SMBC · Southern Missouri Bancorp, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '25 | Q2 '24 | Q3 '24 | Q1 '24 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | $1.44M | - |
| Operating Income | $21.94M | $22.70M | $19.44M | $15.37M | $14.14M | $15.84M | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | $27.09M | $29.52M | $22.71M | $10.60M |
| Income Tax | $4.18M | $4.55M | $3.79M | $4.55M | $4.14M | $3.38M | $3.17M | $2.84M | $3.49M | $3.27M |
| Net Income | $17.76M | $18.15M | $15.65M | $14.65M | $15.68M | $12.46M | $12.19M | $11.31M | $13.15M | $11.66M |
| EPS - Basic | $1.60 | $1.62 | $1.39 | $1.30 | $1.39 | $1.10 | $1.08 | $1.00 | $1.16 | $1.26 |
| EPS - Diluted | $1.60 | $1.62 | $1.38 | $1.30 | $1.39 | $1.10 | $1.07 | $0.99 | $1.16 | $1.26 |
Balance Sheet
| Line item | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '25 | Q2 '24 | Q3 '24 | Q1 '24 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $93.04M | $134.06M | $124.11M | $192.86M | $226.89M | $75.35M | $60.90M | $168.27M | $88.19M | $53.98M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $5.14B | $5.09B | $5.04B | $5.02B | $4.98B | $4.73B | $4.60B | $4.65B | $4.47B | $4.36B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $4.57B | $4.53B | $4.48B | $4.47B | $4.45B | $4.22B | $4.12B | $4.17B | $4.02B | $3.91B |
| Stockholders' Equity | $573.51M | $567.36M | $560.22M | $544.69M | $528.79M | $505.63M | $488.75M | $479.58M | $453.93M | $446.06M |
| Retained Earnings | - | - | - | - | - | - | - | - | - | - |
Cash Flow
| Line item | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '25 | Q2 '24 | Q3 '24 | Q1 '24 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | - | - | $16.30M | - | - | $9.99M | - | - | $14.21M | - |
| Investing Cash Flow | - | - | ($83.91M) | - | - | ($100.63M) | - | - | ($73.68M) | - |
| Financing Cash Flow | - | - | ($1.14M) | - | - | $105.08M | - | - | $93.69M | - |
| CapEx | - | - | $901.0K | - | - | $1.43M | - | - | $1.43M | - |
| Free Cash Flow | - | - | $15.40M | - | - | $8.56M | - | - | $12.78M | - |
Ratios
| Metric | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '25 | Q2 '24 | Q3 '24 | Q1 '24 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | - | - | 0.98 | - | - | 0.69 | - | - | 0.97 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 19.1% | 20.0% | 19.5% | 23.7% | 20.9% | 21.3% | 20.6% | 20.1% | 21.0% | 21.9% |
| Return on assets | 0.3% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.3% |
| Return on equity | 3.1% | 3.2% | 2.8% | 2.7% | 3.0% | 2.5% | 2.5% | 2.4% | 2.9% | 2.6% |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | - | - |
| Equity multiplier | 8.96 | 8.98 | 8.99 | 9.22 | 9.41 | 9.35 | 9.42 | 9.69 | 9.85 | 9.77 |
| Liabilities / Assets | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 | 0.90 | 0.90 | 0.90 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 40.0x | 36.5x | 38.1x | 42.1x | 37.4x | 51.4x | 42.1x | 44.2x | 33.4x | 30.5x |
| P / B | 1.3x | 1.2x | 1.1x | - | - | - | 1.0x | 1.0x | 1.0x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 55.1% | 47.7% | 22.8% | - | - | - | - | - | - | - |
| Net income growth (YoY) | 13.3% | 23.9% | 25.6% | 20.2% | 38.7% | -5.3% | 4.5% | 369.4% | 36.9% | -2.7% |
| EPS growth (YoY) | 15.1% | 24.6% | 25.5% | 21.5% | 40.4% | -5.2% | -15.1% | 350.0% | 11.5% | -6.7% |
| EPS CAGR (3y) | 93.7% | 8.7% | 9.9% | -1.3% | 10.5% | -8.4% | -6.8% | -8.0% | 2.1% | 14.5% |
| EPS CAGR (5y) | 4.7% | 4.2% | 4.8% | 9.1% | 20.4% | 5.3% | 5.7% | 5.4% | 8.8% | 16.0% |
| FCF growth (YoY) | - | - | 79.9% | - | - | -33.0% | - | - | 91.8% | - |
| FCF CAGR (5y) | - | - | 23.1% | - | - | 19.4% | - | - | 15.0% | - |
| Book value growth (YoY) | 8.5% | 4.2% | 10.8% | 11.4% | 10.3% | 11.4% | 9.6% | 9.8% | 39.1% | 39.1% |
Peer comparison
Same SIC group: Savings Institutions, Not Federally Chartered
Comparing SOUTHERN MISSOURI BANCORP against the 5 most active filers in the same SIC group.
Dividends
$1.00/share trailing 12 months · +8.7% YoY
| Ex-date | Per share |
|---|---|
| May 15, 2026 | $0.2500 |
| Feb 13, 2026 | $0.2500 |
| Nov 14, 2025 | $0.2500 |
| Aug 15, 2025 | $0.2500 |
| May 15, 2025 | $0.2300 |
| Feb 14, 2025 | $0.2300 |
| Nov 15, 2024 | $0.2300 |
| Aug 15, 2024 | $0.2300 |
| May 14, 2024 | $0.2100 |
| Feb 14, 2024 | $0.2100 |
| Nov 14, 2023 | $0.2100 |
| Aug 14, 2023 | $0.2100 |
| May 12, 2023 | $0.2100 |
| Feb 14, 2023 | $0.2100 |
| Nov 14, 2022 | $0.2100 |
| Aug 12, 2022 | $0.2100 |
| May 12, 2022 | $0.2000 |
| Feb 14, 2022 | $0.2000 |
| Nov 12, 2021 | $0.2000 |
| Aug 12, 2021 | $0.2000 |
| May 13, 2021 | $0.1600 |
| Feb 11, 2021 | $0.1600 |
| Nov 12, 2020 | $0.1500 |
| Aug 13, 2020 | $0.1500 |