Southern Missouri Bancorp (SMBC) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 30, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-K for FY2026, filed Sep 11, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the SMBC SEC filings page.
Southern Missouri Bancorp (SMBC) reported $200.6M in revenue for fiscal year 2026, up 9.9% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
The bank is growing its balance sheet and rebuilding profitability, but FY2026 earnings growth converted into little additional operating cash.
Cash conversion weakened: FY2026 net income rose22.6% while operating cash flow fell1.3% . Operating cash flow equaled112.1% of net income, down from139.2% in FY2025, so stronger reported earnings did not translate proportionally into cash.
Equity is growing faster than the balance sheet: from FY2024 to FY2026, total assets increased
Profitability has recovered beyond FY2023: net profit margin rose from
Financial Health Signals
Scored against banks for FY2026. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 5 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Southern Missouri Bancorp'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 earned a return on assets of 1.4% in fiscal year 2026, which is the profit it made on every dollar of assets on its books. This is up from 1.2% the prior year. Earnings ranks banks on that return over three years, and Southern Missouri Bancorp scores 76/100 among other banks.
Southern Missouri Bancorp reported revenue of $200.6M in fiscal year 2026, against $182.6M in fiscal year 2025. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Southern Missouri Bancorp scores 63/100 among other banks.
Southern Missouri Bancorp funded 11.3% of its assets with shareholders' equity at the end of fiscal year 2026, holding $590.7M of equity against $5.2B of assets. Capital ranks banks on that cushion, and Southern Missouri Bancorp scores 55/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Southern Missouri Bancorp scores 83/100 on it among other banks.
Not available for Southern Missouri Bancorp, so it is left out of the overall score, which averages the 5 of 6 dimensions that can be computed.
Southern Missouri Bancorp reported net income of $71.8M in fiscal year 2026, against $58.6M in fiscal year 2025. Stability ranks banks on how steady net income has been across five years, and Southern Missouri Bancorp scores 52/100 among other banks.
Southern Missouri Bancorp passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) passes.
Key Financial Metrics
Earnings & Revenue
Southern Missouri Bancorp generated $51.8M in revenue in Q4 2026. This represents an increase of 8.7% from the same quarter a year earlier. Against the prior quarter it is up 3.0%.
Southern Missouri Bancorp reported $20.3M in net income in Q4 2026. This represents an increase of 28.5% from the same quarter a year earlier. Against the prior quarter it is up 14.2%.
Southern Missouri Bancorp earned $1.84 per diluted share (EPS) in Q4 2026. This represents an increase of 32.4% from the same quarter a year earlier. Against the prior quarter it is up 15.0%.
Not reported for Q4 2026.
Cash & Balance Sheet
Southern Missouri Bancorp generated $12.5M in free cash flow in Q4 2026, representing cash available after capex. This represents a decrease of 51.8% from the same quarter a year earlier. Against the prior quarter it is down 56.3%.
Southern Missouri Bancorp held $91.0M in cash as of Q4 2026; no long-term debt figure is on record for that period.
Southern Missouri Bancorp paid $0.25 per share in dividends in Q4 2026. This represents an increase of 8.7% from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
Southern Missouri Bancorp's net profit margin was 39.2% in Q4 2026, showing the share of revenue converted to profit. This is up 6.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 3.8 percentage points.
Southern Missouri Bancorp's quarterly ROE was 3.4% in Q4 2026: one quarter's net income over shareholder equity, not annualized. This is up 0.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.
Not reported for Q4 2026.
Not reported for Q4 2026.
Capital Allocation
Southern Missouri Bancorp invested $1.5M in capex in Q4 2026, funding long-term assets and infrastructure. This represents an increase of 2.0% from the same quarter a year earlier. Against the prior quarter it is up 230.0%.
Not reported for Q4 2026.
Not reported for Q4 2026.
SMBC Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $51.8M+8.7% | $50.2M+8.9% | $49.6M+10.3% | $49.0M+11.8% | $47.6M+11.1% | $46.1M+15.1% | $45.0M+12.2% | $43.8M+6.3% |
| Interest Expense | $28.4M-6.4% | $27.8M-8.7% | $29.4M-6.1% | $30.6M-0.3% | $30.3M+2.5% | $30.4M+3.2% | $31.3M+15.5% | $30.7M+35.2% |
| Income Tax | $2.7M-18.0% | $4.2M+1.0% | $4.5M0.0% | $3.8M+12.2% | $3.4M-2.3% | $4.1M+45.9% | $4.5M+43.3% | $3.4M-3.2% |
| Net Income | $20.3M+28.5% | $17.8M+13.3% | $18.1M+23.9% | $15.7M+25.6% | $15.8M+16.7% | $15.7M+38.7% | $14.7M+20.2% | $12.5M-5.3% |
| EPS (Basic) | $1.83+30.7% | $1.60+15.1% | $1.62+24.6% | $1.39+26.4% | $1.40+17.6% | $1.39+39.0% | $1.30+20.4% | $1.10-5.2% |
| EPS (Diluted) | $1.84+32.4% | $1.60+15.1% | $1.62+24.6% | $1.38+25.5% | $1.39+16.8% | $1.39+40.4% | $1.30+21.5% | $1.10-5.2% |
| Diluted Shares (Avg) | N/A | 11M-1.7% | 11M-0.7% | 11M+0.3% | N/A | 11M-0.4% | 11M-0.4% | 11M-0.5% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
SMBC Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $5.2B+4.3% | $5.1B+3.3% | $5.1B+3.8% | $5.0B+6.5% | $5.0B+9.0% | $5.0B+7.1% | $4.9B+5.7% | $4.7B+5.8% |
| Cash & Equivalents | $91.0M-52.8% | $93.0M-59.0% | $134.1M-8.1% | $124.1M+64.7% | $192.9M+216.7% | $226.9M+34.8% | $145.8M-32.6% | $75.3M-14.6% |
| Goodwill | $50.7M0.0% | $50.7M0.0% | $50.7M0.0% | $50.7M0.0% | $50.7M0.0% | $50.7M0.0% | $50.7M0.0% | $50.7M0.0% |
| Total Liabilities | $4.6B+3.8% | $4.6B+2.7% | $4.5B+3.0% | $4.5B+6.0% | $4.5B+8.7% | $4.4B+6.7% | $4.4B+5.3% | $4.2B+5.2% |
| Total Equity | $590.7M+8.4% | $573.5M+8.5% | $567.4M+10.7% | $560.2M+10.8% | $544.7M+11.4% | $528.8M+10.3% | $512.4M+9.0% | $505.6M+11.4% |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt, Retained Earnings.
SMBC Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $14.0M-48.9% | $29.0M+20.3% | $21.3M+5.5% | $16.3M+63.1% | $27.3M+79.5% | $24.1M+0.9% | $20.1M+18.8% | $10.0M-29.7% |
| Capital Expenditures | $1.5M+2.0% | $456K-66.8% | $1.1M-44.7% | $901K-37.0% | $1.5M-23.2% | $1.4M-68.2% | $2.0M+43.4% | $1.4M+0.3% |
| Free Cash Flow | $12.5M-51.8% | $28.5M+25.6% | $20.2M+11.0% | $15.4M+79.9% | $25.8M+94.4% | $22.7M+16.1% | $18.2M+16.6% | $8.6M-33.0% |
| Investing Cash Flow | -$98.0Mn/m | -$93.4M-891.6% | -$28.3Mn/m | -$83.9Mn/m | -$78.7Mn/m | $11.8Mn/m | -$117.5Mn/m | -$100.6Mn/m |
| Financing Cash Flow | $81.9M+371.2% | $23.3M-48.3% | $17.0M-89.9% | -$1.1M-101.1% | $17.4Mn/m | $45.2Mn/m | $167.9M+11.6% | $105.1M+12.2% |
| Dividends Paid | $2.7M+5.8% | $2.8M+7.1% | $2.8M+7.5% | $2.8M+8.7% | $2.6M+9.0% | $2.6M+8.8% | $2.6M+9.0% | $2.6M+9.0% |
Not reported in any period shown, so not listed: Depreciation & Amortization, Stock-Based Compensation, Share Buybacks.
SMBC Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 39.2%+6.0pp | 35.4%+1.4pp | 36.6%+4.0pp | 31.9%+3.5pp | 33.1%+1.6pp | 34.0%+5.8pp | 32.6%+2.2pp | 28.4%-3.5pp |
| Return on Equity | 3.4%+0.5pp | 3.1%+0.1pp | 3.2%+0.3pp | 2.8%+0.3pp | 2.9%+0.1pp | 3.0%+0.6pp | 2.9%+0.3pp | 2.5%-0.4pp |
| Return on Assets | 0.4%+0.1pp | 0.4%0.0pp | 0.4%+0.1pp | 0.3%+0.1pp | 0.3%0.0pp | 0.3%+0.1pp | 0.3%0.0pp | 0.3%0.0pp |
| Liabilities-to-Equity | 7.87-0.4x | 7.96-0.4x | 7.98-0.6x | 7.99-0.4x | 8.22-0.2x | 8.41-0.3x | 8.58-0.3x | 8.35-0.5x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 24.1%-30.2pp | 56.8%+7.6pp | 40.6%+0.3pp | 31.4%+11.9pp | 54.3%+23.3pp | 49.3%+0.4pp | 40.3%+1.5pp | 19.5%-11.5pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it. Market cap is stated at each company's latest close.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Southern Missouri Bancorp SMBC | FY2026 | $200.6M | $71.8M | 35.8% | $778.6M | 66/100 |
| Shore Bancshares Inc SHBI | FY2025 | $225.1M | $59.5M | 26.4% | $746.9M | 40/100 |
| SmartFinancial, Inc. SMBK | FY2025 | $200.5M | $50.3M | 25.1% | $828.8M | 48/100 |
| First Financial Corporation THFF | FY2025 | $261.8M | $79.2M | 30.3% | $910.3M | 62/100 |
| Orrstown Financial Services Inc ORRF | FY2025 | $252.1M | $80.9M | 32.1% | $863.9M | 54/100 |
| South Plains Financial, Inc. SPFI | FY2025 | $211.9M | $58.5M | 27.6% | $829.1M | 57/100 |
Where Southern Missouri Bancorp Ranks
Frequently Asked Questions
Southern Missouri Bancorp (SMBC) reported $200.6M in total revenue for fiscal year 2026. This represents a 9.9% 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.
Southern Missouri Bancorp (SMBC) revenue grew by 9.9% year-over-year, from $182.6M to $200.6M in fiscal year 2026.
Yes, Southern Missouri Bancorp (SMBC) reported a net income of $71.8M in fiscal year 2026, with a net profit margin of 35.8%.
Southern Missouri Bancorp (SMBC) had a net profit margin of 35.8% in fiscal year 2026, representing the share of revenue converted into profit after all expenses.
Yes, Southern Missouri Bancorp (SMBC) paid $1.00 per share in dividends during fiscal year 2026.
Southern Missouri Bancorp (SMBC) has a return on equity of 12.2% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.
Southern Missouri Bancorp (SMBC) generated $76.6M in free cash flow during fiscal year 2026. This represents a 1.7% 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.
Southern Missouri Bancorp (SMBC) generated $80.5M in operating cash flow during fiscal year 2026, representing cash generated from core business activities.
Southern Missouri Bancorp (SMBC) had $5.2B in total assets as of fiscal year 2026, including both current and long-term assets.
Southern Missouri Bancorp (SMBC) invested $4.0M in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.
Southern Missouri Bancorp (SMBC) had a liabilities-to-equity ratio of 7.87 as of fiscal year 2026, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2026, because the filing data we hold for that year carries no long-term debt figure.
Southern Missouri Bancorp (SMBC) had a return on assets of 1.4% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.
Southern Missouri Bancorp (SMBC) trades at 10.8x earnings, its market capitalization divided by $71.8M net income, FY2026. The market capitalization is $778.6M as of Oct 30, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
Southern Missouri Bancorp (SMBC) trades at 3.9x sales, its market capitalization divided by $200.6M revenue, FY2026. The market capitalization is $778.6M as of Oct 30, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
Southern Missouri Bancorp (SMBC) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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.
Southern Missouri Bancorp (SMBC) scores 66 out of 100 on our Financial Health Score, indicating strong standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For Southern Missouri Bancorp it averages the 5 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.