Southern Missouri Bancorp (SMBC) Financials

$75.25 +0.07 (+0.09%)

Closing price 07/14/2026 04:00 PM Eastern

Extended Trading

$75.25 0.00 (0.00%)

As of 07/14/2026 05:23 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	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

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

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

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

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

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

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%

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

Southern Missouri Bancorp (NASDAQ: SMBC) showed solid profitability in the latest quarter, but the underlying story is more mixed when you look across the last four years. Earnings remained strong, operating cash flow was healthy, and the bank continued to return capital through dividends and buybacks. At the same time, the balance sheet and cash flow statements show meaningful swings in deposits, securities, and other assets that investors should watch closely.

For Q3 2026, SMBC reported net income of $17.8 million, up slightly from $18.2 million in Q2 2026 and above the $15.7 million earned in Q1 2026. Earnings per share held at $1.60, supported by steady net interest income of $43.2 million and non-interest income of $7.1 million. Provision expense also remained manageable at $2.1 million, suggesting credit costs were still under control.

On the cash flow side, the quarter was more challenging. SMBC generated $29.0 million in operating cash flow, but investing activities used $93.4 million and the company ended the quarter with a $41.0 million decline in cash and equivalents. A large negative “other investing activities” figure drove most of the cash outflow, which stands out as a key item for investors to understand.

The balance sheet remained well capitalized on a common equity basis, but there were notable changes in liquidity and asset mix. Total assets increased to $5.14 billion from $5.09 billion in Q2 2026, while total common equity rose to $573.5 million from $567.4 million. However, cash and due from banks fell sharply to $93.0 million from $134.1 million the prior quarter, and trading securities declined modestly.

Looking at the longer trend from 2023 through 2026, SMBC has generally produced:

Consistently profitable quarters, with quarterly net income generally ranging from about $11 million to $18 million in the periods provided.
Stable to rising net interest income over time, with Q3 2026 net interest income of $43.2 million versus $34.5 million in Q3 2024.
Strong operating cash flow, including $29.0 million in Q3 2026 and $27.3 million in Q4 2025.
Ongoing shareholder returns through dividends and share repurchases.
Improving equity base, with common equity growing over the multi-year period shown.
Deposit balances that can swing quarter to quarter, which is common for banks but still important to monitor.
A balance sheet heavily weighted toward loans held for sale and other assets, rather than a simple traditional loan book in the data provided.
Meaningful reliance on investment securities as part of the earnings and liquidity profile.
Large quarter-to-quarter volatility in cash flow from investing activities, especially in Q3 2026 and Q1 2026.
Recent declines in cash balances, which may reduce near-term liquidity flexibility if the trend continues.
Provision expense has remained present every quarter, indicating the bank is still reserving for credit risk.
Other long-term liabilities and debt levels remain material, so funding costs and balance sheet management matter.

Bottom line: Southern Missouri Bancorp looks like a consistently profitable community bank with solid core earnings and respectable capital generation. But investors should pay close attention to the sharp swings in investing cash flows and the changing mix of deposits, securities, and other assets. The business appears healthy overall, yet liquidity management and asset positioning remain the main areas to watch.

07/15/26 12:22 AM 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 fiscal year ends in June. Their fiscal 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. See where experts think Southern Missouri Bancorp is headed by visiting Southern Missouri Bancorp's forecast page.

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%.

Related Companies

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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Southern Missouri Bancorp (SMBC) Financials

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Southern Missouri Bancorp (SMBC) Financials

Annual Income Statements for Southern Missouri Bancorp

Quarterly Income Statements for Southern Missouri Bancorp

Annual Cash Flow Statements for Southern Missouri Bancorp

Quarterly Cash Flow Statements for Southern Missouri Bancorp

Annual Balance Sheets for Southern Missouri Bancorp

Quarterly Balance Sheets for Southern Missouri Bancorp

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Quarterly Metrics And Ratios for Southern Missouri Bancorp

Financials Breakdown Chart

Key Financial Trends

Southern Missouri Bancorp Financials - Frequently Asked Questions

When does Southern Missouri Bancorp's financial year end?

How has Southern Missouri Bancorp's net income changed over the last 10 years?

How has Southern Missouri Bancorp's revenue changed over the last 10 years?

How much debt does Southern Missouri Bancorp have?

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How has Southern Missouri Bancorp's book value per share changed over the last 10 years?

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