SOUTHERN MISSOURI BANCORP, INC. SMBC

Financials SIC 6036 - Savings Institutions, Not Federally Chartered NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Savings Institutions and Other Depository Credit Intermediation derived Nasdaq

Southern Missouri Bancorp, Inc. ("Company") is a bank holding company and the parent company of Southern Bank ("Bank"). The Company changed its state of incorporation to Missouri on April 1, 1999, after originally incorporating in Delaware on December 30, 1993, for the purpose of becoming the holding company for the Bank, which was known as Southern Missouri Savings Bank upon completion of its conversion from a state chartered mutual savings and loan association to a state chartered stock savings bank. The Company's common stock is quoted on the NASDAQ Global Market under the symbol "SMBC".

The Bank was originally chartered by the state of Missouri as a mutual savings and loan association in 1887. On June 4, 2004, Southern Missouri Bank & Trust Co. converted from a Missouri chartered stock savings bank to a Missouri chartered trust company with banking powers ("Charter Conversion"). On June 1, 2009, the institution changed its name to Southern Bank.

Last close 71.90 2026-10-23
Market cap $792.0M 2026-03-31 share count
52-week range 51.46 - 79.86

Valuation FY2025 figures against the last close

P/S2.9x
P/E13.9x
P/FCF10.5x
EV/EBITDA—
Dividend yield1.3%
Diluted EPS5.18

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $277.4M$248.4M$176.4M$116.9M$109.5M$107.1M$97.5M$77.2M$61.5M$56.3M
Interest expense $154.6M$139.5M$126.7M$103.6M$16.8M$26.9M$24.7M$14.8M$10.4M$9.4M
Pre-tax income $74.0M$63.1M$49.5M$59.9M$59.7M$34.4M$36.0M$28.7M$21.6M$21.1M
Income tax $15.4M$12.9M$10.2M$12.7M$12.5M$6.9M$7.0M$7.8M$6.1M$6.2M
Net income $58.6M$50.2M$39.2M$47.2M$47.2M$27.5M$28.9M$20.9M$15.6M$14.8M
EPS, basic 5.194.423.865.225.223.003.142.402.081.99
EPS, diluted 5.184.423.855.215.222.993.142.392.071.98
Shares, diluted (wtd. avg.) 11.2M11.3M10.1M9.0M9.0M9.2M9.2M8.7M7.5M7.4M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $192.9M$60.9M$54.0M$86.8M$123.6M$54.2M$35.4M$26.3M$30.8M$22.6M
Property, plant and equipment $96.0M$96.0M$92.4M$71.3M$64.1M$65.1M$62.7M$54.8M$54.2M$46.9M
Goodwill $50.7M$50.7M$50.8M$27.3M$14.1M$14.1M$14.1M$13.1M$8.6M$4.6M
Total assets $5.02B$4.60B$4.36B$3.21B$2.70B$2.54B$2.21B$1.89B$1.71B$1.40B
Total current liabilities —————$2.28B$1.98B$1.69B——
Total liabilities $4.47B$4.12B$3.91B$2.89B$2.42B$2.28B—$1.69B$1.53B$1.28B
Total equity $544.7M$488.7M$446.1M$320.8M$283.4M$258.3M$238.4M$200.7M$173.1M$126.0M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $81.6M$70.3M$62.0M$67.3M$51.8M$40.3M$38.6M$30.6M$25.6M$17.7M
Depreciation and amortisation ——$4.9M$4.5M$4.0M$3.8M$3.4M$3.1M$3.0M$2.5M
Capital expenditure $6.3M$9.0M$6.0M$4.6M$2.9M$4.3M$7.7M$2.1M$3.0M$9.8M
Investing cash flow -$285.1M-$245.7M-$213.4M-$303.9M-$101.9M-$272.4M-$113.0M-$108.5M-$123.1M-$100.3M
Financing cash flow $335.5M$182.4M$118.6M$199.8M$119.5M$250.9M$83.5M$73.4M$105.7M$88.4M
Dividends paid $10.4M$9.5M$8.6M$7.2M$5.6M$5.5M$4.8M$3.8M——
Buybacks —$3.9M—$5.8M$8.3M$5.8M$1.2M———

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001558370-25-012001.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 100M 200M 300M Revenue, FY2016: 56.3M Net income, FY2016: 14.8M Revenue, FY2017: 61.5M Net income, FY2017: 15.6M Revenue, FY2018: 77.2M Net income, FY2018: 20.9M Revenue, FY2019: 97.5M Net income, FY2019: 28.9M Revenue, FY2020: 107.1M Net income, FY2020: 27.5M Revenue, FY2021: 109.5M Net income, FY2021: 47.2M Revenue, FY2022: 116.9M Net income, FY2022: 47.2M Revenue, FY2023: 176.4M Net income, FY2023: 39.2M Revenue, FY2024: 248.4M Net income, FY2024: 50.2M Revenue, FY2025: 277.4M Net income, FY2025: 58.6M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $56.3M $61.5M $77.2M $97.5M $107.1M $109.5M $116.9M $176.4M $248.4M $277.4M
Gross profit — — — — — — — — — —
Net income $14.8M $15.6M $20.9M $28.9M $27.5M $47.2M $47.2M $39.2M $50.2M $58.6M

Recent filings and events

  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Regulation FD disclosure Item 7.01
  • Results announced Item 2.02
  • Other event Item 8.01
  • Regulation FD disclosure Item 7.01
  • Results announced Item 2.02
  • Other event Item 8.01
  • Charter or fiscal year changed A change to the company's governing documents, or to when its year ends. Item 5.03
  • Regulation FD disclosure Item 7.01
  • Results announced Item 2.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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