -0.07 -0.22 -0.04 0.19
Non-Cash Adjustments to Reconcile Net Income		 -0.36 -0.27 0.84 -0.05 -0.04 0.33 -0.20 -0.29 -0.24 -1.44 0.38
Changes in Operating Assets and Liabilities, net		 -0.20 3.19 9.77 -0.36 -5.71 3.06 6.93 7.78 -5.03 1.25 6.96
Net Cash From Investing Activities		 -74 -39 -59 -73 -101 -118 12 -79 -84 -28 -93
Net Cash From Continuing Investing Activities		 -74 -39 -59 -73 -101 -118 12 -79 -84 -28 -93
Purchase of Property, Leasehold Improvements and Equipment		 -1.43 -1.38 -4.31 -1.92 -1.43 -1.98 -1.37 -1.48 -0.90 -1.10 -0.46
Purchase of Investment Securities		 -2.12 -31 -44 -7.32 -3.05 -71 -7.99 -270 -7.24 -14 -16
Sale and/or Maturity of Investments		 10 24 27 15 20 17 17 20 19 21 20
Other Investing Activities, net		 -80 -31 -38 -79 -116 -61 4.36 172 -94 -35 -96
Net Cash From Financing Activities		 94 150 -13 -49 105 168 45 17 -1.14 17 23
Net Cash From Continuing Financing Activities		 94 150 -13 -49 105 168 45 17 -1.14 17 23
Net Change in Deposits		 116 154 0.62 -43 97 170 51 20 -0.86 28 33
Issuance of Debt		 271 - - 32 260 - - - 1.30 - 34
Repayment of Debt		 -291 -1.01 -11 -32 -255 -0.01 -3.01 -0.01 -3.31 -0.01 -31
Repurchase of Common Equity		 - - - -3.67 0.00 - - - -0.45 -8.06 -9.78
Payment of Dividends		 -2.38 -2.38 -2.39 -2.38 -2.59 -2.60 -2.59 -2.60 -2.82 -2.79 -2.78
Other Financing Activities, Net		 0.00 - - - 5.60 - - - 5.00 - 0.32
Cash Interest Paid		 2.38 2.01 1.60 1.72 1.98 2.26 1.74 2.17 1.75 2.12 1.71
Cash Income Taxes Paid		 0.54 0.49 0.85 0.42 4.02 0.02 0.85 2.64 6.07 1.35 0.58

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 6/30/2015 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021 6/30/2022 6/30/2023 6/30/2024 6/30/2025
Total Assets		 1,300 1,404 1,708 1,886 2,214 2,542 2,701 3,215 4,360 4,604 5,020
Cash and Due from Banks		 17 23 31 26 35 54 124 87 54 61 193
Interest Bearing Deposits at Other Banks		 - - - - 0.97 0.97 0.98 4.77 1.24 0.49 0.25
Trading Account Securities		 130 129 144 146 166 177 207 235 418 428 461
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 - - - 1,563 1,846 2,142 2,200 2,686 3,571 3,797 0.43
Premises and Equipment, Net		 40 47 54 55 63 65 64 71 92 96 96
Goodwill		 4.56 4.56 8.63 13 14 14 14 27 51 51 51
Intangible Assets		 4.20 3.30 6.76 6.92 9.24 7.70 7.13 8.18 30 27 23
Other Assets		 1,103 1,197 1,462 73 80 82 83 95 143 145 4,196
Total Liabilities & Shareholders' Equity		 1,300 1,404 1,708 1,886 2,214 2,542 2,701 3,215 4,360 4,604 5,020
Total Liabilities		 1,167 1,278 1,535 1,685 1,976 2,284 2,417 2,894 3,914 4,116 4,475
Non-Interest Bearing Deposits		 1,055 1,121 1,456 1,580 1,894 2,185 2,331 2,815 3,726 3,943 4,281
Short-Term Debt		 27 27 10 3.27 4.38 - - - - 9.40 15
Accrued Interest Payable		 0.78 0.72 0.92 1.21 2.10 1.65 0.78 0.80 4.72 13 14
Long-Term Debt		 79 125 61 95 63 85 73 61 157 125 127
Other Long-Term Liabilities		 4.62 4.48 6.42 6.45 13 12 13 17 27 25 37
Commitments & Contingencies		 - - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 133 126 173 201 238 258 283 321 446 489 545
Total Preferred & Common Equity		 133 126 173 201 238 258 283 321 446 489 545
Total Common Equity		 113 126 173 201 238 258 283 321 446 489 545
Common Stock		 0.07 0.07 0.09 0.09 0.09 95 96 119 218 220 0.12
Retained Earnings		 78 90 102 120 144 166 200 240 271 311 360
Treasury Stock		 - - - 0.00 -1.17 -6.94 -15 -21 -21 -25 -25
Accumulated Other Comprehensive Income / (Loss)		 35 36 71 81 96 4.45 2.88 -17 -22 -17 210

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 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 12/31/2022 3/31/2023 9/30/2023 12/31/2023 3/31/2024 9/30/2024 12/31/2024 3/31/2025 9/30/2025 12/31/2025 3/31/2026
Total Assets		 3,451 4,293 4,470 4,644 4,647 4,729 4,908 4,976 5,036 5,094 5,141
Cash and Due from Banks		 53 115 88 216 168 75 146 227 124 134 93
Interest Bearing Deposits at Other Banks		 2.01 1.25 0.99 0.74 0.49 0.24 0.24 0.25 0.25 0.25 0.25
Trading Account Securities		 231 430 405 417 434 420 468 463 454 445 439
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 2,958 3,435 3,651 3,682 3,720 3,912 3,972 3,969 4,140 1.27 1.03
Premises and Equipment, Net		 67 92 95 95 96 96 96 96 95 95 93
Goodwill		 27 51 51 51 51 51 51 51 51 51 51
Intangible Assets		 7.34 31 29 28 27 26 25 24 22 21 21
Other Assets		 104 138 150 154 151 149 149 147 150 4,347 4,443
Total Liabilities & Shareholders' Equity		 3,451 4,293 4,470 4,644 4,647 4,729 4,908 4,976 5,036 5,094 5,141
Total Liabilities		 3,114 3,856 4,016 4,173 4,167 4,224 4,395 4,448 4,476 4,527 4,568
Non-Interest Bearing Deposits		 3,006 3,755 3,841 3,995 3,996 4,040 4,211 4,261 4,280 4,308 4,341
Short-Term Debt		 - - - - - 15 15 15 20 20 20
Accrued Interest Payable		 2.14 3.72 7.10 11 12 12 11 9.98 15 14 12
Long-Term Debt		 85 68 137 136 125 130 130 127 125 125 128
Other Long-Term Liabilities		 21 29 31 32 35 27 29 34 35 59 67
Commitments & Contingencies		 0.00 0.00 0.00 0.00 - 0.00 0.00 - 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 337 437 454 470 480 506 512 529 560 567 574
Total Preferred & Common Equity		 337 437 454 470 480 506 512 529 560 567 574
Total Common Equity		 337 437 454 470 480 506 512 529 560 567 574
Common Stock		 119 218 219 219 220 220 0.12 0.12 222 222 223
Retained Earnings		 258 258 281 291 300 321 333 346 372 388 403
Treasury Stock		 -21 -21 -21 -21 -21 -25 -25 -25 -25 -33 -43
Accumulated Other Comprehensive Income / (Loss)		 -19 -18 -25 -19 -19 -11 204 207 -8.37 -8.64 -9.07

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 6/30/2015 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021 6/30/2022 6/30/2023 6/30/2024 6/30/2025
DEI Shares Outstanding		 7,419,666.00 7,437,616.00 7,450,041.00 8,992,584.00 9,324,459.00 9,128,290.00 8,934,113.00 - - - 11,299,962.00
DEI Adjusted Shares Outstanding		 7,419,666.00 7,437,616.00 7,450,041.00 8,992,584.00 9,324,459.00 9,128,290.00 8,934,113.00 - - - 11,299,962.00
DEI Earnings Per Adjusted Shares Outstanding		 1.84 2.00 2.09 2.33 3.10 3.02 5.28 - - - 5.18
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 41.08% 0.76% 8.84% 21.86% 14.88% 10.49% 18.80% 10.68% 22.58% 7.44% 11.12%
EBITDA Growth		 25.56% -9.23% 22.58% 32.76% 19.56% 3.95% 61.03% 0.30% -17.42% 24.01% 17.22%
EBIT Growth		 42.55% 3.50% -2.02% 38.47% 25.13% -2.42% 70.20% 0.33% -17.43% 27.59% 17.25%
NOPAT Growth		 35.58% 12.12% 1.49% 34.57% 38.11% -4.70% 71.28% -0.02% -16.82% 27.89% 16.73%
Net Income Growth		 35.58% 8.63% 4.74% 34.57% 38.11% -4.70% 71.28% -0.02% -16.82% 27.89% 16.73%
EPS Growth		 23.45% 10.61% 4.55% 15.46% 31.38% -4.78% 74.58% -0.19% -26.10% 14.81% 17.19%
Operating Cash Flow Growth		 49.29% -11.30% 45.00% 19.62% 25.97% 4.40% 28.44% 30.10% -7.90% 13.29% 16.07%
Free Cash Flow Firm Growth		 107.19% -480.71% 309.69% -167.32% 166.19% -147.14% 436.60% -37.45% -941.78% 121.42% -117.02%
Invested Capital Growth		 3.26% 16.12% -11.96% 21.97% 2.40% 12.36% 3.69% 7.18% 57.86% 1.87% 10.20%
Revenue Q/Q Growth		 -9.91% 91.84% 3.56% 42.12% -14.30% 2.99% 2.42% 4.57% 7.68% -1.39% 2.67%
EBITDA Q/Q Growth		 -18.65% 76.95% 17.93% 67.20% -14.10% -5.07% 15.21% -0.51% 4.84% -3.47% 3.32%
EBIT Q/Q Growth		 -18.97% 131.91% -0.03% 54.51% -13.39% 1.38% 15.04% -0.88% 6.03% -3.86% 3.03%
NOPAT Q/Q Growth		 6.30% 4.02% -2.78% 19.40% 35.22% -21.94% 16.80% -1.26% 6.73% -3.89% 4.00%
Net Income Q/Q Growth		 6.30% 0.79% 0.20% 21.01% 33.77% -21.94% 16.80% -1.26% 6.73% -3.89% 4.00%
EPS Q/Q Growth		 4.68% 1.02% -37.46% 0.00% 6.08% -1.97% 17.83% -2.62% -1.79% -2.86% 3.81%
Operating Cash Flow Q/Q Growth		 9.84% -4.35% 16.92% 261.74% 25.93% -39.80% 16.23% 3.55% 1.95% -9.57% 17.42%
Free Cash Flow Firm Q/Q Growth		 119.07% -160.97% 228.19% 1.00% -92.51% -129.13% 111.12% 185.19% -136.42% 181.36% 49.59%
Invested Capital Q/Q Growth		 -0.50% 28.00% 12.12% 10.97% 104,423.60% 87,680.45% 1.50% -2.39% 19.40% 1.52% 2.37%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 39.46% 35.55% 40.04% 43.62% 45.40% 42.71% 57.89% 52.46% 35.34% 40.79% 43.03%
EBIT Margin		 36.58% 37.58% 33.83% 38.44% 41.86% 36.97% 52.96% 48.01% 32.34% 38.41% 40.52%
Profit (Net Income) Margin		 24.44% 26.35% 25.35% 28.00% 33.66% 29.03% 41.85% 37.80% 25.65% 30.54% 32.08%
Tax Burden Percent		 69.30% 68.96% 71.95% 72.84% 80.40% 80.00% 79.02% 78.74% 79.33% 79.52% 79.17%
Interest Burden Percent		 96.39% 101.66% 104.16% 100.00% 100.00% 98.15% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 30.70% 28.82% 28.05% 27.16% 19.60% 20.00% 20.98% 21.26% 20.67% 20.48% 20.83%
Return on Invested Capital (ROIC)		 5.80% 5.92% 5.95% 7.70% 9.57% 8.49% 13.49% 12.78% 7.97% 8.25% 8.94%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.80% 5.56% 5.95% 7.70% 9.57% 8.49% 13.49% 12.78% 7.97% 8.25% 8.94%
Return on Net Nonoperating Assets (RNNOA)		 5.41% 5.56% 4.45% 3.49% 3.60% 2.60% 3.93% 2.83% 2.26% 2.49% 2.40%
Return on Equity (ROE)		 11.21% 11.48% 10.40% 11.20% 13.17% 11.09% 17.42% 15.61% 10.23% 10.74% 11.34%
Cash Return on Invested Capital (CROIC)		 2.59% -8.99% 18.67% -12.09% 7.20% -3.16% 9.86% 5.85% -36.90% 6.40% -0.77%
Operating Return on Assets (OROA)		 1.76% 1.57% 1.33% 1.60% 1.75% 1.48% 2.28% 2.03% 1.31% 1.41% 1.54%
Return on Assets (ROA)		 1.18% 1.10% 1.00% 1.16% 1.41% 1.16% 1.80% 1.59% 1.04% 1.12% 1.22%
Return on Common Equity (ROCE)		 9.37% 10.59% 10.40% 11.20% 13.17% 11.09% 17.42% 15.61% 10.23% 10.74% 11.34%
Return on Equity Simple (ROE_SIMPLE)		 10.30% 11.79% 8.99% 10.43% 12.12% 10.66% 16.65% 14.70% 8.80% 10.27% 10.75%
Net Operating Profit after Tax (NOPAT)		 14 15 16 21 29 28 47 47 39 50 59
NOPAT Margin		 24.44% 27.19% 25.35% 28.00% 33.66% 29.03% 41.85% 37.80% 25.65% 30.54% 32.08%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.37% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 44.00% 45.84% 47.16% 45.24% 43.87% 45.34% 39.73% 41.96% 44.23% 47.92% 44.93%
Operating Expenses to Revenue		 57.72% 58.00% 62.36% 57.49% 55.77% 56.70% 47.94% 50.80% 56.51% 59.40% 55.91%
Earnings before Interest and Taxes (EBIT)		 20 21 21 29 36 35 60 60 49 63 74
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 22 20 25 33 39 41 65 65 54 67 79
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.06 1.21 1.22 1.56 1.23 0.79 1.34 1.26 0.95 1.04 1.13
Price to Tangible Book Value (P/TBV)		 1.15 1.29 1.34 1.73 1.37 0.87 1.44 1.41 1.17 1.24 1.31
Price to Revenue (P/Rev)		 2.14 2.70 3.45 4.19 3.43 2.16 3.36 3.23 2.78 3.10 3.37
Price to Earnings (P/E)		 8.88 10.30 12.47 14.96 10.18 7.27 8.02 8.55 10.84 10.14 10.52
Dividend Yield		 2.11% 1.76% 1.41% 1.26% 1.65% 2.67% 1.46% 1.85% 2.24% 1.87% 1.69%
Earnings Yield		 11.26% 9.71% 8.02% 6.68% 9.83% 13.76% 12.46% 11.69% 9.23% 9.86% 9.51%
Enterprise Value to Invested Capital (EV/IC)		 0.97 1.02 1.04 1.30 1.06 0.68 0.92 0.98 0.87 0.93 0.82
Enterprise Value to Revenue (EV/Rev)		 4.14 5.01 4.13 5.17 3.79 2.48 2.90 2.99 3.44 3.48 3.10
Enterprise Value to EBITDA (EV/EBITDA)		 10.49 14.09 10.32 11.86 8.34 5.80 5.01 5.70 9.74 8.54 7.19
Enterprise Value to EBIT (EV/EBIT)		 11.32 13.33 12.21 13.46 9.04 6.70 5.47 6.23 10.65 9.07 7.64
Enterprise Value to NOPAT (EV/NOPAT)		 16.94 18.42 16.30 18.47 11.25 8.53 6.93 7.91 13.42 11.41 9.65
Enterprise Value to Operating Cash Flow (EV/OCF)		 11.63 15.98 9.89 12.62 8.42 5.83 6.31 5.54 8.49 8.15 6.93
Enterprise Value to Free Cash Flow (EV/FCFF)		 37.89 0.00 5.19 0.00 14.95 0.00 9.47 17.28 0.00 14.72 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.81 1.21 0.41 0.49 0.28 0.33 0.26 0.19 0.35 0.26 0.26
Long-Term Debt to Equity		 0.60 0.99 0.36 0.47 0.26 0.33 0.26 0.19 0.35 0.26 0.23
Financial Leverage		 0.93 1.00 0.75 0.45 0.38 0.31 0.29 0.22 0.28 0.30 0.27
Leverage Ratio		 9.52 10.46 10.41 9.61 9.34 9.58 9.68 9.79 9.88 9.59 9.31
Compound Leverage Factor		 9.18 10.63 10.84 9.61 9.34 9.40 9.68 9.79 9.88 9.59 9.31
Debt to Total Capital		 44.60% 54.69% 29.29% 32.78% 22.02% 24.79% 20.43% 15.98% 25.99% 20.39% 20.71%
Short-Term Debt to Total Capital		 11.42% 9.74% 4.17% 1.09% 1.43% 0.00% 0.00% 0.00% 0.00% 0.00% 2.18%
Long-Term Debt to Total Capital		 33.18% 44.95% 25.12% 31.68% 20.59% 24.79% 20.43% 15.98% 25.99% 20.39% 18.53%
Preferred Equity to Total Capital		 8.35% 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		 47.05% 45.31% 70.71% 67.22% 77.98% 75.21% 79.57% 84.02% 74.01% 79.61% 79.29%
Debt to EBITDA		 4.84 7.59 2.92 3.00 1.73 2.10 1.12 0.93 2.90 1.87 1.81
Net Debt to EBITDA		 4.17 6.50 1.70 2.25 0.79 0.74 -0.79 -0.47 1.88 0.95 -0.65
Long-Term Debt to EBITDA		 3.60 6.24 2.50 2.90 1.61 2.10 1.12 0.93 2.90 1.87 1.62
Debt to NOPAT		 7.81 9.92 4.61 4.68 2.33 3.09 1.54 1.29 3.99 2.50 2.43
Net Debt to NOPAT		 6.73 8.50 2.68 3.51 1.07 1.09 -1.10 -0.65 2.58 1.27 -0.87
Long-Term Debt to NOPAT		 5.81 8.16 3.95 4.52 2.18 3.09 1.54 1.29 3.99 2.50 2.17
Noncontrolling Interest Sharing Ratio		 16.41% 7.73% 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)		 6.11 -23 49 -33 22 -10 34 22 -182 39 -5.02
Operating Cash Flow to CapEx		 266.43% 180.21% 844.36% 1,433.30% 501.57% 936.36% 1,812.40% 1,458.57% 1,027.04% 776.70% 1,302.20%
Free Cash Flow to Firm to Interest Expense		 0.70 -2.48 4.71 -2.22 0.88 -0.38 2.05 1.62 -3.66 0.36 -0.04
Operating Cash Flow to Interest Expense		 2.27 1.89 2.47 2.07 1.56 1.50 3.08 5.06 1.25 0.65 0.66
Operating Cash Flow Less CapEx to Interest Expense		 1.42 0.84 2.18 1.93 1.25 1.34 2.91 4.72 1.13 0.56 0.61
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 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 1.30 1.21 1.37 1.46 1.48 1.75 1.84 1.87 1.74 1.90
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 239 278 245 299 306 344 356 382 603 614 687
Invested Capital Turnover		 0.24 0.22 0.23 0.28 0.28 0.29 0.32 0.34 0.31 0.27 0.28
Increase / (Decrease) in Invested Capital		 7.56 39 -33 54 7.16 38 13 26 221 11 64
Enterprise Value (EV)		 232 282 253 387 325 235 327 373 527 573 565
Market Capitalization		 120 152 212 313 294 205 379 404 425 509 616
Book Value per Share		 $15.18 $16.94 $23.23 $22.32 $25.57 $28.30 $31.72 $34.46 $39.37 $43.04 $48.20
Tangible Book Value per Share		 $14.00 $15.88 $21.17 $20.09 $23.06 $25.91 $29.35 $30.65 $32.20 $36.24 $41.68
Total Capital		 239 278 245 299 306 344 356 382 603 614 687
Total Debt		 107 152 72 98 67 85 73 61 157 125 142
Total Long-Term Debt		 79 125 61 95 63 85 73 61 157 125 127
Net Debt		 92 130 42 73 31 30 -52 -31 101 64 -51
Capital Expenditures (CapEx)		 7.48 9.80 3.03 2.14 7.70 4.30 2.86 4.62 6.04 9.05 6.26
Net Nonoperating Expense (NNE)		 0.00 0.48 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 107 152 72 98 67 85 73 61 157 125 142
Total Depreciation and Amortization (D&A)		 1.61 -1.14 3.81 3.88 3.03 5.45 5.56 5.55 4.60 3.93 4.59
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.84 $1.99 $2.08 $2.40 $3.14 $3.00 $5.22 $0.00 $3.86 $4.42 $5.19
Adjusted Weighted Average Basic Shares Outstanding		 7.42M 7.44M 8.59M 9.00M 9.20M 9.13M 8.89M 0.00 11.34M 11.28M 11.29M
Adjusted Diluted Earnings per Share		 $1.79 $1.98 $2.07 $2.39 $3.14 $2.99 $5.22 $0.00 $3.85 $4.42 $5.18
Adjusted Weighted Average Diluted Shares Outstanding		 7.42M 7.44M 8.59M 9.00M 9.20M 9.13M 8.89M 0.00 11.34M 11.28M 11.29M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $3.14 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 7.42M 7.44M 8.59M 9.00M 9.20M 9.13M 8.89M 0.00 11.34M 11.28M 11.29M
Normalized Net Operating Profit after Tax (NOPAT)		 14 15 16 21 29 28 47 47 39 50 59
Normalized NOPAT Margin		 24.44% 27.19% 25.35% 28.00% 33.66% 29.03% 41.85% 37.80% 25.65% 30.54% 32.08%
Pre Tax Income Margin		 35.26% 38.20% 35.24% 38.44% 41.86% 36.29% 52.96% 48.01% 32.34% 38.41% 40.52%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.33 2.26 2.00 1.94 1.46 1.30 3.56 4.50 1.00 0.58 0.60
NOPAT to Interest Expense		 1.56 1.64 1.50 1.42 1.17 1.02 2.81 3.55 0.79 0.46 0.48
EBIT Less CapEx to Interest Expense		 1.48 1.21 1.71 1.80 1.14 1.14 3.39 4.16 0.87 0.50 0.55
NOPAT Less CapEx to Interest Expense		 0.71 0.59 1.21 1.27 0.86 0.86 2.64 3.20 0.67 0.38 0.43
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 19.88% 18.93% 19.17% 18.29% 16.48% 20.01% 11.87% 15.25% 22.00% 18.98% 17.72%
Augmented Payout Ratio		 39.63% 18.93% 19.17% 18.29% 20.51% 40.97% 29.54% 27.63% 22.00% 26.67% 17.72%

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 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 11,277,167.00 11,299,962.00 11,290,667.00 11,202,189.00 11,108,279.00
DEI Adjusted Shares Outstanding		 - - - - - - 11,277,167.00 11,299,962.00 11,290,667.00 11,202,189.00 11,108,279.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 1.39 1.40 1.39 1.62 1.60
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 21.24% 19.04% 0.10% -5.11% 6.27% 12.17% 15.09% 11.08% 11.76% - 8.89%
EBITDA Growth		 29.62% 0.30% 295.61% -11.72% -2.27% 24.91% 35.17% 13.91% 23.01% - 15.43%
EBIT Growth		 38.12% 2.91% 373.52% -13.01% -4.83% 24.95% 40.14% 12.82% 22.77% - 10.70%
NOPAT Growth		 36.95% 4.54% 369.36% -13.05% -5.27% 20.18% 38.70% 16.65% 25.62% - 13.25%
Net Income Growth		 36.95% 4.54% 369.36% -13.05% -5.27% 20.18% 38.70% 16.65% 25.62% - 13.25%
EPS Growth		 11.54% -15.08% 350.00% -9.77% -5.17% 21.50% 40.40% 15.83% 25.45% - 15.11%
Operating Cash Flow Growth		 101.20% -21.16% 121.08% -32.82% -29.66% 18.81% 0.89% 79.51% 63.13% - 20.30%
Free Cash Flow Firm Growth		 98.34% -205.68% 20.21% 101.10% -1,259.84% 78.78% 42.96% -569.32% 17.71% - 34.84%
Invested Capital Growth		 2.90% 43.84% 19.82% 1.87% 10.12% 8.46% 10.96% 10.20% 8.39% - 7.56%
Revenue Q/Q Growth		 -8.68% -2.72% -0.08% 6.90% 2.27% 2.68% 2.53% 3.18% 2.90% - 1.21%
EBITDA Q/Q Growth		 -15.64% -6.07% -6.61% 19.29% -6.61% 20.06% 1.06% 0.52% 0.86% - -2.27%
EBIT Q/Q Growth		 -14.67% -7.65% -7.95% 19.92% -6.64% 21.25% 3.24% -3.46% 1.58% - -3.32%
NOPAT Q/Q Growth		 -15.49% -7.28% -7.27% 19.67% -7.93% 17.62% 7.03% 0.64% -0.85% - -2.14%
Net Income Q/Q Growth		 -15.49% -7.28% -7.27% 19.67% -7.93% 17.62% 7.03% 0.64% -0.85% - -2.14%
EPS Q/Q Growth		 -12.78% -7.76% -7.48% 21.21% -8.33% 18.18% 6.92% 0.00% -0.72% - -1.23%
Operating Cash Flow Q/Q Growth		 -37.30% 19.32% 40.96% -36.29% -34.35% 101.54% 19.69% 13.35% -40.34% - 36.46%
Free Cash Flow Firm Q/Q Growth		 98.30% -4,858.55% 48.60% 102.54% -2,200.09% 22.63% -38.18% 5.51% 18.53% - 10.55%
Invested Capital Q/Q Growth		 -1.93% 2.58% -0.26% 1.52% 6.01% 1.04% 2.04% 2.37% 2.70% - 1.28%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 42.07% 40.62% 37.97% 42.37% 38.69% 45.24% 44.59% 43.44% 42.58% - 47.27%
EBIT Margin		 40.34% 38.29% 35.28% 39.57% 36.12% 42.66% 42.96% 40.19% 39.68% - 43.67%
Profit (Net Income) Margin		 31.88% 30.39% 28.20% 31.57% 28.42% 32.56% 33.99% 33.15% 31.94% - 35.35%
Tax Burden Percent		 79.04% 79.35% 79.94% 79.77% 78.67% 76.32% 79.12% 82.48% 80.50% - 80.95%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00%
Effective Tax Rate		 20.96% 20.65% 20.06% 20.23% 21.33% 23.68% 20.88% 17.52% 19.50% - 19.05%
Return on Invested Capital (ROIC)		 8.76% 9.85% 8.47% 8.53% 7.64% 8.85% 9.48% 9.24% 8.84% - 9.97%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.76% 9.85% 8.47% 8.53% 7.64% 8.85% 9.48% 9.24% 8.84% - 9.97%
Return on Net Nonoperating Assets (RNNOA)		 4.33% 2.69% 1.79% 2.57% 2.25% 2.53% 2.51% 2.48% 2.41% - 2.63%
Return on Equity (ROE)		 13.09% 12.54% 10.26% 11.10% 9.89% 11.38% 11.99% 11.72% 11.25% - 12.60%
Cash Return on Invested Capital (CROIC)		 4.49% -27.53% -8.62% 6.40% -1.66% 0.11% -1.56% -0.77% 1.06% - 2.39%
Operating Return on Assets (OROA)		 1.63% 1.58% 1.32% 1.45% 1.31% 1.53% 1.59% 1.53% 1.53% - 1.70%
Return on Assets (ROA)		 1.29% 1.25% 1.05% 1.16% 1.03% 1.17% 1.26% 1.26% 1.23% - 1.37%
Return on Common Equity (ROCE)		 13.09% 12.54% 10.26% 11.10% 9.89% 11.38% 11.99% 11.72% 11.25% - 12.60%
Return on Equity Simple (ROE_SIMPLE)		 9.43% 9.21% 10.89% 0.00% 9.79% 10.14% 10.65% 0.00% 11.03% - 11.74%
Net Operating Profit after Tax (NOPAT)		 13 12 11 14 12 15 16 16 16 - 18
NOPAT Margin		 31.88% 30.39% 28.20% 31.57% 28.42% 32.56% 33.99% 33.15% 31.94% - 35.35%
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%
SG&A Expenses to Revenue		 45.91% 47.88% 50.74% 47.25% 47.46% 44.41% 44.49% 43.52% 40.78% - 42.63%
Operating Expenses to Revenue		 57.48% 59.46% 62.48% 58.33% 58.95% 55.27% 55.02% 54.56% 51.13% - 52.19%
Earnings before Interest and Taxes (EBIT)		 17 15 14 17 16 19 20 19 19 - 22
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 17 16 15 18 17 20 21 21 21 - 24
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.95 1.26 1.03 1.04 1.26 1.26 1.11 1.13 1.06 - 1.24
Price to Tangible Book Value (P/TBV)		 1.15 1.52 1.22 1.24 1.48 1.48 1.29 1.31 1.22 - 1.41
Price to Revenue (P/Rev)		 2.69 3.57 2.95 3.10 3.82 3.77 3.30 3.37 3.16 - 3.61
Price to Earnings (P/E)		 10.05 13.72 9.42 10.14 12.87 12.45 10.42 10.52 9.61 - 10.55
Dividend Yield		 2.21% 1.60% 1.94% 1.87% 1.52% 1.53% 1.73% 1.69% 1.79% - 1.53%
Earnings Yield		 9.95% 7.29% 10.62% 9.86% 7.77% 8.03% 9.60% 9.51% 10.41% - 9.48%
Enterprise Value to Invested Capital (EV/IC)		 0.81 0.85 0.74 0.93 1.09 0.98 0.75 0.82 0.87 - 1.06
Enterprise Value to Revenue (EV/Rev)		 2.98 3.08 2.69 3.48 4.23 3.76 2.82 3.10 3.27 - 3.89
Enterprise Value to EBITDA (EV/EBITDA)		 8.24 8.84 6.45 8.54 10.61 9.14 6.60 7.19 7.45 - 8.54
Enterprise Value to EBIT (EV/EBIT)		 8.84 9.42 6.83 9.07 11.34 9.77 6.99 7.64 7.92 - 9.20
Enterprise Value to NOPAT (EV/NOPAT)		 11.17 11.86 8.58 11.41 14.28 12.44 8.91 9.65 9.95 - 11.36
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.91 7.95 5.77 8.15 10.70 9.33 7.22 6.93 6.99 - 8.15
Enterprise Value to Free Cash Flow (EV/FCFF)		 18.28 0.00 0.00 14.72 0.00 958.67 0.00 0.00 85.73 - 46.07
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.30 0.29 0.26 0.26 0.29 0.28 0.27 0.26 0.26 - 0.26
Long-Term Debt to Equity		 0.30 0.29 0.26 0.26 0.26 0.25 0.24 0.23 0.22 - 0.22
Financial Leverage		 0.49 0.27 0.21 0.30 0.29 0.29 0.27 0.27 0.27 - 0.26
Leverage Ratio		 10.14 10.03 9.76 9.59 9.59 9.72 9.54 9.31 9.16 - 9.18
Compound Leverage Factor		 10.14 10.03 9.76 9.59 9.59 9.72 9.54 9.31 9.16 - 9.18
Debt to Total Capital		 23.20% 22.46% 20.70% 20.39% 22.31% 22.09% 21.20% 20.71% 20.59% - 20.54%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 2.30% 2.28% 2.24% 2.18% 2.84% - 2.77%
Long-Term Debt to Total Capital		 23.20% 22.46% 20.70% 20.39% 20.01% 19.81% 18.97% 18.53% 17.75% - 17.77%
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%
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%
Common Equity to Total Capital		 76.80% 77.54% 79.30% 79.61% 77.69% 77.91% 78.80% 79.29% 79.41% - 79.46%
Debt to EBITDA		 2.36 2.34 1.80 1.87 2.18 2.05 1.87 1.81 1.76 - 1.65
Net Debt to EBITDA		 0.83 -1.39 -0.63 0.95 1.05 -0.01 -1.12 -0.65 0.25 - 0.61
Long-Term Debt to EBITDA		 2.36 2.34 1.80 1.87 1.95 1.84 1.67 1.62 1.52 - 1.43
Debt to NOPAT		 3.21 3.14 2.40 2.50 2.93 2.80 2.53 2.43 2.35 - 2.20
Net Debt to NOPAT		 1.12 -1.87 -0.83 1.27 1.41 -0.02 -1.51 -0.87 0.34 - 0.82
Long-Term Debt to NOPAT		 3.21 3.14 2.40 2.50 2.63 2.51 2.26 2.17 2.03 - 1.90
Noncontrolling Interest Sharing Ratio		 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)		 -3.48 -173 -89 2.25 -47 -37 -51 -48 -39 - -33
Operating Cash Flow to CapEx		 995.45% 1,224.71% 553.82% 791.94% 698.25% 1,015.02% 1,756.85% 1,851.15% 1,809.10% - 6,359.21%
Free Cash Flow to Firm to Interest Expense		 -0.15 -6.37 -3.01 0.08 -1.54 -1.17 -1.66 -1.58 -1.27 - -1.19
Operating Cash Flow to Interest Expense		 0.63 0.63 0.81 0.51 0.33 0.64 0.79 0.90 0.53 - 1.04
Operating Cash Flow Less CapEx to Interest Expense		 0.56 0.57 0.66 0.45 0.28 0.58 0.75 0.85 0.50 - 1.03
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 - 0.04
Fixed Asset Turnover		 1.94 2.06 1.77 1.74 1.75 1.80 1.85 1.90 1.96 - 2.08
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 591 606 605 614 651 658 671 687 705 - 722
Invested Capital Turnover		 0.27 0.32 0.30 0.27 0.27 0.27 0.28 0.28 0.28 - 0.28
Increase / (Decrease) in Invested Capital		 17 185 100 11 60 51 66 64 55 - 51
Enterprise Value (EV)		 478 514 448 573 707 646 502 565 614 - 765
Market Capitalization		 430 594 492 509 637 647 587 616 593 - 710
Book Value per Share		 $40.04 $41.48 $42.23 $43.04 $44.83 $45.43 $46.89 $48.20 $49.62 - $51.63
Tangible Book Value per Share		 $32.97 $34.50 $35.36 $36.24 $38.07 $38.75 $40.27 $41.68 $43.16 - $45.21
Total Capital		 591 606 605 614 651 658 671 687 705 - 722
Total Debt		 137 136 125 125 145 145 142 142 145 - 148
Total Long-Term Debt		 137 136 125 125 130 130 127 127 125 - 128
Net Debt		 48 -81 -44 64 70 -0.83 -85 -51 21 - 55
Capital Expenditures (CapEx)		 1.43 1.38 4.31 1.92 1.43 1.98 1.37 1.48 0.90 - 0.46
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Net Nonoperating Obligations (NNO)		 137 136 125 125 145 145 142 142 145 - 148
Total Depreciation and Amortization (D&A)		 0.72 0.93 1.08 1.20 1.12 1.16 0.76 1.55 1.42 - 1.81
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.16 $1.08 $1.00 $1.18 $1.10 $1.30 $1.39 $1.40 $1.39 $1.62 $1.60
Adjusted Weighted Average Basic Shares Outstanding		 11.34M 11.36M 11.36M 11.28M 11.28M 11.28M 11.30M 11.29M 11.20M 11.11M 11.02M
Adjusted Diluted Earnings per Share		 $1.16 $1.07 $0.99 $1.20 $1.10 $1.30 $1.39 $1.39 $1.38 $1.62 $1.60
Adjusted Weighted Average Diluted Shares Outstanding		 11.34M 11.36M 11.36M 11.28M 11.28M 11.28M 11.30M 11.29M 11.20M 11.11M 11.02M
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		 11.34M 11.36M 11.36M 11.28M 11.28M 11.28M 11.30M 11.29M 11.20M 11.11M 11.02M
Normalized Net Operating Profit after Tax (NOPAT)		 13 12 11 14 12 15 16 16 16 - 18
Normalized NOPAT Margin		 31.88% 30.39% 28.20% 31.57% 28.42% 32.56% 33.99% 33.15% 31.94% - 35.35%
Pre Tax Income Margin		 40.34% 38.29% 35.28% 39.57% 36.12% 42.66% 42.96% 40.19% 39.68% - 43.67%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.73 0.57 0.48 0.57 0.52 0.61 0.65 0.63 0.64 - 0.79
NOPAT to Interest Expense		 0.58 0.45 0.38 0.46 0.41 0.47 0.52 0.52 0.51 - 0.64
EBIT Less CapEx to Interest Expense		 0.67 0.52 0.33 0.51 0.47 0.55 0.61 0.58 0.61 - 0.77
NOPAT Less CapEx to Interest Expense		 0.52 0.40 0.24 0.39 0.36 0.41 0.47 0.47 0.48 - 0.62
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 21.21% 21.97% 18.24% 18.98% 19.68% 19.16% 18.05% 17.72% 17.17% - 16.31%
Augmented Payout Ratio		 21.21% 21.97% 18.60% 26.67% 19.68% 19.16% 24.56% 17.72% 17.89% - 43.46%

Financials Breakdown Chart

Key Financial Trends

Here is a concise, data-driven snapshot of Southern Missouri Bancorp (SMBC) using quarterly statements from the last four years. The focus is on profitability, liquidity, and capital trends that a retail investor might consider when evaluating the stock.

  • Q2 2026: Net income attributable to common shareholders was $18.15 million, with basic and diluted earnings per share of $1.62 on about 11.11 million shares.
  • Q2 2026: Net interest income stood at $42.87 million, contributing to a solid top line in the latest quarter.
  • Q2 2026: Total revenue reached $49.65 million, supported by higher interest income and non-interest income components.
  • Q2 2026: Net cash from continuing operating activities was $21.25 million, indicating healthy operating cash flow.
  • Q2 2026: Total assets grew to about $5.09 billion, reflecting balance-sheet growth and improved liquidity.
  • Q2 2026: Non-interest bearing deposits were roughly $4.31 billion, supporting a stable, low-cost funding base alongside a solid equity base (total common equity around $567.36 million).
  • Q2 2026: Dividends to common per share were $0.25, showing ongoing shareholder returns.
  • Q2 2026: Trading account securities were about $444.97 million, providing liquidity and potential investment income flexibility.
  • Trading account securities and related asset allocations have grown to a sizable level over time, which may influence risk/return dynamics and capital allocation decisions.
  • Loans Held for Sale have frequently shown large balances (roughly $3.7–4.0 billion in several quarters), suggesting a significant inventory position tied to loan-sales activity. Neutral to the core credit story depending on strategy and market conditions.
05/14/26 03:49 PM ETAI Generated. May Contain Errors.

Southern Missouri Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Southern Missouri Bancorp's financial year ends in June. Their financial year 2025 ended on June 30, 2025.

Southern Missouri Bancorp's net income appears to be on an upward trend, with a most recent value of $58.58 million in 2025, rising from $13.67 million in 2015. The previous period was $50.18 million in 2024. Find out what analysts predict for Southern Missouri Bancorp in the coming months.

Over the last 10 years, Southern Missouri Bancorp's total revenue changed from $55.93 million in 2015 to $182.60 million in 2025, a change of 226.5%.

Southern Missouri Bancorp's total liabilities were at $4.47 billion at the end of 2025, a 8.7% increase from 2024, and a 283.3% increase since 2015.

In the past 10 years, Southern Missouri Bancorp's cash and equivalents has ranged from $16.78 million in 2015 to $192.86 million in 2025, and is currently $192.86 million as of their latest financial filing in 2025.

Over the last 10 years, Southern Missouri Bancorp's book value per share changed from 15.18 in 2015 to 48.20 in 2025, a change of 217.5%.


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Financial statements for NASDAQ:SMBC last updated on 5/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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