What is Southern Missouri Bancorp, Inc.'s earnings per share (EPS)?

Southern Missouri Bancorp, Inc. (SMBC) reported diluted earnings per share of $5.18 for fiscal year 2025. This represents a 17.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Southern Missouri Bancorp, Inc. Financials

SMBC

Source SEC Filings (10-K/10-Q) Updated Feb 6, 2026 Currency USD FYE June

This page shows Southern Missouri Bancorp, Inc. (SMBC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 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).

Financial Health Signals

Financial Profile 45/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Southern Missouri Bancorp, Inc.'s revenue grew 11.7% year-over-year to $277.4M, a solid pace of expansion. This earns a growth score of 53/100.

Leverage

Southern Missouri Bancorp, Inc. has elevated debt relative to equity (D/E of 8.22), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Southern Missouri Bancorp, Inc. converts 27.2% of revenue into free cash flow ($75.3M). This strong cash generation earns a score of 93/100.

Returns

Southern Missouri Bancorp, Inc.'s ROE of 10.8% shows moderate profitability relative to equity, earning a score of 35/100. This is up from 10.3% the prior year.

Piotroski F-Score Neutral

5/9

Southern Missouri Bancorp, Inc. passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.39x

For every $1 of reported earnings, Southern Missouri Bancorp, Inc. generates $1.39 in operating cash flow ($81.6M OCF vs $58.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$277.4M

YoY+11.7%

5Y CAGR+21.0%

10Y CAGR+17.5%

Southern Missouri Bancorp, Inc. generated $277.4M in revenue in fiscal year 2025. This represents an increase of 11.7% from the prior year.

EBITDA

N/A

Net Income

$58.6M

YoY+16.7%

5Y CAGR+16.3%

10Y CAGR+15.7%

Southern Missouri Bancorp, Inc. reported $58.6M in net income in fiscal year 2025. This represents an increase of 16.7% from the prior year.

EPS (Diluted)

$5.18

YoY+17.2%

5Y CAGR+11.6%

10Y CAGR+11.2%

Southern Missouri Bancorp, Inc. earned $5.18 per diluted share (EPS) in fiscal year 2025. This represents an increase of 17.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$75.3M

YoY+23.0%

5Y CAGR+15.9%

10Y CAGR+19.7%

Southern Missouri Bancorp, Inc. generated $75.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 23.0% from the prior year.

Cash & Debt

$192.9M

YoY+216.7%

5Y CAGR+28.9%

10Y CAGR+27.7%

Southern Missouri Bancorp, Inc. held $192.9M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.92

YoY+9.5%

5Y CAGR+8.9%

10Y CAGR+10.5%

Southern Missouri Bancorp, Inc. paid $0.92 per share in dividends in fiscal year 2025. This represents an increase of 9.5% from the prior year.

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

21.1%

YoY+0.9pp

5Y CAGR-4.6pp

10Y CAGR-3.6pp

Southern Missouri Bancorp, Inc.'s net profit margin was 21.1% in fiscal year 2025, showing the share of revenue converted to profit. This is up 0.9 percentage points from the prior year.

Return on Equity

10.8%

YoY+0.5pp

5Y CAGR+0.1pp

10Y CAGR+0.5pp

Southern Missouri Bancorp, Inc.'s ROE was 10.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.5 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$6.3M

YoY-30.8%

5Y CAGR+7.8%

Southern Missouri Bancorp, Inc. invested $6.3M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 30.8% from the prior year.

SMBC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$277.4M+11.7%	$248.4M+40.8%	$176.4M+51.0%	$116.9M+6.8%	$109.5M+2.3%	$107.1M
Cost of Revenue	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
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$122.7M+12.7%	$108.9M+119.2%	$49.7M+273.5%	$13.3M-20.8%	$16.8M-37.6%	$26.9M
Income Tax	$15.4M+19.2%	$12.9M+26.4%	$10.2M-19.7%	$12.7M+1.7%	$12.5M+81.9%	$6.9M
Net Income	$58.6M+16.7%	$50.2M+27.9%	$39.2M-16.8%	$47.2M0.0%	$47.2M+71.3%	$27.5M
EPS (Diluted)	$5.18+17.2%	$4.42+14.8%	$3.85-26.1%	$5.21-0.2%	$5.22+74.6%	$2.99

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Revenue	$72K-99.9%	$72.2M-1.1%	$73.0M+3.4%	$70.6M+1.0%	$69.9M+0.7%	$69.4M+3.0%	$67.4M+4.2%	$64.7M
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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$29K-99.9%	$29.4M-4.1%	$30.6M+1.0%	$30.3M-0.5%	$30.4M-2.7%	$31.3M+1.8%	$30.7M+3.9%	$29.6M
Income Tax	$5K-99.9%	$4.5M+19.9%	$3.8M+13.1%	$3.4M-19.0%	$4.1M-9.0%	$4.5M+34.6%	$3.4M-1.5%	$3.4M
Net Income	$18K-99.9%	$18.1M+16.0%	$15.7M-0.9%	$15.8M+0.7%	$15.7M+7.0%	$14.7M+17.6%	$12.5M-7.9%	$13.5M
EPS (Diluted)	$1.620.0%	$1.62+17.4%	$1.38-0.7%	$1.390.0%	$1.39+6.9%	$1.30+18.2%	$1.10-7.6%	$1.19

SMBC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$5.0B+9.0%	$4.6B+5.6%	$4.4B+35.6%	$3.2B+19.0%	$2.7B+6.2%	$2.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$192.9M+216.7%	$60.9M+12.8%	$54.0M-37.8%	$86.8M-29.8%	$123.6M+127.8%	$54.2M
Inventory	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
Goodwill	$50.7M0.0%	$50.7M-0.1%	$50.8M+86.1%	$27.3M+93.7%	$14.1M0.0%	$14.1M
Total Liabilities	$4.5B+8.7%	$4.1B+5.1%	$3.9B+35.3%	$2.9B+19.7%	$2.4B+5.8%	$2.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	$2.3B
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$544.7M+11.4%	$488.7M+9.6%	$446.1M+39.1%	$320.8M+13.2%	$283.4M+9.7%	$258.3M
Retained Earnings	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Total Assets	N/A	$5.1B+1.2%	$5.0B+0.3%	$5.0B+0.9%	$5.0B+1.4%	$4.9B+3.8%	$4.7B+2.7%	$4.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	$134.1M+8.0%	$124.1M-35.6%	$192.9M-15.0%	$226.9M+55.6%	$145.8M+93.5%	$75.3M+23.7%	$60.9M
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	$50.7M0.0%	$50.7M0.0%	$50.7M0.0%	$50.7M0.0%	$50.7M0.0%	$50.7M0.0%	$50.7M
Total Liabilities	N/A	$4.5B+1.1%	$4.5B0.0%	$4.5B+0.6%	$4.4B+1.2%	$4.4B+4.1%	$4.2B+2.6%	$4.1B
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	N/A	$567.4M+1.3%	$560.2M+2.9%	$544.7M+3.0%	$528.8M+3.2%	$512.4M+1.3%	$505.6M+3.5%	$488.7M
Retained Earnings	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

SMBC Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$81.6M+16.1%	$70.3M+13.3%	$62.0M-7.9%	$67.3M+30.1%	$51.8M+28.4%	$40.3M
Capital Expenditures	$6.3M-30.8%	$9.0M+49.8%	$6.0M+30.8%	$4.6M+61.7%	$2.9M-33.6%	$4.3M
Free Cash Flow	$75.3M+23.0%	$61.2M+9.4%	$56.0M-10.7%	$62.7M+28.3%	$48.9M+35.9%	$36.0M
Investing Cash Flow	-$285.1M-16.0%	-$245.7M-15.1%	-$213.4M+29.8%	-$303.9M-198.2%	-$101.9M+62.6%	-$272.4M
Financing Cash Flow	$335.5M+83.9%	$182.4M+53.8%	$118.6M-40.7%	$199.8M+67.2%	$119.5M-52.4%	$250.9M
Dividends Paid	$10.4M+8.9%	$9.5M+10.4%	$8.6M+20.0%	$7.2M+28.5%	$5.6M+1.5%	$5.5M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Operating Cash Flow	$38K-99.8%	$21.3M+30.4%	$16.3M-40.3%	$27.3M+13.4%	$24.1M+19.7%	$20.1M+101.5%	$10.0M-34.4%	$15.2M
Capital Expenditures	$2K-99.8%	$1.1M+21.8%	$901K-39.0%	$1.5M+7.6%	$1.4M-30.8%	$2.0M+38.6%	$1.4M-25.5%	$1.9M
Free Cash Flow	$36K-99.8%	$20.2M+30.9%	$15.4M-40.4%	$25.8M+13.7%	$22.7M+25.2%	$18.2M+112.1%	$8.6M-35.6%	$13.3M
Investing Cash Flow	$112K+100.4%	-$28.3M+66.3%	-$83.9M-6.6%	-$78.7M-767.6%	$11.8M+110.0%	-$117.5M-16.8%	-$100.6M-37.0%	-$73.5M
Financing Cash Flow	$16K-99.9%	$17.0M+1588.7%	-$1.1M-106.6%	$17.4M-61.5%	$45.2M-73.1%	$167.9M+59.8%	$105.1M+313.9%	-$49.1M
Dividends Paid	$6K-99.8%	$2.8M-1.1%	$2.8M+8.7%	$2.6M0.0%	$2.6M0.0%	$2.6M0.0%	$2.6M+8.9%	$2.4M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

SMBC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	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
Net Margin	21.1%+0.9pp	20.2%-2.0pp	22.2%-18.1pp	40.4%-2.7pp	43.1%+17.4pp	25.7%
Return on Equity	10.8%+0.5pp	10.3%+1.5pp	8.8%-5.9pp	14.7%-2.0pp	16.7%+6.0pp	10.7%
Return on Assets	1.2%+0.1pp	1.1%+0.2pp	0.9%-0.6pp	1.5%-0.3pp	1.8%+0.7pp	1.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.22-0.2	8.42-0.4	8.78-0.2	9.02+0.5	8.53-0.3	8.84
FCF Margin	27.2%+2.5pp	24.6%-7.1pp	31.7%-21.9pp	53.7%+9.0pp	44.7%+11.0pp	33.6%

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
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	25.1%0.0pp	25.1%+3.7pp	21.4%-0.9pp	22.4%-0.1pp	22.4%+1.3pp	21.1%+2.6pp	18.5%-2.4pp	20.9%
Return on Equity	N/A	3.2%+0.4pp	2.8%-0.1pp	2.9%-0.1pp	3.0%+0.1pp	2.9%+0.4pp	2.5%-0.3pp	2.8%
Return on Assets	N/A	0.4%+0.1pp	0.3%0.0pp	0.3%-0.0pp	0.3%+0.0pp	0.3%+0.0pp	0.3%-0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	N/A	7.98-0.0	7.99-0.2	8.22-0.2	8.41-0.2	8.58+0.2	8.35-0.1	8.42
FCF Margin	49.2%+21.3pp	27.9%+6.8pp	21.1%-15.5pp	36.6%+4.1pp	32.5%+6.4pp	26.2%+13.4pp	12.7%-7.9pp	20.6%

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Frequently Asked Questions

What is Southern Missouri Bancorp, Inc.'s annual revenue?

Southern Missouri Bancorp, Inc. (SMBC) reported $277.4M in total revenue for fiscal year 2025. This represents a 11.7% 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 Southern Missouri Bancorp, Inc.'s revenue growing?

Southern Missouri Bancorp, Inc. (SMBC) revenue grew by 11.7% year-over-year, from $248.4M to $277.4M in fiscal year 2025.

Is Southern Missouri Bancorp, Inc. profitable?

Yes, Southern Missouri Bancorp, Inc. (SMBC) reported a net income of $58.6M in fiscal year 2025, with a net profit margin of 21.1%.

What is Southern Missouri Bancorp, Inc.'s net profit margin?

Southern Missouri Bancorp, Inc. (SMBC) had a net profit margin of 21.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Southern Missouri Bancorp, Inc. pay dividends?

Yes, Southern Missouri Bancorp, Inc. (SMBC) paid $0.92 per share in dividends during fiscal year 2025.

What is Southern Missouri Bancorp, Inc.'s return on equity (ROE)?

Southern Missouri Bancorp, Inc. (SMBC) has a return on equity of 10.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Southern Missouri Bancorp, Inc.'s free cash flow?

Southern Missouri Bancorp, Inc. (SMBC) generated $75.3M in free cash flow during fiscal year 2025. This represents a 23.0% 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 Southern Missouri Bancorp, Inc.'s operating cash flow?

Southern Missouri Bancorp, Inc. (SMBC) generated $81.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Southern Missouri Bancorp, Inc.'s total assets?

Southern Missouri Bancorp, Inc. (SMBC) had $5.0B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Southern Missouri Bancorp, Inc.'s capital expenditures?

Southern Missouri Bancorp, Inc. (SMBC) invested $6.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

What is Southern Missouri Bancorp, Inc.'s debt-to-equity ratio?

Southern Missouri Bancorp, Inc. (SMBC) had a debt-to-equity ratio of 8.22 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Southern Missouri Bancorp, Inc.'s return on assets (ROA)?

Southern Missouri Bancorp, Inc. (SMBC) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Southern Missouri Bancorp, Inc.'s Piotroski F-Score?

Southern Missouri Bancorp, Inc. (SMBC) has a Piotroski F-Score of 5 out of 9, indicating neutral 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 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Southern Missouri Bancorp, Inc.'s earnings high quality?

Southern Missouri Bancorp, Inc. (SMBC) has an earnings quality ratio of 1.39x, 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 Southern Missouri Bancorp, Inc.?

Southern Missouri Bancorp, Inc. (SMBC) scores 45 out of 100 on our Financial Profile, indicating moderate 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.