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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | - | - | $4.92M | $4.48M | $4.03M | $3.78M |
| Operating Income | $73.99M | $63.11M | - | - | - | - |
| Interest Expense | - | - | $49.67M | $13.30M | $16.79M | $26.92M |
| Income Tax | $15.42M | $12.93M | $10.23M | $12.73M | $12.53M | $6.89M |
| Net Income | $58.58M | $50.18M | $39.24M | $47.17M | $47.18M | $27.55M |
| EPS - Basic | $5.19 | $4.42 | $3.86 | $5.22 | $5.22 | $3.00 |
| EPS - Diluted | $5.18 | $4.42 | $3.85 | $5.21 | $5.22 | $2.99 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $192.86M | $60.90M | $53.98M | $86.79M | $123.59M | $54.24M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $5.02B | $4.60B | $4.36B | $3.21B | $2.70B | $2.54B |
| Current Liabilities | - | - | - | - | - | $2.28B |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $4.47B | $4.12B | $3.91B | $2.89B | $2.42B | - |
| Stockholders' Equity | $544.69M | $488.75M | $446.06M | $320.77M | $283.42M | $258.35M |
| Retained Earnings | - | - | - | - | - | - |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $81.56M | $70.27M | $62.02M | $67.34M | $51.76M | $40.30M |
| Investing Cash Flow | ($285.11M) | ($245.74M) | ($213.41M) | ($303.93M) | ($101.92M) | ($272.36M) |
| Financing Cash Flow | $335.51M | $182.39M | $118.55M | $199.80M | $119.50M | $250.90M |
| CapEx | $6.26M | $9.05M | $6.04M | $4.62M | $2.86M | $4.30M |
| Free Cash Flow | $75.29M | $61.22M | $55.98M | $62.73M | $48.91M | $36.00M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.29 | 1.22 | 1.43 | 1.33 | 1.04 | 1.31 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 20.8% | 20.5% | 20.7% | 21.3% | 21.0% | 20.0% |
| Return on assets | 1.2% | 1.1% | 0.9% | 1.5% | 1.7% | 1.1% |
| Return on equity | 10.8% | 10.3% | 8.8% | 14.7% | 16.6% | 10.7% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | 0.02 |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - |
| Equity multiplier | 9.22 | 9.42 | 9.77 | 10.02 | 9.53 | 9.84 |
| Liabilities / Assets | 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 | 10.6x | 10.2x | 10.0x | 8.7x | 8.6x | 8.1x |
| P / B | - | - | - | - | - | - |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 17.2% | - | - | - | - | - |
| Net income growth (YoY) | 16.7% | 27.9% | -16.8% | -0.0% | 71.3% | -4.7% |
| EPS growth (YoY) | 17.2% | 14.8% | -26.1% | -0.2% | 74.6% | -4.8% |
| EPS CAGR (3y) | -0.2% | -5.4% | 8.8% | 18.4% | 29.7% | 13.0% |
| EPS CAGR (5y) | 11.6% | 7.1% | 10.0% | 20.3% | 21.4% | 10.8% |
| FCF growth (YoY) | 23.0% | 9.4% | -10.7% | 28.3% | 35.9% | 16.5% |
| FCF CAGR (5y) | 15.9% | 14.7% | 11.3% | 17.0% | 12.2% | 23.7% |
| Book value growth (YoY) | 11.4% | 9.6% | 39.1% | 13.2% | 9.7% | 8.4% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- -No share dilution
- -Gross margin improved
- -Asset turnover improved
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 |