Southern Missouri Bancorp, Inc. Financials
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).
Balance-sheet growth is feeding steadier cash earnings while leverage stays high and returns rebuild from the FY2023 dip.
From FY2023 to FY2025, operating cash flow climbed from$62.0M to$81.6M . With debt-to-equity easing from 8.8x to 8.2x over the same stretch, the bigger balance sheet appears to have been absorbed by retained capital and better cash generation, not just by piling on more leverage.
FY2025 ROE of
Free cash flow remained close to operating cash flow in FY2025—
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 Southern Missouri 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.
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 76/100.
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.
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.
Southern Missouri Bancorp, Inc.'s ROE of 10.8% shows moderate profitability relative to equity, earning a score of 34/100. This is up from 10.3% the prior year.
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.
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
Earnings & Revenue
Southern Missouri Bancorp, Inc. generated $277.4M in revenue in fiscal year 2025. This represents an increase of 11.7% from the prior year.
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.
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
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.
Southern Missouri Bancorp, Inc. held $192.9M in cash against $0 in long-term debt as of fiscal year 2025.
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.
Margins & Returns
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.
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
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 | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $71.0M-1.8% | $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 | $26.2M+3.8% | $25.3M+0.9% | $25.1M-3.6% | $26.0M+2.3% | $25.4M+2.1% | $24.9M-3.7% | $25.8M+3.4% | $25.0M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $27.8M-5.3% | $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 | $4.2M-8.0% | $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 | $17.8M-2.1% | $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) | $1.60-1.2% | $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 | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $5.1B+0.9% | $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 | $93.0M-30.6% | $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 | $50.7M0.0% | $50.7M0.0% | $50.7M0.0% | $50.7M0.0% | $50.7M0.0% | $50.7M0.0% | $50.7M0.0% | $50.7M |
| Total Liabilities | $4.6B+0.9% | $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 | $573.5M+1.1% | $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 | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $29.0M+36.5% | $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 | $456K-58.4% | $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 | $28.5M+41.6% | $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 | -$93.4M-229.9% | -$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 | $23.3M+37.3% | $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 | $2.8M-0.5% | $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 | 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 | 25.0%-0.1pp | 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 | 3.1%-0.1pp | 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 | 0.4%0.0pp | 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 | 7.96-0.0 | 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 | 40.2%+12.3pp | 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 to 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 34 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.