NASDAQ : SMBC
Southern Missouri Bancorp, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 71.84 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 789.85M
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Financial statements
Income statement
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 268.92M | 265.21M | 250.85M | 222.51M | 162.22M | 111.50M |
| Interest Income on Investments | 22.86M | 23.78M | 26.52M | 25.86M | 14.19M | 5.37M |
| Total Interest Income | 291.78M | 288.99M | 277.37M | 248.38M | 176.42M | 116.87M |
| Interest Paid on Deposits | 108.45M | 109.21M | 115.77M | 101.71M | 44.39M | 11.82M |
| Interest Paid on Borrowings | 6.96M | 6.93M | 6.98M | 7.19M | 5.28M | 1.48M |
| Total Interest Expense | 115.41M | 116.14M | 122.75M | 108.89M | 49.67M | 13.30M |
| Net Interest Income | 176.37M | 172.85M | 154.62M | 139.48M | 126.75M | 103.57M |
| Trust Income | 3.75M | 3.77M | 3.30M | 3.17M | 2.18M | 1.81M |
| Gain (Loss) on Sale of Investments | 48.00K | -1.49M | ||||
| Other Non-Interest Income | 14.10M | 13.64M | 15.26M | 15.05M | 15.48M | 11.34M |
| Total Non-Interest Income | 28.37M | 27.80M | 27.98M | 24.84M | 26.20M | 21.20M |
| Revenues Before Loan Losses | 204.74M | 200.65M | 182.60M | 164.33M | 152.95M | 124.77M |
| Provision for Loan Losses | 9.91M | 11.45M | 6.52M | 3.60M | 17.06M | 1.49M |
| Revenue | 194.83M | 189.19M | 176.08M | 160.73M | 135.89M | 123.28M |
| Salaries and Employee Benefits | 54.63M | 53.11M | 54.09M | 52.22M | 46.06M | 34.91M |
| Occupancy Expenses | 14.44M | 14.22M | 13.70M | 14.40M | 11.22M | 9.25M |
| Federal Deposit Insurance | 2.15M | 2.19M | 2.33M | 2.46M | 1.47M | 743.00K |
| Amortization of Goodwill & Intangibles | 2.91M | 3.08M | 3.54M | 4.07M | 2.63M | 1.44M |
| Selling, General & Administrative | 20.75M | 21.23M | 20.55M | 17.01M | 17.29M | 11.65M |
| Other Non-Interest Expense | 8.44M | 8.02M | 7.77M | 7.29M | 7.66M | 4.86M |
| Total Non-Interest Expense | 103.61M | 102.09M | 102.08M | 97.62M | 86.42M | 63.38M |
| EBT Excluding Unusual Items | 91.23M | 87.10M | 73.99M | 63.11M | 49.46M | 59.90M |
| Pretax Income | 91.23M | 87.10M | 73.99M | 63.11M | 49.46M | 59.90M |
| Income Tax Expense | 15.94M | 15.27M | 15.42M | 12.93M | 10.23M | 12.73M |
| Net Income | 75.29M | 71.84M | 58.58M | 50.18M | 39.24M | 47.17M |
| Preferred Dividends & Other Adjustments | 328.00K | 314.00K | 264.00K | 257.00K | 192.00K | 195.00K |
| Net Income to Common | 74.96M | 71.53M | 58.31M | 49.92M | 39.05M | 46.97M |
| Basic Shares Outstanding | 11.03M | 11.10M | 11.23M | 11.29M | 10.12M | 8.99M |
| Diluted Shares Outstanding | 11.07M | 11.13M | 11.26M | 11.30M | 10.14M | 9.01M |
| EPS (Basic) | 6.80 | 6.44 | 5.19 | 4.42 | 3.86 | 5.22 |
| EPS (Diluted) | 6.78 | 6.43 | 5.18 | 4.42 | 3.85 | 5.21 |
| Dividend Per Share | 1.02 | 1.00 | 0.92 | 0.84 | 0.84 | 0.80 |
| Effective Tax Rate | 17.48% | 17.52% | 20.83% | 20.48% | 20.67% | 21.26% |
Balance sheet
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 97.13M | 90.97M | 192.86M | 60.90M | 53.98M | 86.79M |
| Investment Securities | 131.49M | 102.26M | 124.00M | 148.54M | 69.58M | |
| Trading Asset Securities | 320.00K | 912.00K | 20.00K | |||
| Mortgage-Backed Securities | 454.06M | 354.06M | 359.49M | 304.86M | 270.25M | 170.59M |
| Total Investments | 454.06M | 485.87M | 462.67M | 428.88M | 418.80M | 240.16M |
| Gross Loans | 4.46B | 4.39B | 4.10B | 3.85B | 3.98B | 2.84B |
| Allowance for Loan Losses | -58.27M | -54.91M | -51.63M | -52.52M | -47.82M | -33.19M |
| Other Adjustments to Gross Loans | -178.00K | -232.00K | -359.50M | -124.11M | ||
| Net Loans | 4.40B | 4.34B | 4.05B | 3.80B | 3.57B | 2.69B |
| Property, Plant & Equipment | 92.79M | 93.19M | 95.98M | 95.95M | 92.40M | 71.35M |
| Goodwill | 50.73M | 50.73M | 50.73M | 50.77M | 27.29M | |
| Other Intangible Assets | 69.93M | 17.09M | 20.09M | 23.50M | 27.57M | 5.47M |
| Loans Held for Sale | 421.00K | 1.79M | 431.00K | |||
| Accrued Interest Receivable | 26.87M | 26.02M | 23.83M | 18.87M | 11.05M | |
| Other Current Assets | 16.84M | 14.68M | 13.76M | 15.06M | 10.46M | |
| Long-Term Deferred Tax Assets | 10.28M | 9.43M | 11.19M | 12.86M | 10.72M | |
| Other Real Estate Owned & Foreclosed | 5.73M | 5.84M | 657.00K | 3.89M | 3.64M | 2.19M |
| Other Long-Term Assets | 171.93M | 89.10M | 87.73M | 85.69M | 83.64M | 57.20M |
| Total Assets | 5.31B | 5.24B | 5.02B | 4.60B | 4.36B | 3.21B |
| Accounts Payable | 23.45M | 29.23M | 18.35M | 21.15M | 13.27M | |
| Interest Bearing Deposits | 3.93B | 2.35B | 2.37B | 3.43B | 3.13B | 2.39B |
| Institutional Deposits | 1.50B | 1.40B | ||||
| Non-Interest Bearing Deposits | 540.60M | 560.70M | 508.11M | 514.11M | 597.60M | 426.93M |
| Total Deposits | 4.47B | 4.41B | 4.28B | 3.94B | 3.73B | 2.82B |
| Short-Term Borrowings | 25.00M | 20.27M | 15.88M | 11.41M | 33.50M | 1.99M |
| Current Portion of Long-Term Debt | 65.42M | 17.00M | 6.00M | 1.99M | 6.00M | |
| Current Portion of Leases | 897.00K | |||||
| Accrued Interest Payable | 11.78M | 14.19M | 12.87M | 4.72M | 801.00K | |
| Federal Home Loan Bank Debt, Long-Term | 122.71M | 65.00M | 87.06M | 94.06M | 98.02M | 29.96M |
| Long-Term Leases | 5.86M | 6.99M | 6.67M | 6.12M | 3.85M | |
| Trust Preferred Securities | 15.79M | 15.77M | 23.21M | 23.16M | 23.11M | 23.05M |
| Other Long-Term Liabilities | 70.64M | 29.40M | ||||
| Total Liabilities | 4.71B | 4.65B | 4.47B | 4.12B | 3.91B | 2.89B |
| Common Stock | 601.15M | 120.00K | 120.00K | 120.00K | 119.00K | 98.00K |
| Additional Paid-In Capital | 223.60M | 221.35M | 219.68M | 218.26M | 119.16M | |
| Retained Earnings | 420.28M | 359.58M | 311.38M | 270.72M | 240.12M | |
| Treasury Stock | -43.55M | -24.97M | -24.97M | -21.12M | -21.12M | |
| Comprehensive Income & Other | -9.77M | -11.38M | -17.45M | -21.93M | -17.49M | |
| Shareholders' Equity | 601.15M | 590.68M | 544.69M | 488.75M | 446.06M | 320.77M |
| Total Liabilities & Equity | 5.31B | 5.24B | 5.02B | 4.60B | 4.36B | 3.21B |
| Total Debt | 163.51M | 173.22M | 150.13M | 141.29M | 162.74M | 64.86M |
| Net Cash (Debt) | -66.37M | -81.93M | 43.89M | -79.87M | -107.52M | 26.70M |
| Net Cash Per Share | -6.00 | -7.36 | 3.90 | -7.07 | -10.60 | 2.96 |
| Filing Date Shares Outstanding | 10.99M | 11.01M | 11.29M | 11.28M | 11.34M | 9.23M |
| Total Common Shares Outstanding | 10.99M | 11.01M | 11.30M | 11.28M | 11.33M | 9.23M |
| Book Value Per Share | 54.68 | 53.64 | 48.21 | 43.34 | 39.37 | 34.76 |
| Tangible Book Value | 531.22M | 522.86M | 473.87M | 414.52M | 367.71M | 288.01M |
| Tangible Book Value Per Share | 48.32 | 47.48 | 41.94 | 36.76 | 32.45 | 31.21 |
Cash flow statement
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Net Income | 71.84M | 58.58M | 50.18M | 39.24M | 47.17M | |
| Depreciation & Amortization | 9.59M | 10.02M | 10.09M | 7.56M | 5.92M | |
| Gain (Loss) on Sale of Assets | 77.00K | 17.00K | 74.00K | -488.00K | 463.00K | |
| Gain (Loss) on Sale of Investments | -778.00K | -1.56M | 647.00K | 776.00K | 1.20M | |
| Provision for Credit Losses | 11.45M | 6.52M | 3.60M | 17.06M | 1.49M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | -452.00K | 1.00M | 187.00K | 129.00K | 1.20M | |
| Accrued Interest Receivable | -850.00K | -2.19M | -4.96M | -5.40M | -391.00K | |
| Change in Accounts Payable | 3.75M | 6.22M | -141.00K | 580.00K | 5.02M | |
| Change in Other Net Operating Assets | -6.21M | 6.68M | 8.94M | 5.45M | 9.68M | |
| Other Operating Activities | -5.08M | -6.01M | -7.24M | -5.25M | -2.73M | |
| Operating Cash Flow | 80.52M | 81.56M | 70.27M | 62.02M | 67.34M | |
| Capital Expenditures | -3.96M | -6.26M | -9.05M | -6.04M | -4.62M | |
| Sale of Property, Plant and Equipment | 15.00K | 3.72M | 928.00K | |||
| Cash Acquisitions | 208.34M | 48.77M | ||||
| Investment in Securities | 13.21M | -23.96M | -4.94M | 41.08M | -57.54M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -303.95M | -254.93M | -228.44M | -447.21M | -281.54M | |
| Other Investing Activities | -8.87M | 42.00K | -3.32M | -13.30M | -9.92M | |
| Investing Cash Flow | -303.57M | -285.11M | -245.74M | -213.41M | -303.93M | |
| Short-Term Debt Issued | 5.00M | 5.60M | ||||
| Long-Term Debt Issued | 394.30M | 260.00M | 303.20M | 1.91B | ||
| Total Debt Issued | 399.30M | 265.60M | 303.20M | 1.91B | ||
| Short-Term Debt Repaid | -27.63M | |||||
| Long-Term Debt Repaid | -375.45M | -258.05M | -334.75M | -1.82B | -29.30M | |
| Total Debt Repaid | -375.45M | -258.05M | -334.75M | -1.85B | -29.30M | |
| Net Debt Issued (Repaid) | 23.84M | 7.55M | -31.55M | 67.82M | -29.30M | |
| Issuance of Common Stock | 460.00K | 392.00K | ||||
| Repurchase of Common Stock | -18.58M | -3.86M | -5.84M | |||
| Common Dividends Paid | -11.13M | -10.38M | -9.53M | -8.63M | -7.19M | |
| Total Dividends Paid | -11.13M | -10.38M | -9.53M | -8.63M | -7.19M | |
| Net Increase (Decrease) in Deposit Accounts | 126.56M | 338.34M | 226.94M | 59.36M | 242.13M | |
| Financing Cash Flow | 121.15M | 335.51M | 182.39M | 118.55M | 199.80M | |
| Net Cash Flow | -101.89M | 131.96M | 6.92M | -32.83M | -36.78M | |
| Free Cash Flow | 76.56M | 75.29M | 61.22M | 55.98M | 62.73M | |
| Free Cash Flow Margin | 40.47% | 42.76% | 38.09% | 41.20% | 50.88% | |
| Free Cash Flow Per Share | 6.88 | 6.69 | 5.42 | 5.52 | 6.96 | |
| Cash Income Tax Paid | 9.14M | 7.53M | 2.30M | 4.31M | 361.00K |
Ratios
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 777.32M | 839.50M | 619.01M | 511.10M | 435.67M | 421.30M |
| Last Close Price | 70.70 | 75.94 | 53.69 | 43.41 | 36.36 | 42.00 |
| PE Ratio | 10.42 | 11.74 | 10.62 | 10.24 | 11.16 | 8.97 |
| PS Ratio | 3.99 | 4.44 | 3.52 | 3.18 | 3.21 | 3.42 |
| PB Ratio | 1.29 | 1.42 | 1.14 | 1.05 | 0.98 | 1.31 |
| P/FCF Ratio | 10.15 | 10.96 | 8.22 | 8.35 | 7.78 | 6.72 |
| P/OCF Ratio | 9.65 | 10.43 | 7.59 | 7.27 | 7.02 | 6.26 |
| Debt / Equity Ratio | 0.27 | 0.29 | 0.28 | 0.29 | 0.36 | 0.20 |
| Debt / FCF Ratio | 2.26 | 1.99 | 2.31 | 2.91 | 1.03 | |
| Net Debt / Equity Ratio | 0.11 | 0.14 | -0.08 | 0.16 | 0.24 | -0.08 |
| Net Debt / FCF Ratio | 1.07 | -0.58 | 1.30 | 1.92 | -0.43 | |
| Return on Equity (ROE) | 12.96% | 12.65% | 11.34% | 10.74% | 10.23% | 15.61% |
| Return on Assets (ROA) | 1.46% | 1.40% | 1.22% | 1.12% | 1.04% | 1.59% |
| Earnings Yield | 9.59% | 8.56% | 9.46% | 9.82% | 9.01% | 11.20% |
| FCF Yield | 9.85% | 9.12% | 12.16% | 11.98% | 12.85% | 14.89% |
| Dividend Yield | 1.53% | 1.31% | 1.68% | 1.85% | 2.19% | 1.75% |
| Payout Ratio | 15.92% | 15.50% | 17.72% | 18.98% | 22.00% | 15.25% |
| Buyback Yield / Dilution | 1.77% | 1.13% | 0.38% | -11.43% | -12.55% | -0.01% |
| Total Shareholder Return | 3.30% | 2.44% | 2.06% | -9.58% | -10.36% | 1.75% |