Security Midwest Bancorp Inc Financials
This page shows Security Midwest Bancorp Inc (SBMW) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 2 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Externally funded, asset-heavy economics dominate here, while cash generation outpaces accounting profit despite only modest sales and thin earnings.
FY2025 cash conversion improved even as reported profitability weakened: operating cash flow rose to$2.6M while net income fell to$299K . Because capital spending was only$466K , free cash flow still reached$2.1M , suggesting the operating business is not very capital-hungry and that reported earnings understate cash generation.
Liabilities fund most of the company’s asset base, with
Cash growth came more from financing than from operations in FY2025, as financing inflows of
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Security Midwest Bancorp Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Security Midwest Bancorp Inc's revenue grew a modest 2.8% year-over-year to $10.3M. This slow but positive growth earns a score of 38/100.
Security Midwest Bancorp Inc has elevated debt relative to equity (D/E of 10.34), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Security Midwest Bancorp Inc converts 20.8% of revenue into free cash flow ($2.1M). This strong cash generation earns a score of 68/100.
Security Midwest Bancorp Inc generates a 1.3% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 17/100. This is down from 4.9% the prior year.
Security Midwest Bancorp Inc passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, Security Midwest Bancorp Inc generates $8.76 in operating cash flow ($2.6M OCF vs $299K net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Security Midwest Bancorp Inc generated $10.3M in revenue in fiscal year 2025. This represents an increase of 2.8% from the prior year.
Security Midwest Bancorp Inc reported $299K in net income in fiscal year 2025. This represents a decrease of 56.3% from the prior year.
Security Midwest Bancorp Inc earned $0.36 per diluted share (EPS) in fiscal year 2025.
Cash & Balance Sheet
Security Midwest Bancorp Inc generated $2.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 85.9% from the prior year.
Security Midwest Bancorp Inc held $50.4M in cash against $0 in long-term debt as of fiscal year 2025.
Margins & Returns
Security Midwest Bancorp Inc's net profit margin was 2.9% in fiscal year 2025, showing the share of revenue converted to profit. This is down 3.9 percentage points from the prior year.
Security Midwest Bancorp Inc's ROE was 1.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 3.6 percentage points from the prior year.
Capital Allocation
Security Midwest Bancorp Inc invested $466K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 441.5% from the prior year.
SBMW Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $3.1M+8.6% | $2.8M+12.5% | $2.5M+2.0% | $2.5M-2.9% | $2.5M-5.0% | $2.7M+2.4% | $2.6M+6.9% | $2.4M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $1.2M-45.5% | $2.2M+76.0% | $1.3M+13.2% | $1.1M-0.3% | $1.1M-5.7% | $1.2M+18.8% | $1000K+2.0% | $980K |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $867K+17.3% | $739K+36.5% | $542K-1.0% | $547K-4.4% | $572K-19.3% | $709K-9.6% | $784K+1.5% | $773K |
| Income Tax | $166K+158.1% | -$285K-342.8% | $118K-1.1% | $119K-29.0% | $168K+311.3% | -$79K-162.3% | $127K+23.7% | $103K |
| Net Income | $418K+157.0% | -$733K-360.9% | $281K-19.6% | $350K-12.9% | $402K+278.6% | -$225K-160.6% | $371K+39.4% | $266K |
| EPS (Diluted) | $0.50 | N/A | $0.34 | N/A | N/A | N/A | N/A | N/A |
SBMW Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $251.3M-2.0% | $256.5M+25.8% | $203.9M-5.8% | $216.4M-0.6% | $217.6M+1.4% | $214.5M | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $35.9M-28.7% | $50.4M+44.8% | $34.8M-28.8% | $48.9M-3.5% | $50.6M+16.3% | $43.5M-39.7% | $72.2M+36.2% | $53.0M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $228.5M-2.3% | $233.9M+29.5% | $180.6M-10.1% | $200.9M-0.8% | $202.5M+1.0% | $200.6M | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $22.8M+1.0% | $22.6M-2.7% | $23.2M+49.8% | $15.5M+2.6% | $15.1M+8.4% | $14.0M-9.2% | $15.4M+10.8% | $13.9M |
| Retained Earnings | $19.4M+2.2% | $19.0M-3.7% | $19.7M+1.4% | $19.4M+1.8% | $19.1M+2.2% | $18.7M | N/A | N/A |
SBMW Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$609K-152.6% | $1.2M+6.4% | $1.1M+5241.1% | $20K-94.2% | $351K+196.2% | $119K-68.6% | $378K+1502.8% | $24K |
| Capital Expenditures | $96K-31.9% | $141K-42.2% | $243K+278.1% | $64K+244.9% | $19K+1864000.0% | -$1-100.0% | $6K-69.1% | $18K |
| Free Cash Flow | -$705K-169.3% | $1.0M+20.3% | $845K+2023.7% | -$44K-113.2% | $332K+180.5% | $119K-68.1% | $372K+6897.7% | $5K |
| Investing Cash Flow | -$9.7M+74.1% | -$37.5M-2668.7% | -$1.4M-273.0% | -$363K-108.0% | $4.6M+1734.2% | $248K+104.9% | -$5.1M-329.0% | $2.2M |
| Financing Cash Flow | -$4.2M-108.0% | $51.9M+476.5% | -$13.8M-854.8% | -$1.4M-165.6% | $2.2M+107.6% | -$29.0M-221.3% | $23.9M+320.5% | -$10.8M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
SBMW Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 13.6%+39.6pp | -25.9%-37.1pp | 11.2%-3.0pp | 14.2%-1.7pp | 15.8%+24.3pp | -8.4%-22.7pp | 14.2%+3.3pp | 10.9% |
| Return on Equity | 1.8%+5.1pp | -3.2%-4.5pp | 1.2%-1.0pp | 2.3%-0.4pp | 2.6%+4.3pp | -1.6%-4.0pp | 2.4%+0.5pp | 1.9% |
| Return on Assets | 0.2%+0.5pp | -0.3%-0.4pp | 0.1%-0.0pp | 0.2%-0.0pp | 0.2%+0.3pp | -0.1% | N/A | N/A |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 10.00-0.3 | 10.34+2.6 | 7.77-5.2 | 12.95-0.4 | 13.39-1.0 | 14.38 | N/A | N/A |
| FCF Margin | -23.0%-59.0pp | 36.0%+2.3pp | 33.6%+35.4pp | -1.8%-14.9pp | 13.1%+8.7pp | 4.4%-9.8pp | 14.3%+14.1pp | 0.2% |
Frequently Asked Questions
What is Security Midwest Bancorp Inc's annual revenue?
Security Midwest Bancorp Inc (SBMW) reported $10.3M in total revenue for fiscal year 2025. This represents a 2.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Security Midwest Bancorp Inc's revenue growing?
Security Midwest Bancorp Inc (SBMW) revenue grew by 2.8% year-over-year, from $10.1M to $10.3M in fiscal year 2025.
Is Security Midwest Bancorp Inc profitable?
Yes, Security Midwest Bancorp Inc (SBMW) reported a net income of $299K in fiscal year 2025, with a net profit margin of 2.9%.
What is Security Midwest Bancorp Inc's net profit margin?
Security Midwest Bancorp Inc (SBMW) had a net profit margin of 2.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Security Midwest Bancorp Inc's return on equity (ROE)?
Security Midwest Bancorp Inc (SBMW) has a return on equity of 1.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Security Midwest Bancorp Inc's free cash flow?
Security Midwest Bancorp Inc (SBMW) generated $2.1M in free cash flow during fiscal year 2025. This represents a 85.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Security Midwest Bancorp Inc's operating cash flow?
Security Midwest Bancorp Inc (SBMW) generated $2.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Security Midwest Bancorp Inc's total assets?
Security Midwest Bancorp Inc (SBMW) had $256.5M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Security Midwest Bancorp Inc's capital expenditures?
Security Midwest Bancorp Inc (SBMW) invested $466K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Security Midwest Bancorp Inc's debt-to-equity ratio?
Security Midwest Bancorp Inc (SBMW) had a debt-to-equity ratio of 10.34 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Security Midwest Bancorp Inc's return on assets (ROA)?
Security Midwest Bancorp Inc (SBMW) had a return on assets of 0.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Security Midwest Bancorp Inc's Piotroski F-Score?
Security Midwest Bancorp Inc (SBMW) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Security Midwest Bancorp Inc's earnings high quality?
Security Midwest Bancorp Inc (SBMW) has an earnings quality ratio of 8.76x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Security Midwest Bancorp Inc?
Security Midwest Bancorp Inc (SBMW) scores 21 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.