Southern Missouri Bancorp (SMBC) Financials

$73.26 +0.03 (+0.04%)

Closing price 09/11/2026 04:00 PM Eastern

Extended Trading

$73.18 -0.08 (-0.10%)

As of 09/11/2026 07:30 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	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Period end date	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	6/30/2026
Net Income / (Loss) Attributable to Common Shareholders	15	17	21	29	28	47	47	39	50	59	72
Consolidated Net Income / (Loss)	15	16	21	29	28	47	47	39	50	59	72
Net Income / (Loss) Continuing Operations	15	17	21	29	28	47	47	39	50	59	72
Total Pre-Tax Income	22	22	29	36	34	60	60	49	63	74	87
Total Revenue	56	61	75	86	95	113	125	153	164	183	201
Net Interest Income / (Expense)	47	51	62	73	80	93	104	127	139	155	173
Total Interest Income	56	61	77	97	107	109	117	176	248	277	289
Loans and Leases Interest Income	53	58	73	92	102	105	111	162	223	251	265
Investment Securities Interest Income	3.43	3.47	3.98	5.03	4.79	4.17	4.94	12	22	22	21
Other Interest Income	0.04	0.03	0.07	0.13	0.13	0.23	0.44	1.90	4.36	4.14	3.26
Total Interest Expense	9.37	10	15	25	27	17	13	50	109	123	116
Deposits Interest Expense	7.41	8.47	13	21	24	15	12	44	102	116	109
Long-Term Debt Interest Expense	1.84	1.77	1.93	3.46	2.83	1.90	1.48	5.07	6.74	6.21	6.12
Federal Funds Purchased and Securities Sold Interest Expense	0.12	0.10	0.04	0.04	-	0.00	0.00	0.21	0.45	0.77	0.81
Total Non-Interest Income	9.76	11	12	13	15	20	21	26	25	28	28
Trust Fees by Commissions	-	-	-	-	-	-	0.61	1.23	1.22	1.29	1.43
Other Service Charges	8.18	9.11	10	11	12	14	16	20	19	21	19
Net Realized & Unrealized Capital Gains on Investments	0.65	0.84	1.14	1.02	1.63	4.07	1.60	0.88	-0.78	0.80	0.90
Investment Banking Income	-	-	-	-	-	-	1.81	2.18	3.17	3.30	3.77
Other Non-Interest Income	0.93	1.14	0.95	1.33	1.02	1.80	1.17	1.52	1.91	2.08	2.57
Provision for Credit Losses	2.49	2.34	3.05	2.03	6.00	-1.02	1.49	17	3.60	6.52	11
Total Non-Interest Expense	33	38	43	48	54	54	63	86	98	102	102
Salaries and Employee Benefits	18	19	23	26	29	31	36	47	53	56	55
Net Occupancy & Equipment Expense	7.13	8.42	9.32	10	12	13	15	19	23	24	26
Marketing Expense	0.93	1.10	1.20	1.16	1.23	1.08	1.50	1.77	2.12	2.07	2.29
Property & Liability Insurance Claims	0.66	0.68	0.52	0.66	0.16	0.77	0.74	1.47	2.46	2.34	2.20
Other Operating Expenses	5.17	7.73	7.18	7.89	8.85	7.10	8.84	15	12	14	14
Amortization Expense	1.03	0.91	1.46	1.67	1.77	1.40	1.44	2.63	4.07	3.54	3.08
Income Tax Expense	6.21	6.06	7.80	7.05	6.89	13	13	10	13	15	15
Basic Earnings per Share	$1.99	$2.08	$2.40	$3.14	$3.00	$5.22	$5.22	$3.86	$4.42	$5.19	$6.44
Weighted Average Basic Shares Outstanding	7.43M	7.48M	9.00M	9.20M	9.13M	8.89M	9.23M	11.34M	11.28M	11.29M	11.01M
Diluted Earnings per Share	$1.98	$2.07	$2.39	$3.14	$2.99	$5.22	$5.21	$3.85	$4.42	$5.18	$6.43
Weighted Average Diluted Shares Outstanding	7.43M	7.48M	9.00M	9.20M	9.13M	8.89M	9.23M	11.34M	11.28M	11.29M	11.01M
Weighted Average Basic & Diluted Shares Outstanding	7.43M	7.48M	9.00M	9.20M	9.13M	8.89M	9.23M	11.34M	11.28M	11.29M	11.01M
Cash Dividends to Common per Share	$0.36	$0.40	$0.44	$0.52	$0.60	$0.62	$0.80	$0.84	$0.84	$0.92	$1.00

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 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026	Q4 2026
Period end date	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	6/30/2026
Net Income / (Loss) Attributable to Common Shareholders	12	11	14	12	15	16	16	16	18	18	20
Consolidated Net Income / (Loss)	12	11	14	12	15	16	16	16	18	18	20
Net Income / (Loss) Continuing Operations	12	11	14	12	15	16	16	16	18	18	20
Total Pre-Tax Income	15	14	17	16	19	20	19	19	23	22	23
Total Revenue	40	40	43	44	45	46	48	49	50	50	52
Net Interest Income / (Expense)	34	35	35	37	38	39	40	42	43	43	44
Total Interest Income	62	64	65	67	69	70	71	73	72	71	73
Loans and Leases Interest Income	55	56	58	62	63	63	63	66	66	65	67
Investment Securities Interest Income	5.26	5.49	5.68	5.55	5.56	5.68	5.59	5.46	5.20	4.90	4.96
Other Interest Income	1.18	2.59	0.54	0.08	0.78	1.59	1.70	1.11	1.06	0.66	0.43
Total Interest Expense	27	30	30	31	31	30	30	31	29	28	28
Deposits Interest Expense	25	28	28	29	30	29	29	29	28	26	26
Long-Term Debt Interest Expense	1.52	1.50	1.45	1.76	1.52	1.46	1.47	1.47	1.46	1.43	1.76
Federal Funds Purchased and Securities Sold Interest Expense	0.13	0.13	-	0.16	0.23	0.19	0.19	0.20	0.20	0.20	0.20
Total Non-Interest Income	5.64	5.58	7.77	7.17	6.87	6.67	7.28	6.57	6.78	7.09	7.36
Trust Fees by Commissions	0.31	0.31	-	0.29	0.30	0.34	0.37	0.32	0.35	0.35	0.41
Other Service Charges	4.57	4.63	4.95	5.28	5.07	4.75	5.41	4.68	4.78	4.89	4.77
Net Realized & Unrealized Capital Gains on Investments	-0.38	-0.71	0.10	0.36	0.13	0.16	0.14	0.18	0.17	0.23	0.34
Investment Banking Income	0.67	0.87	-	0.73	0.84	0.90	0.83	0.85	0.94	0.94	1.04
Other Non-Interest Income	0.47	0.48	0.50	0.52	0.52	0.51	0.53	0.55	0.55	0.68	0.79
Provision for Credit Losses	0.90	0.90	0.90	2.16	0.93	0.93	2.50	4.50	1.68	2.08	3.19
Total Non-Interest Expense	24	25	25	26	25	25	26	25	25	26	26
Salaries and Employee Benefits	13	14	14	14	14	14	14	13	14	14	14
Net Occupancy & Equipment Expense	5.86	5.97	5.72	5.86	5.81	6.23	6.32	6.30	6.50	6.81	6.44
Marketing Expense	0.39	0.62	0.64	0.55	0.44	0.53	0.55	0.61	0.54	0.55	0.58
Property & Liability Insurance Claims	0.60	0.68	0.64	0.47	0.59	0.67	0.60	0.62	0.60	0.50	0.48
Other Operating Expenses	3.03	3.01	3.09	3.67	3.40	3.30	3.80	3.59	3.17	3.60	3.22
Amortization Expense	1.02	1.02	1.02	0.90	0.90	0.89	0.86	0.86	0.81	0.71	0.70
Income Tax Expense	3.17	2.84	3.43	3.38	4.55	4.14	3.35	3.79	4.55	4.18	2.75
Basic Earnings per Share	$1.08	$1.00	$1.18	$1.10	$1.30	$1.39	$1.40	$1.39	$1.62	$1.60	$1.83
Weighted Average Basic Shares Outstanding	11.36M	11.36M	11.28M	11.28M	11.28M	11.30M	11.29M	11.20M	11.11M	11.02M	11.01M
Diluted Earnings per Share	$1.07	$0.99	$1.20	$1.10	$1.30	$1.39	$1.39	$1.38	$1.62	$1.60	$1.83
Weighted Average Diluted Shares Outstanding	11.36M	11.36M	11.28M	11.28M	11.28M	11.30M	11.29M	11.20M	11.11M	11.02M	11.01M
Weighted Average Basic & Diluted Shares Outstanding	11.36M	11.36M	11.28M	11.28M	11.28M	11.30M	11.29M	11.20M	11.11M	11.02M	11.01M
Cash Dividends to Common per Share	$0.21	$0.21	$0.21	$0.23	$0.23	$0.23	$0.23	$0.25	$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	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Period end date	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	6/30/2026
Net Change in Cash & Equivalents	5.78	8.23	-4.46	9.07	19	69	-14	-33	6.93	132	-102
Net Cash From Operating Activities	18	26	31	39	40	52	67	62	70	82	81
Net Cash From Continuing Operating Activities	63	26	31	39	40	52	67	62	70	82	81
Net Income / (Loss) Continuing Operations	15	16	21	29	28	47	47	39	50	59	72
Consolidated Net Income / (Loss)	15	16	21	29	28	47	47	39	50	59	72
Provision For Loan Losses	2.49	2.34	3.05	2.03	6.00	-1.02	1.49	17	3.60	6.52	11
Depreciation Expense	2.51	2.98	3.12	3.40	3.78	4.03	4.48	4.92	6.02	6.48	6.51
Amortization Expense	-3.66	0.83	0.76	-0.37	1.66	1.53	1.07	-0.33	-2.10	-1.90	0.10
Non-Cash Adjustments to Reconcile Net Income	0.16	-0.21	-2.45	-1.81	-2.30	-4.54	-0.41	-1.91	0.16	-0.20	-2.37
Changes in Operating Assets and Liabilities, net	1.31	4.13	5.24	6.44	3.61	4.59	14	3.04	12	12	-7.01
Net Cash From Investing Activities	-100	-123	-108	-113	-272	-102	-304	-213	-246	-285	-304
Net Cash From Continuing Investing Activities	167	-123	-108	-113	-272	-102	-304	-213	-246	-285	-304
Purchase of Property, Leasehold Improvements and Equipment	-9.82	-3.03	-2.14	-7.70	-4.30	-2.86	-4.62	-6.04	-9.05	-6.26	-3.96
Purchase of Investment Securities	-42	-33	-52	-34	-313	-114	-389	-148	-101	-108	-88
Sale and/or Maturity of Investments	32	27	47	75	54	77	43	178	92	84	92
Other Investing Activities, net	-81	-112	-99	-138	-	-63	-1.49	-446	-228	-255	-304
Net Cash From Financing Activities	88	106	73	83	251	120	200	119	182	336	121
Net Cash From Continuing Financing Activities	809	76	73	83	251	120	223	119	182	336	121
Net Change in Deposits	66	168	56	143	244	146	242	59	227	338	127
Issuance of Debt	746	1,366	1,519	592	641	110	0.00	1,914	303	260	394
Issuance of Common Equity	0.00	24	-	-	-	-	23	0.00	0.00	0.00	0.00
Repayment of Debt	0.00	-1,432	-1,491	-646	-619	-123	-29	-1,818	-335	-258	-375
Repurchase of Common Equity	-	0.00	0.00	-1.17	-5.77	-8.34	-5.84	0.00	-3.86	0.00	-19
Payment of Dividends	-2.81	-2.98	-3.83	-4.76	-5.51	-5.60	-7.19	-8.63	-9.53	-10	-11
Other Financing Activities, Net	-0.15	-17	-6.77	1.11	-4.31	0.00	0.00	-28	0.39	5.60	5.46
Cash Interest Paid	3.02	3.13	3.02	4.33	3.81	2.65	2.06	5.65	7.71	8.15	7.81
Cash Income Taxes Paid	4.70	3.13	1.59	2.86	2.44	9.24	0.36	4.31	2.30	7.53	9.14

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 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026	Q4 2026
Period end date	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	6/30/2026
Net Change in Cash & Equivalents	128	-48	-107	14	70	81	-34	-69	9.95	-41	-2.07
Net Cash From Operating Activities	17	24	15	9.99	20	24	27	16	21	29	14
Net Cash From Continuing Operating Activities	17	24	15	9.99	20	24	27	16	21	29	14
Net Income / (Loss) Continuing Operations	12	11	14	12	15	16	16	16	18	18	20
Consolidated Net Income / (Loss)	12	11	14	12	15	16	16	16	18	18	20
Provision For Loan Losses	0.90	0.90	0.90	2.16	0.93	0.93	2.50	4.50	1.68	2.08	3.19
Depreciation Expense	1.49	1.53	1.57	1.61	1.61	1.64	1.62	1.64	1.65	1.62	1.60
Amortization Expense	-0.55	-0.45	-0.37	-0.48	-0.45	-0.89	-0.07	-0.22	-0.04	0.19	0.16
Non-Cash Adjustments to Reconcile Net Income	-0.27	0.84	-0.05	-0.04	0.33	-0.20	-0.29	-0.24	-1.44	0.38	-1.06
Changes in Operating Assets and Liabilities, net	3.19	9.77	-0.36	-5.71	3.06	6.93	7.78	-5.03	1.25	6.96	-10
Net Cash From Investing Activities	-39	-59	-73	-101	-118	12	-79	-84	-28	-93	-98
Net Cash From Continuing Investing Activities	-39	-59	-73	-101	-118	12	-79	-84	-28	-93	-98
Purchase of Property, Leasehold Improvements and Equipment	-1.38	-4.31	-1.92	-1.43	-1.98	-1.37	-1.48	-0.90	-1.10	-0.46	-1.51
Purchase of Investment Securities	-31	-44	-7.32	-3.05	-71	-7.99	-270	-7.24	-14	-16	-51
Sale and/or Maturity of Investments	24	27	15	20	17	17	20	19	21	20	33
Other Investing Activities, net	-31	-38	-79	-116	-61	4.36	172	-94	-35	-96	-78
Net Cash From Financing Activities	150	-13	-49	105	168	45	17	-1.14	17	23	82
Net Cash From Continuing Financing Activities	150	-13	-49	105	168	45	17	-1.14	17	23	82
Net Change in Deposits	154	0.62	-43	97	170	51	20	-0.86	28	33	67
Issuance of Debt	-	-	32	260	-	-	-	1.30	-	34	359
Repayment of Debt	-1.01	-11	-32	-255	-0.01	-3.01	-0.01	-3.31	-0.01	-31	-341
Repurchase of Common Equity	-	-	-3.67	0.00	-	-	-	-0.45	-8.06	-9.78	-0.29
Payment of Dividends	-2.38	-2.39	-2.38	-2.59	-2.60	-2.59	-2.60	-2.82	-2.79	-2.78	-2.75
Other Financing Activities, Net	-	-	-	5.60	-	-	-	5.00	-	0.32	0.14
Cash Interest Paid	2.01	1.60	1.72	1.98	2.26	1.74	2.17	1.75	2.12	1.71	2.23
Cash Income Taxes Paid	0.49	0.85	0.42	4.02	0.02	0.85	2.64	6.07	1.35	0.58	1.15

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	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Period end date	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	6/30/2026
Total Assets	1,404	1,708	1,886	2,214	2,542	2,701	3,215	4,360	4,604	5,020	5,236
Cash and Due from Banks	23	31	26	35	54	124	87	54	61	193	91
Interest Bearing Deposits at Other Banks	-	-	-	0.97	0.97	0.98	4.77	1.24	0.49	0.25	0.00
Trading Account Securities	129	144	146	166	177	207	235	418	428	461	451
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	4,049	4,339
Premises and Equipment, Net	47	54	55	63	65	64	71	92	96	96	93
Goodwill	4.56	8.63	13	14	14	14	27	51	51	51	51
Intangible Assets	3.30	6.76	6.92	9.24	7.70	7.13	8.18	30	27	23	20
Other Assets	1,197	1,462	73	80	82	83	95	143	145	147	192
Total Liabilities & Shareholders' Equity	1,404	1,708	1,886	2,214	2,542	2,701	3,215	4,360	4,604	5,020	5,236
Total Liabilities	1,278	1,535	1,685	1,976	2,284	2,417	2,894	3,914	4,116	4,475	4,646
Non-Interest Bearing Deposits	1,121	1,456	1,580	1,894	2,185	2,331	2,815	3,726	3,943	4,281	4,408
Short-Term Debt	27	10	3.27	4.38	-	-	-	-	9.40	15	20
Accrued Interest Payable	0.72	0.92	1.21	2.10	1.65	0.78	0.80	4.72	13	14	12
Long-Term Debt	125	61	95	63	85	73	61	157	125	127	146
Other Long-Term Liabilities	4.48	6.42	6.45	13	12	13	17	27	25	37	60
Commitments & Contingencies	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	126	173	201	238	258	283	321	446	489	545	591
Total Preferred & Common Equity	126	173	201	238	258	283	321	446	489	545	591
Total Common Equity	126	173	201	238	258	283	321	446	489	545	591
Common Stock	0.07	0.09	0.09	0.09	95	96	119	218	220	221	224
Retained Earnings	90	102	120	144	166	200	240	271	311	360	420
Treasury Stock	-	-	0.00	-1.17	-6.94	-15	-21	-21	-25	-25	-44
Accumulated Other Comprehensive Income / (Loss)	36	71	81	96	4.45	2.88	-17	-22	-17	-11	-9.77

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	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Period end date	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	6/30/2026
DEI Shares Outstanding	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	11,015,632.00
DEI Adjusted Shares Outstanding	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	11,015,632.00
DEI Earnings Per Adjusted Shares Outstanding	2.00	2.09	2.33	3.10	3.02	5.28	-	-	-	5.18	6.52
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	0.76%	8.84%	21.86%	14.88%	10.49%	18.80%	10.68%	22.58%	7.44%	11.12%	9.88%
EBITDA Growth	-9.23%	22.58%	32.76%	19.56%	3.95%	61.03%	0.30%	-17.42%	24.01%	17.22%	19.25%
EBIT Growth	3.50%	-2.02%	38.47%	25.13%	-2.42%	70.20%	0.33%	-17.43%	27.59%	17.25%	17.72%
NOPAT Growth	12.12%	1.49%	34.57%	38.11%	-4.70%	71.28%	-0.02%	-16.82%	27.89%	16.73%	22.64%
Net Income Growth	8.63%	4.74%	34.57%	38.11%	-4.70%	71.28%	-0.02%	-16.82%	27.89%	16.73%	22.64%
EPS Growth	10.61%	4.55%	15.46%	31.38%	-4.78%	74.58%	-0.19%	-26.10%	14.81%	17.19%	24.13%
Operating Cash Flow Growth	-11.30%	45.00%	19.62%	25.97%	4.40%	28.44%	30.10%	-7.90%	13.29%	16.07%	-1.27%
Free Cash Flow Firm Growth	-480.71%	309.69%	-167.32%	166.19%	-147.14%	436.60%	-37.45%	-941.78%	121.42%	-117.02%	138.29%
Invested Capital Growth	16.12%	-11.96%	21.97%	2.40%	12.36%	3.69%	7.18%	57.86%	1.87%	10.20%	10.18%
Revenue Q/Q Growth	91.84%	3.56%	42.12%	-14.30%	2.99%	2.42%	4.57%	7.68%	-1.39%	2.67%	2.11%
EBITDA Q/Q Growth	76.95%	17.93%	67.20%	-14.10%	-5.07%	15.21%	-0.51%	4.84%	-3.47%	3.32%	4.58%
EBIT Q/Q Growth	131.91%	-0.03%	54.51%	-13.39%	1.38%	15.04%	-0.88%	6.03%	-3.86%	3.03%	4.67%
NOPAT Q/Q Growth	4.02%	-2.78%	19.40%	35.22%	-21.94%	16.80%	-1.26%	6.73%	-3.89%	4.00%	6.67%
Net Income Q/Q Growth	0.79%	0.20%	21.01%	33.77%	-21.94%	16.80%	-1.26%	6.73%	-3.89%	4.00%	6.67%
EPS Q/Q Growth	1.02%	-37.46%	0.00%	6.08%	-1.97%	17.83%	-2.62%	-1.79%	-2.86%	3.81%	7.35%
Operating Cash Flow Q/Q Growth	-4.35%	16.92%	261.74%	25.93%	-39.80%	16.23%	3.55%	1.95%	-9.57%	17.42%	-14.22%
Free Cash Flow Firm Q/Q Growth	-160.97%	228.19%	1.00%	-92.51%	-129.13%	111.12%	185.19%	-136.42%	181.36%	49.59%	-88.42%
Invested Capital Q/Q Growth	28.00%	12.12%	10.97%	104,423.60%	87,680.45%	1.50%	-2.39%	19.40%	1.52%	2.37%	4.86%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	35.55%	40.04%	43.62%	45.40%	42.71%	57.89%	52.46%	35.34%	40.79%	43.03%	46.70%
EBIT Margin	37.58%	33.83%	38.44%	41.86%	36.97%	52.96%	48.01%	32.34%	38.41%	40.52%	43.41%
Profit (Net Income) Margin	26.35%	25.35%	28.00%	33.66%	29.03%	41.85%	37.80%	25.65%	30.54%	32.08%	35.80%
Tax Burden Percent	68.96%	71.95%	72.84%	80.40%	80.00%	79.02%	78.74%	79.33%	79.52%	79.17%	82.48%
Interest Burden Percent	101.66%	104.16%	100.00%	100.00%	98.15%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	28.82%	28.05%	27.16%	19.60%	20.00%	20.98%	21.26%	20.67%	20.48%	20.83%	17.53%
Return on Invested Capital (ROIC)	5.92%	5.95%	7.70%	9.57%	8.49%	13.49%	12.78%	7.97%	8.25%	8.94%	9.95%
ROIC Less NNEP Spread (ROIC-NNEP)	5.56%	5.95%	7.70%	9.57%	8.49%	13.49%	12.78%	7.97%	8.25%	8.94%	9.95%
Return on Net Nonoperating Assets (RNNOA)	5.56%	4.45%	3.49%	3.60%	2.60%	3.93%	2.83%	2.26%	2.49%	2.40%	2.70%
Return on Equity (ROE)	11.48%	10.40%	11.20%	13.17%	11.09%	17.42%	15.61%	10.23%	10.74%	11.34%	12.65%
Cash Return on Invested Capital (CROIC)	-8.99%	18.67%	-12.09%	7.20%	-3.16%	9.86%	5.85%	-36.90%	6.40%	-0.77%	0.27%
Operating Return on Assets (OROA)	1.57%	1.33%	1.60%	1.75%	1.48%	2.28%	2.03%	1.31%	1.41%	1.54%	1.70%
Return on Assets (ROA)	1.10%	1.00%	1.16%	1.41%	1.16%	1.80%	1.59%	1.04%	1.12%	1.22%	1.40%
Return on Common Equity (ROCE)	10.59%	10.40%	11.20%	13.17%	11.09%	17.42%	15.61%	10.23%	10.74%	11.34%	12.65%
Return on Equity Simple (ROE_SIMPLE)	11.79%	8.99%	10.43%	12.12%	10.66%	16.65%	14.70%	8.80%	10.27%	10.75%	12.16%
Net Operating Profit after Tax (NOPAT)	15	16	21	29	28	47	47	39	50	59	72
NOPAT Margin	27.19%	25.35%	28.00%	33.66%	29.03%	41.85%	37.80%	25.65%	30.54%	32.08%	35.80%
Net Nonoperating Expense Percent (NNEP)	0.37%	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	45.84%	47.16%	45.24%	43.87%	45.34%	39.73%	41.96%	44.23%	47.92%	44.93%	41.48%
Operating Expenses to Revenue	58.00%	62.36%	57.49%	55.77%	56.70%	47.94%	50.80%	56.51%	59.40%	55.91%	50.88%
Earnings before Interest and Taxes (EBIT)	21	21	29	36	35	60	60	49	63	74	87
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	20	25	33	39	41	65	65	54	67	79	94
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.21	1.22	1.56	1.23	0.79	1.34	1.26	0.95	1.04	1.13	1.42
Price to Tangible Book Value (P/TBV)	1.29	1.34	1.73	1.37	0.87	1.44	1.41	1.17	1.24	1.31	1.61
Price to Revenue (P/Rev)	2.70	3.45	4.19	3.43	2.16	3.36	3.23	2.78	3.10	3.37	4.17
Price to Earnings (P/E)	10.30	12.47	14.96	10.18	7.27	8.02	8.55	10.84	10.14	10.52	11.65
Dividend Yield	1.76%	1.41%	1.26%	1.65%	2.67%	1.46%	1.85%	2.24%	1.87%	1.69%	1.32%
Earnings Yield	9.71%	8.02%	6.68%	9.83%	13.76%	12.46%	11.69%	9.23%	9.86%	9.51%	8.59%
Enterprise Value to Invested Capital (EV/IC)	1.02	1.04	1.30	1.06	0.68	0.92	0.98	0.87	0.93	0.82	1.20
Enterprise Value to Revenue (EV/Rev)	5.01	4.13	5.17	3.79	2.48	2.90	2.99	3.44	3.48	3.10	4.54
Enterprise Value to EBITDA (EV/EBITDA)	14.09	10.32	11.86	8.34	5.80	5.01	5.70	9.74	8.54	7.19	9.73
Enterprise Value to EBIT (EV/EBIT)	13.33	12.21	13.46	9.04	6.70	5.47	6.23	10.65	9.07	7.64	10.47
Enterprise Value to NOPAT (EV/NOPAT)	18.42	16.30	18.47	11.25	8.53	6.93	7.91	13.42	11.41	9.65	12.69
Enterprise Value to Operating Cash Flow (EV/OCF)	15.98	9.89	12.62	8.42	5.83	6.31	5.54	8.49	8.15	6.93	11.32
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	5.19	0.00	14.95	0.00	9.47	17.28	0.00	14.72	0.00	474.15
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.21	0.41	0.49	0.28	0.33	0.26	0.19	0.35	0.26	0.26	0.28
Long-Term Debt to Equity	0.99	0.36	0.47	0.26	0.33	0.26	0.19	0.35	0.26	0.23	0.25
Financial Leverage	1.00	0.75	0.45	0.38	0.31	0.29	0.22	0.28	0.30	0.27	0.27
Leverage Ratio	10.46	10.41	9.61	9.34	9.58	9.68	9.79	9.88	9.59	9.31	9.03
Compound Leverage Factor	10.63	10.84	9.61	9.34	9.40	9.68	9.79	9.88	9.59	9.31	9.03
Debt to Total Capital	54.69%	29.29%	32.78%	22.02%	24.79%	20.43%	15.98%	25.99%	20.39%	20.71%	21.96%
Short-Term Debt to Total Capital	9.74%	4.17%	1.09%	1.43%	0.00%	0.00%	0.00%	0.00%	0.00%	2.18%	2.64%
Long-Term Debt to Total Capital	44.95%	25.12%	31.68%	20.59%	24.79%	20.43%	15.98%	25.99%	20.39%	18.53%	19.32%
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	45.31%	70.71%	67.22%	77.98%	75.21%	79.57%	84.02%	74.01%	79.61%	79.29%	78.04%
Debt to EBITDA	7.59	2.92	3.00	1.73	2.10	1.12	0.93	2.90	1.87	1.81	1.77
Net Debt to EBITDA	6.50	1.70	2.25	0.79	0.74	-0.79	-0.47	1.88	0.95	-0.65	0.80
Long-Term Debt to EBITDA	6.24	2.50	2.90	1.61	2.10	1.12	0.93	2.90	1.87	1.62	1.56
Debt to NOPAT	9.92	4.61	4.68	2.33	3.09	1.54	1.29	3.99	2.50	2.43	2.31
Net Debt to NOPAT	8.50	2.68	3.51	1.07	1.09	-1.10	-0.65	2.58	1.27	-0.87	1.05
Long-Term Debt to NOPAT	8.16	3.95	4.52	2.18	3.09	1.54	1.29	3.99	2.50	2.17	2.04
Noncontrolling Interest Sharing Ratio	7.73%	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)	-23	49	-33	22	-10	34	22	-182	39	-5.02	1.92
Operating Cash Flow to CapEx	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%	2,033.92%
Free Cash Flow to Firm to Interest Expense	-2.48	4.71	-2.22	0.88	-0.38	2.05	1.62	-3.66	0.36	-0.04	0.02
Operating Cash Flow to Interest Expense	1.89	2.47	2.07	1.56	1.50	3.08	5.06	1.25	0.65	0.66	0.69
Operating Cash Flow Less CapEx to Interest Expense	0.84	2.18	1.93	1.25	1.34	2.91	4.72	1.13	0.56	0.61	0.66
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	1.30	1.21	1.37	1.46	1.48	1.75	1.84	1.87	1.74	1.90	2.12
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	278	245	299	306	344	356	382	603	614	687	757
Invested Capital Turnover	0.22	0.23	0.28	0.28	0.29	0.32	0.34	0.31	0.27	0.28	0.28
Increase / (Decrease) in Invested Capital	39	-33	54	7.16	38	13	26	221	11	64	70
Enterprise Value (EV)	282	253	387	325	235	327	373	527	573	565	912
Market Capitalization	152	212	313	294	205	379	404	425	509	616	837
Book Value per Share	$16.94	$23.23	$22.32	$25.57	$28.30	$31.72	$34.46	$39.37	$43.04	$48.20	$53.62
Tangible Book Value per Share	$15.88	$21.17	$20.09	$23.06	$25.91	$29.35	$30.65	$32.20	$36.24	$41.68	$47.21
Total Capital	278	245	299	306	344	356	382	603	614	687	757
Total Debt	152	72	98	67	85	73	61	157	125	142	166
Total Long-Term Debt	125	61	95	63	85	73	61	157	125	127	146
Net Debt	130	42	73	31	30	-52	-31	101	64	-51	75
Capital Expenditures (CapEx)	9.80	3.03	2.14	7.70	4.30	2.86	4.62	6.04	9.05	6.26	3.96
Net Nonoperating Expense (NNE)	0.48	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	152	72	98	67	85	73	61	157	125	142	166
Total Depreciation and Amortization (D&A)	-1.14	3.81	3.88	3.03	5.45	5.56	5.55	4.60	3.93	4.59	6.61
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.99	$2.08	$2.40	$3.14	$3.00	$5.22	$0.00	$3.86	$4.42	$5.19	$6.44
Adjusted Weighted Average Basic Shares Outstanding	7.44M	8.59M	9.00M	9.20M	9.13M	8.89M	0.00	11.34M	11.28M	11.29M	11.01M
Adjusted Diluted Earnings per Share	$1.98	$2.07	$2.39	$3.14	$2.99	$5.22	$0.00	$3.85	$4.42	$5.18	$6.43
Adjusted Weighted Average Diluted Shares Outstanding	7.44M	8.59M	9.00M	9.20M	9.13M	8.89M	0.00	11.34M	11.28M	11.29M	11.01M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$3.14	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	7.44M	8.59M	9.00M	9.20M	9.13M	8.89M	0.00	11.34M	11.28M	11.29M	11.01M
Normalized Net Operating Profit after Tax (NOPAT)	15	16	21	29	28	47	47	39	50	59	72
Normalized NOPAT Margin	27.19%	25.35%	28.00%	33.66%	29.03%	41.85%	37.80%	25.65%	30.54%	32.08%	35.80%
Pre Tax Income Margin	38.20%	35.24%	38.44%	41.86%	36.29%	52.96%	48.01%	32.34%	38.41%	40.52%	43.41%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	2.26	2.00	1.94	1.46	1.30	3.56	4.50	1.00	0.58	0.60	0.75
NOPAT to Interest Expense	1.64	1.50	1.42	1.17	1.02	2.81	3.55	0.79	0.46	0.48	0.62
EBIT Less CapEx to Interest Expense	1.21	1.71	1.80	1.14	1.14	3.39	4.16	0.87	0.50	0.55	0.72
NOPAT Less CapEx to Interest Expense	0.59	1.21	1.27	0.86	0.86	2.64	3.20	0.67	0.38	0.43	0.58
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	18.93%	19.17%	18.29%	16.48%	20.01%	11.87%	15.25%	22.00%	18.98%	17.72%	15.50%
Augmented Payout Ratio	18.93%	19.17%	18.29%	20.51%	40.97%	29.54%	27.63%	22.00%	26.67%	17.72%	41.36%

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

Metric	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026	Q4 2026
Period end date	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	6/30/2026
DEI Shares Outstanding	-	-	-	-	-	11,277,167.00	11,299,962.00	11,290,667.00	11,202,189.00	11,108,279.00	11,015,632.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	11,277,167.00	11,299,962.00	11,290,667.00	11,202,189.00	11,108,279.00	11,015,632.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	1.39	1.40	1.39	1.62	1.60	1.84
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	19.04%	0.10%	-5.11%	6.27%	12.17%	15.09%	11.08%	11.76%	-	8.89%	8.72%
EBITDA Growth	0.30%	295.61%	-11.72%	-2.27%	24.91%	35.17%	13.91%	23.01%	-	15.43%	19.86%
EBIT Growth	2.91%	373.52%	-13.01%	-4.83%	24.95%	40.14%	12.82%	22.77%	-	10.70%	20.32%
NOPAT Growth	4.54%	369.36%	-13.05%	-5.27%	20.18%	38.70%	16.65%	25.62%	-	13.25%	28.47%
Net Income Growth	4.54%	369.36%	-13.05%	-5.27%	20.18%	38.70%	16.65%	25.62%	-	13.25%	28.47%
EPS Growth	-15.08%	350.00%	-9.77%	-5.17%	21.50%	40.40%	15.83%	25.45%	-	15.11%	31.65%
Operating Cash Flow Growth	-21.16%	121.08%	-32.82%	-29.66%	18.81%	0.89%	79.51%	63.13%	-	20.30%	-48.85%
Free Cash Flow Firm Growth	-205.68%	20.21%	101.10%	-1,259.84%	78.78%	42.96%	-569.32%	17.71%	-	34.84%	-3.81%
Invested Capital Growth	43.84%	19.82%	1.87%	10.12%	8.46%	10.96%	10.20%	8.39%	-	7.56%	10.18%
Revenue Q/Q Growth	-2.72%	-0.08%	6.90%	2.27%	2.68%	2.53%	3.18%	2.90%	-	1.21%	3.02%
EBITDA Q/Q Growth	-6.07%	-6.61%	19.29%	-6.61%	20.06%	1.06%	0.52%	0.86%	-	-2.27%	4.37%
EBIT Q/Q Growth	-7.65%	-7.95%	19.92%	-6.64%	21.25%	3.24%	-3.46%	1.58%	-	-3.32%	4.94%
NOPAT Q/Q Growth	-7.28%	-7.27%	19.67%	-7.93%	17.62%	7.03%	0.64%	-0.85%	-	-2.14%	14.17%
Net Income Q/Q Growth	-7.28%	-7.27%	19.67%	-7.93%	17.62%	7.03%	0.64%	-0.85%	-	-2.14%	14.17%
EPS Q/Q Growth	-7.76%	-7.48%	21.21%	-8.33%	18.18%	6.92%	0.00%	-0.72%	-	-1.23%	14.38%
Operating Cash Flow Q/Q Growth	19.32%	40.96%	-36.29%	-34.35%	101.54%	19.69%	13.35%	-40.34%	-	36.46%	-51.81%
Free Cash Flow Firm Q/Q Growth	-4,858.55%	48.60%	102.54%	-2,200.09%	22.63%	-38.18%	5.51%	18.53%	-	10.55%	-50.54%
Invested Capital Q/Q Growth	2.58%	-0.26%	1.52%	6.01%	1.04%	2.04%	2.37%	2.70%	-	1.28%	4.86%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	40.62%	37.97%	42.37%	38.69%	45.24%	44.59%	43.44%	42.58%	-	47.27%	47.89%
EBIT Margin	38.29%	35.28%	39.57%	36.12%	42.66%	42.96%	40.19%	39.68%	-	43.67%	44.48%
Profit (Net Income) Margin	30.39%	28.20%	31.57%	28.42%	32.56%	33.99%	33.15%	31.94%	-	35.35%	39.17%
Tax Burden Percent	79.35%	79.94%	79.77%	78.67%	76.32%	79.12%	82.48%	80.50%	-	80.95%	88.07%
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	20.65%	20.06%	20.23%	21.33%	23.68%	20.88%	17.52%	19.50%	-	19.05%	11.93%
Return on Invested Capital (ROIC)	9.85%	8.47%	8.53%	7.64%	8.85%	9.48%	9.24%	8.84%	-	9.97%	10.89%
ROIC Less NNEP Spread (ROIC-NNEP)	9.85%	8.47%	8.53%	7.64%	8.85%	9.48%	9.24%	8.84%	-	9.97%	10.89%
Return on Net Nonoperating Assets (RNNOA)	2.69%	1.79%	2.57%	2.25%	2.53%	2.51%	2.48%	2.41%	-	2.63%	2.96%
Return on Equity (ROE)	12.54%	10.26%	11.10%	9.89%	11.38%	11.99%	11.72%	11.25%	-	12.60%	13.85%
Cash Return on Invested Capital (CROIC)	-27.53%	-8.62%	6.40%	-1.66%	0.11%	-1.56%	-0.77%	1.06%	-	2.39%	0.27%
Operating Return on Assets (OROA)	1.58%	1.32%	1.45%	1.31%	1.53%	1.59%	1.53%	1.53%	-	1.70%	1.74%
Return on Assets (ROA)	1.25%	1.05%	1.16%	1.03%	1.17%	1.26%	1.26%	1.23%	-	1.37%	1.53%
Return on Common Equity (ROCE)	12.54%	10.26%	11.10%	9.89%	11.38%	11.99%	11.72%	11.25%	-	12.60%	13.85%
Return on Equity Simple (ROE_SIMPLE)	9.21%	10.89%	0.00%	9.79%	10.14%	10.65%	0.00%	11.03%	-	11.74%	0.00%
Net Operating Profit after Tax (NOPAT)	12	11	14	12	15	16	16	16	-	18	20
NOPAT Margin	30.39%	28.20%	31.57%	28.42%	32.56%	33.99%	33.15%	31.94%	-	35.35%	39.17%
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	47.88%	50.74%	47.25%	47.46%	44.41%	44.49%	43.52%	40.78%	-	42.63%	40.85%
Operating Expenses to Revenue	59.46%	62.48%	58.33%	58.95%	55.27%	55.02%	54.56%	51.13%	-	52.19%	49.35%
Earnings before Interest and Taxes (EBIT)	15	14	17	16	19	20	19	19	-	22	23
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	16	15	18	17	20	21	21	21	-	24	25
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.26	1.03	1.04	1.26	1.26	1.11	1.13	1.06	-	1.24	1.42
Price to Tangible Book Value (P/TBV)	1.52	1.22	1.24	1.48	1.48	1.29	1.31	1.22	-	1.41	1.61
Price to Revenue (P/Rev)	3.57	2.95	3.10	3.82	3.77	3.30	3.37	3.16	-	3.61	4.17
Price to Earnings (P/E)	13.72	9.42	10.14	12.87	12.45	10.42	10.52	9.61	-	10.55	11.65
Dividend Yield	1.60%	1.94%	1.87%	1.52%	1.53%	1.73%	1.69%	1.79%	-	1.53%	1.32%
Earnings Yield	7.29%	10.62%	9.86%	7.77%	8.03%	9.60%	9.51%	10.41%	-	9.48%	8.59%
Enterprise Value to Invested Capital (EV/IC)	0.85	0.74	0.93	1.09	0.98	0.75	0.82	0.87	-	1.06	1.20
Enterprise Value to Revenue (EV/Rev)	3.08	2.69	3.48	4.23	3.76	2.82	3.10	3.27	-	3.89	4.54
Enterprise Value to EBITDA (EV/EBITDA)	8.84	6.45	8.54	10.61	9.14	6.60	7.19	7.45	-	8.54	9.73
Enterprise Value to EBIT (EV/EBIT)	9.42	6.83	9.07	11.34	9.77	6.99	7.64	7.92	-	9.20	10.47
Enterprise Value to NOPAT (EV/NOPAT)	11.86	8.58	11.41	14.28	12.44	8.91	9.65	9.95	-	11.36	12.69
Enterprise Value to Operating Cash Flow (EV/OCF)	7.95	5.77	8.15	10.70	9.33	7.22	6.93	6.99	-	8.15	11.32
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	14.72	0.00	958.67	0.00	0.00	85.73	-	46.07	474.15
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.29	0.26	0.26	0.29	0.28	0.27	0.26	0.26	-	0.26	0.28
Long-Term Debt to Equity	0.29	0.26	0.26	0.26	0.25	0.24	0.23	0.22	-	0.22	0.25
Financial Leverage	0.27	0.21	0.30	0.29	0.29	0.27	0.27	0.27	-	0.26	0.27
Leverage Ratio	10.03	9.76	9.59	9.59	9.72	9.54	9.31	9.16	-	9.18	9.03
Compound Leverage Factor	10.03	9.76	9.59	9.59	9.72	9.54	9.31	9.16	-	9.18	9.03
Debt to Total Capital	22.46%	20.70%	20.39%	22.31%	22.09%	21.20%	20.71%	20.59%	-	20.54%	21.96%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	2.30%	2.28%	2.24%	2.18%	2.84%	-	2.77%	2.64%
Long-Term Debt to Total Capital	22.46%	20.70%	20.39%	20.01%	19.81%	18.97%	18.53%	17.75%	-	17.77%	19.32%
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	77.54%	79.30%	79.61%	77.69%	77.91%	78.80%	79.29%	79.41%	-	79.46%	78.04%
Debt to EBITDA	2.34	1.80	1.87	2.18	2.05	1.87	1.81	1.76	-	1.65	1.77
Net Debt to EBITDA	-1.39	-0.63	0.95	1.05	-0.01	-1.12	-0.65	0.25	-	0.61	0.80
Long-Term Debt to EBITDA	2.34	1.80	1.87	1.95	1.84	1.67	1.62	1.52	-	1.43	1.56
Debt to NOPAT	3.14	2.40	2.50	2.93	2.80	2.53	2.43	2.35	-	2.20	2.31
Net Debt to NOPAT	-1.87	-0.83	1.27	1.41	-0.02	-1.51	-0.87	0.34	-	0.82	1.05
Long-Term Debt to NOPAT	3.14	2.40	2.50	2.63	2.51	2.26	2.17	2.03	-	1.90	2.04
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)	-173	-89	2.25	-47	-37	-51	-48	-39	-	-33	-50
Operating Cash Flow to CapEx	1,224.71%	553.82%	791.94%	698.25%	1,015.02%	1,756.85%	1,851.15%	1,809.10%	-	6,359.21%	928.57%
Free Cash Flow to Firm to Interest Expense	-6.37	-3.01	0.08	-1.54	-1.17	-1.66	-1.58	-1.27	-	-1.19	-1.75
Operating Cash Flow to Interest Expense	0.63	0.81	0.51	0.33	0.64	0.79	0.90	0.53	-	1.04	0.49
Operating Cash Flow Less CapEx to Interest Expense	0.57	0.66	0.45	0.28	0.58	0.75	0.85	0.50	-	1.03	0.44
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	2.06	1.77	1.74	1.75	1.80	1.85	1.90	1.96	-	2.08	2.12
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	606	605	614	651	658	671	687	705	-	722	757
Invested Capital Turnover	0.32	0.30	0.27	0.27	0.27	0.28	0.28	0.28	-	0.28	0.28
Increase / (Decrease) in Invested Capital	185	100	11	60	51	66	64	55	-	51	70
Enterprise Value (EV)	514	448	573	707	646	502	565	614	-	765	912
Market Capitalization	594	492	509	637	647	587	616	593	-	710	837
Book Value per Share	$41.48	$42.23	$43.04	$44.83	$45.43	$46.89	$48.20	$49.62	-	$51.63	$53.62
Tangible Book Value per Share	$34.50	$35.36	$36.24	$38.07	$38.75	$40.27	$41.68	$43.16	-	$45.21	$47.21
Total Capital	606	605	614	651	658	671	687	705	-	722	757
Total Debt	136	125	125	145	145	142	142	145	-	148	166
Total Long-Term Debt	136	125	125	130	130	127	127	125	-	128	146
Net Debt	-81	-44	64	70	-0.83	-85	-51	21	-	55	75
Capital Expenditures (CapEx)	1.38	4.31	1.92	1.43	1.98	1.37	1.48	0.90	-	0.46	1.51
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)	136	125	125	145	145	142	142	145	-	148	166
Total Depreciation and Amortization (D&A)	0.93	1.08	1.20	1.12	1.16	0.76	1.55	1.42	-	1.81	1.77
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.08	$1.00	$1.18	$1.10	$1.30	$1.39	$1.40	$1.39	$1.62	$1.60	$1.83
Adjusted Weighted Average Basic Shares Outstanding	11.36M	11.36M	11.28M	11.28M	11.28M	11.30M	11.29M	11.20M	11.11M	11.02M	11.01M
Adjusted Diluted Earnings per Share	$1.07	$0.99	$1.20	$1.10	$1.30	$1.39	$1.39	$1.38	$1.62	$1.60	$1.83
Adjusted Weighted Average Diluted Shares Outstanding	11.36M	11.36M	11.28M	11.28M	11.28M	11.30M	11.29M	11.20M	11.11M	11.02M	11.01M
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	11.36M	11.36M	11.28M	11.28M	11.28M	11.30M	11.29M	11.20M	11.11M	11.02M	11.01M
Normalized Net Operating Profit after Tax (NOPAT)	12	11	14	12	15	16	16	16	-	18	20
Normalized NOPAT Margin	30.39%	28.20%	31.57%	28.42%	32.56%	33.99%	33.15%	31.94%	-	35.35%	39.17%
Pre Tax Income Margin	38.29%	35.28%	39.57%	36.12%	42.66%	42.96%	40.19%	39.68%	-	43.67%	44.48%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.57	0.48	0.57	0.52	0.61	0.65	0.63	0.64	-	0.79	0.81
NOPAT to Interest Expense	0.45	0.38	0.46	0.41	0.47	0.52	0.52	0.51	-	0.64	0.72
EBIT Less CapEx to Interest Expense	0.52	0.33	0.51	0.47	0.55	0.61	0.58	0.61	-	0.77	0.76
NOPAT Less CapEx to Interest Expense	0.40	0.24	0.39	0.36	0.41	0.47	0.47	0.48	-	0.62	0.66
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	21.97%	18.24%	18.98%	19.68%	19.16%	18.05%	17.72%	17.17%	-	16.31%	15.50%
Augmented Payout Ratio	21.97%	18.60%	26.67%	19.68%	19.16%	24.56%	17.72%	17.89%	-	43.46%	41.36%

Financials Breakdown Chart

Key Financial Trends

Southern Missouri Bancorp’s financial results show a broad improvement in earnings power over the reported period. Quarterly revenue increased from approximately $30.0 million in Q3 2022 to $51.8 million in Q4 2026, while net income rose from $9.4 million to $20.3 million. The latest quarter also produced record-level basic and diluted EPS of $1.83, up from $1.03 in Q3 2022.

The primary earnings driver has been net interest income. It increased from $25.1 million in Q3 2022 to $44.4 million in Q4 2026 as loan interest income expanded substantially. Non-interest income has also remained meaningful, generally ranging from $6 million to $7 million per quarter in the most recent periods. However, rising interest expense—particularly the cost of deposits—has limited some of the benefit from higher interest income.

Strong earnings growth: Net income increased to $20.3 million in Q4 2026 from $15.6 million in Q4 2025 and $9.4 million in Q3 2022.
Higher net interest income: Net interest income reached $44.4 million in Q4 2026, compared with $40.3 million in Q4 2025 and $25.1 million in Q3 2022.
Improving earnings per share: EPS rose to $1.83 in the latest quarter from $1.39 in Q4 2025 and $1.03 in Q3 2022.
Shareholder returns have improved: The quarterly dividend increased to $0.25 per share in fiscal 2026 from $0.23 in fiscal 2025 and $0.20 in fiscal 2022. Share repurchases also helped reduce weighted-average shares to 11.0 million in Q4 2026 from 11.3 million in Q4 2025.
Expanded balance sheet: Total assets increased to $5.14 billion as of March 31, 2026, from $4.73 billion as of September 30, 2023. Total equity also grew to $573.5 million from $326.4 million over the comparable period.
Consistently positive operating cash flow: Operating cash flow was positive in every reported quarter, reaching $14.0 million in Q4 2026 and $28.998 million in Q3 2026.
Credit provisions remain elevated but have moderated: The provision for credit losses peaked at $10.1 million in Q3 2023, fell to $4.5 million in Q1 2026, and stood at $3.2 million in Q4 2026. This is a manageable improvement, but provisions remain above the $0.8 million to $0.9 million levels seen in earlier periods.
Funding growth supports expansion: Deposits increased in most recent quarters, including a $66.95 million increase in Q4 2026. The company has also used debt issuance and repayments actively to manage liquidity and fund balance-sheet needs.
Deposit costs remain a pressure: Deposit interest expense was $26.4 million in Q4 2026, more than double the $13.7 million reported in Q3 2023. Although it declined modestly from $29.0 million in Q1 2026, elevated funding costs continue to constrain margins.
Investing cash flow is persistently negative: Net cash used in investing activities was $98.0 million in Q4 2026 and $93.4 million in Q3 2026. Large investment-security purchases and other investing outflows make the company reliant on deposits, borrowings and securities maturities to support liquidity.

Operating expenses have been relatively stable compared with the company’s revenue growth. Total non-interest expense was $25.5 million in Q4 2026, broadly similar to the $25.0 million reported in Q4 2025, even as revenue increased. This indicates some operating leverage, although salaries, occupancy costs and other operating expenses remain significant components of the expense base.

The balance sheet has expanded, but the reported data should be interpreted carefully. Cash and due from banks declined to $93.0 million as of March 31, 2026, from $134.1 million at December 31, 2025, while total liabilities reached $4.57 billion. The statements also show unusually large “other assets” balances and a zero value for net loans and leases alongside substantial loans held for sale, suggesting that the standardized classifications may not present the company’s loan portfolio in the most intuitive format.

Overall, SMBC’s trend is favorable: earnings, net interest income, EPS, assets and equity have all grown over the multi-year period. The main issues for investors to monitor are deposit pricing, credit-loss provisions, liquidity consumed by investing activity and the company’s continued use of debt and deposit funding to support growth.

09/13/26 06:56 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 fiscal year ends in June. Their fiscal year 2026 ended on June 30, 2026.

Southern Missouri Bancorp's net income appears to be on an upward trend, with a most recent value of $71.84 million in 2026, rising from $14.85 million in 2016. The previous period was $58.58 million in 2025. Check out Southern Missouri Bancorp's forecast to explore projected trends and price targets.

Over the last 10 years, Southern Missouri Bancorp's total revenue changed from $56.36 million in 2016 to $200.65 million in 2026, a change of 256.0%.

Southern Missouri Bancorp's total liabilities were at $4.65 billion at the end of 2026, a 3.8% increase from 2025, and a 263.5% increase since 2016.

In the past 10 years, Southern Missouri Bancorp's cash and equivalents has ranged from $22.55 million in 2016 to $192.86 million in 2025, and is currently $90.97 million as of their latest financial filing in 2026.

Over the last 10 years, Southern Missouri Bancorp's book value per share changed from 16.94 in 2016 to 53.62 in 2026, a change of 216.6%.

Related Companies

Financial statements for NASDAQ:SMBC last updated on 9/11/2026 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

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Southern Missouri Bancorp Financials - Frequently Asked Questions

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