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

Southern Missouri Bancorp (SMBC) reported diluted earnings per share of $6.43 for fiscal year 2026. This represents a 24.1% 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 (SMBC) Financials

SMBC

FY2026 annual

Revenue $200.6M +9.9% YoY

Net Income $71.8M +22.6% YoY

EPS (Diluted) $6.43 +24.1% YoY

Free Cash Flow $76.6M +1.7% YoY

Market Cap $806.7M as of Sep 12, 2026

Price / Sales 4.0x on $200.6M revenue, FY2026

Price / Earnings 11.2x on $71.8M net income, FY2026

Price / Book 1.4x on $590.7M equity, Q4 FY2026

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 Sep 12, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period FY2026, ended Jun 30, 2026 Reported Sep 11, 2026 Currency USD FYE June

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).

Rhea AI SMBC FY2026 2026-09-11

Profit recovery is being reinforced by operating leverage, low capital spending, and a gradually less leveraged balance-sheet structure.

Since FY2024, revenue expanded while net margin rose from 30.5% to 35.8%. With SG&A roughly flat at about $102M through FY2026, the pattern points to operating leverage rather than a simple sales-volume effect.

The balance sheet expanded, but equity grew faster than liabilities from FY2024 to FY2026, pushing debt-to-equity down from 8.4x to 7.9x. That is a gradual strengthening of the capital cushion even as the institution continued expanding its asset base.

In FY2026, operating cash flow of $80.5M exceeded net income of $71.8M, while free cash flow remained close to it. The narrow cash-flow gap indicates reported earnings are converting into cash without heavy fixed-asset reinvestment; capital expenditures were only $4.0M.

Financial Health Signals

Financial Health Score 55/100

Scored as: Banks peer group

Scored against banks for FY2026. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. 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.

Earnings

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.

Growth

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 61/100 among other banks.

Capital

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 50/100 among other banks.

Efficiency

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.

Credit Quality

Not available for Southern Missouri Bancorp, and counted as zero in the overall score.

Stability

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 57/100 among other banks.

Piotroski F-Score Partial

6/6

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, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.12x

For every $1 of reported earnings, Southern Missouri Bancorp generates $1.12 in operating cash flow ($80.5M OCF vs $71.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$51.8M

YoY+8.7%

QoQ+3.0%

5Y CAGR+12.4%

10Y CAGR+13.6%

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%.

Net Income

$20.3M

YoY+28.5%

QoQ+14.2%

5Y CAGR+8.2%

10Y CAGR+18.6%

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%.

EPS (Diluted)

$1.84

YoY+32.4%

QoQ+15.0%

5Y CAGR+3.8%

10Y CAGR+14.1%

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%.

EBITDA

Not reported for Q4 2026.

Cash & Balance Sheet

Free Cash Flow

$12.5M

YoY-51.8%

QoQ-56.3%

5Y CAGR-6.8%

10Y CAGR+13.0%

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%.

Cash & Debt

$91.0M

YoY-52.8%

QoQ-2.2%

5Y CAGR-5.9%

10Y CAGR+15.0%

Southern Missouri Bancorp held $91.0M in cash as of Q4 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.25

YoY+8.7%

QoQ0.0%

5Y CAGR+9.3%

10Y CAGR+10.8%

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.

Shares Outstanding

11M

YoY-2.5%

QoQ0.0%

5Y CAGR+4.4%

10Y CAGR+4.0%

Southern Missouri Bancorp had 11M shares outstanding in Q4 2026. This represents a decrease of 2.5% from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

39.2%

YoY+6.0pp

QoQ+3.8pp

5Y change-8.4pp

10Y change+13.7pp

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.

Return on Equity

3.4%

YoY+0.5pp

QoQ+0.3pp

5Y change-1.4pp

10Y change+0.5pp

Southern Missouri Bancorp's ROE was 3.4% in Q4 2026, measuring profit generated per dollar of shareholder equity. 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.

Gross Margin

Not reported for Q4 2026.

Operating Margin

Not reported for Q4 2026.

Capital Allocation

Capital Expenditures

$1.5M

YoY+2.0%

QoQ+230.0%

5Y CAGR+0.5%

10Y CAGR+3.5%

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%.

R&D Spending

Not reported for Q4 2026.

Share Buybacks

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.

SMBC quarterly income statement

Metric	FY2610-K	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Revenue	$200.6M+9.9%	$182.6M+11.1%	$164.3M+7.4%	$152.9M+22.6%	$124.8M+10.7%	$112.7M+18.8%	$94.9M+10.5%	$85.9M+14.9%	$74.8M+20.2%	$62.2M+9.7%	$56.7M+2.7%	$55.2M+41.1%	$39.1M+17.6%	$33.3M+0.5%	$33.1M
SG&A Expenses	$102.1M0.0%	$102.1M+4.6%	$97.6M+12.9%	$86.4M+36.4%	$63.4M+17.3%	$54.0M-0.7%	$54.5M+13.7%	$47.9M+11.4%	$43.0M+12.3%	$38.3M+17.0%	$32.7M+1.2%	$32.3M+36.5%	$23.6M+35.0%	$17.5M+5.5%	$16.6M
Interest Expense	$116.1M-5.4%	$122.7M+12.7%	$108.9M+119.2%	$49.7M+273.5%	$13.3M-20.8%	$16.8M-37.6%	$26.9M+9.0%	$24.7M+67.0%	$14.8M+42.7%	$10.4M+10.7%	$9.4M+6.8%	$8.8M+17.1%	$7.5M-0.2%	$7.5M-24.6%	$9.9M
Income Tax	$15.3M-1.0%	$15.4M+19.2%	$12.9M+26.4%	$10.2M-19.7%	$12.7M+1.7%	$12.5M+81.9%	$6.9M-2.3%	$7.0M-9.7%	$7.8M+28.7%	$6.1M-2.3%	$6.2M	N/A	-$455K-187.6%	$519K+650.4%	-$94K
Net Income	$71.8M+22.6%	$58.6M+16.7%	$50.2M+27.9%	$39.2M-16.8%	$47.2M0.0%	$47.2M+71.3%	$27.5M-4.7%	$28.9M+38.1%	$20.9M+34.6%	$15.6M+4.7%	$14.8M+8.6%	$13.7M+35.6%	$10.1M+0.1%	$10.1M-0.3%	$10.1M
EPS (Basic)	$6.44+24.1%	$5.19+17.4%	$4.42+14.5%	$3.86-26.1%	$5.220.0%	$5.22+74.0%	$3.00-4.5%	$3.14+30.8%	$2.40+15.4%	$2.08+4.5%	$1.99+8.2%	$1.84+23.5%	$1.49+0.7%	$1.48-56.9%	$3.43
EPS (Diluted)	$6.43+24.1%	$5.18+17.2%	$4.42+14.8%	$3.85-26.1%	$5.21-0.2%	$5.22+74.6%	$2.99-4.8%	$3.14+31.4%	$2.39+15.5%	$2.07+4.5%	$1.98+10.6%	$1.79	$1.45+0.7%	$1.44	$3.32
Diluted Shares (Avg)	11M-1.1%	11M-0.4%	11M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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%
SG&A Expenses	$25.5M-1.7%	$26.2M+3.3%	$25.3M+1.6%	$25.1M-3.1%	$26.0M+3.9%	$25.4M+1.4%	$24.9M+4.3%	$25.8M+9.0%
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, Operating Income, EBITDA.

SMBC Balance Sheet

SMBC quarterly balance sheet

Metric	FY2610-K	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Total Assets	$5.2B+4.3%	$5.0B+9.0%	$4.6B+5.6%	$4.4B+35.6%	$3.2B+19.0%	$2.7B+6.2%	$2.5B+14.8%	$2.2B+17.4%	$1.9B+10.4%	$1.7B+21.6%	$1.4B+8.0%	$1.3B+27.3%	$1.0B+28.3%	$796.4M+7.7%	$739.2M
Cash & Equivalents	$91.0M-52.8%	$192.9M+216.7%	$60.9M+12.8%	$54.0M-37.8%	$86.8M-29.8%	$123.6M+127.8%	$54.2M+53.2%	$35.4M+34.5%	$26.3M-14.5%	$30.8M+36.5%	$22.6M+34.5%	$16.8M+12.3%	$14.9M+16.8%	$12.8M-61.7%	$33.4M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$50.7M0.0%	$50.7M0.0%	$50.7M-0.1%	$50.8M+86.1%	$27.3M+93.7%	$14.1M0.0%	$14.1M0.0%	$14.1M+7.7%	$13.1M+51.5%	$8.6M+89.4%	$4.6M0.0%	$4.6M+184.8%	$1.6M+1166.0%	$126K	N/A
Total Liabilities	$4.6B+3.8%	$4.5B+8.7%	$4.1B+5.1%	$3.9B+35.3%	$2.9B+19.7%	$2.4B+5.8%	$2.3B+15.6%	$2.0B+17.2%	$1.7B+9.8%	$1.5B+20.1%	$1.3B+9.5%	$1.2B+28.2%	$910.3M+31.1%	$694.6M+7.8%	$644.5M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	$2.3B+15.6%	$2.0B+17.2%	$1.7B+9.8%	$1.5B	N/A	N/A	N/A	N/A	N/A
Non-Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0	$0	$0	N/A	N/A	N/A	N/A	N/A
Total Equity	$590.7M+8.4%	$544.7M+11.4%	$488.7M+9.6%	$446.1M+39.1%	$320.8M+13.2%	$283.4M+9.7%	$258.3M+8.4%	$238.4M+18.8%	$200.7M+16.0%	$173.1M+37.4%	$126.0M-5.0%	$132.6M+19.4%	$111.1M+9.1%	$101.8M+7.5%	$94.7M

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%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
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, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt, Retained Earnings.

SMBC Cash Flow Statement

SMBC quarterly cash flow statement

Metric	FY2610-K	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Operating Cash Flow	$80.5M-1.3%	$81.6M+16.1%	$70.3M+13.3%	$62.0M-7.9%	$67.3M+30.1%	$51.8M+28.4%	$40.3M+4.4%	$38.6M+26.0%	$30.6M+19.6%	$25.6M+45.0%	$17.7M-11.3%	$19.9M+49.3%	$13.3M-12.5%	$15.3M+107.5%	$7.4M
Depreciation & Amortization	N/A	N/A	N/A	$7.6M+27.6%	$5.9M+9.2%	$5.4M-2.3%	$5.6M+9.5%	$5.1M+10.9%	$4.6M+17.5%	$3.9M+10.0%	$3.5M+9.2%	$3.2M+48.3%	$2.2M+39.3%	$1.6M+15.7%	$1.4M
Capital Expenditures	$4.0M-36.8%	$6.3M-30.8%	$9.0M+49.8%	$6.0M+30.8%	$4.6M+61.7%	$2.9M-33.6%	$4.3M-44.1%	$7.7M+260.0%	$2.1M-29.5%	$3.0M-69.1%	-$9.8M+31.3%	-$7.5M+31.6%	-$5.7M-24.8%	$7.6M+78.8%	-$4.2M
Free Cash Flow	$76.6M+1.7%	$75.3M+23.0%	$61.2M+9.4%	$56.0M-10.7%	$62.7M+28.3%	$48.9M+35.9%	$36.0M+16.5%	$30.9M+8.4%	$28.5M+26.2%	$22.6M+187.7%	$7.8M-36.9%	$12.4M+62.4%	$7.7M-0.5%	$7.7M+146.4%	$3.1M
Investing Cash Flow	-$303.6M-6.5%	-$285.1M-16.0%	-$245.7M-15.1%	-$213.4M+29.8%	-$303.9M-198.2%	-$101.9M+62.6%	-$272.4M-141.0%	-$113.0M-4.2%	-$108.5M+11.9%	-$123.1M-22.7%	-$100.3M-281.5%	-$26.3M+69.2%	-$85.5M-2.6%	-$83.3M-58.4%	-$52.6M
Financing Cash Flow	$121.2M-63.9%	$335.5M+83.9%	$182.4M+53.8%	$118.6M-40.7%	$199.8M+67.2%	$119.5M-52.4%	$250.9M+200.6%	$83.5M+13.8%	$73.4M-30.6%	$105.7M+19.6%	$88.4M+975.5%	$8.2M-88.9%	$74.3M+56.7%	$47.4M+5.9%	$44.8M
Dividends Paid	$11.1M+7.3%	$10.4M+8.9%	$9.5M+10.4%	$8.6M+20.0%	$7.2M+28.5%	$5.6M+1.5%	$5.5M+15.7%	$4.8M+24.5%	$3.8M	N/A	N/A	N/A	N/A	N/A	N/A

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	-$98.0M-24.4%	-$93.4M-891.6%	-$28.3M+75.9%	-$83.9M+16.6%	-$78.7M-7.2%	$11.8M+119.9%	-$117.5M-200.0%	-$100.6M-36.6%
Financing Cash Flow	$81.9M+371.2%	$23.3M-48.3%	$17.0M-89.9%	-$1.1M-101.1%	$17.4M+135.4%	$45.2M+459.3%	$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.

SMBC quarterly financial ratios

Metric	FY2610-K	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Net Margin	35.8%+3.7pp	32.1%+1.5pp	30.5%+4.9pp	25.7%-12.2pp	37.8%-4.0pp	41.9%+12.8pp	29.0%-4.6pp	33.7%+5.7pp	28.0%+3.0pp	25.0%-1.2pp	26.2%+1.4pp	24.8%-1.0pp	25.8%-4.5pp	30.3%-0.3pp	30.5%
Return on Equity	12.2%+1.4pp	10.8%+0.5pp	10.3%+1.5pp	8.8%-5.9pp	14.7%-2.0pp	16.7%+6.0pp	10.7%-1.5pp	12.1%+1.7pp	10.4%+1.4pp	9.0%-2.8pp	11.8%+1.5pp	10.3%+1.2pp	9.1%-0.8pp	9.9%-0.8pp	10.7%
Return on Assets	1.4%+0.2pp	1.2%+0.1pp	1.1%+0.2pp	0.9%-0.6pp	1.5%-0.3pp	1.8%+0.7pp	1.1%-0.2pp	1.3%+0.2pp	1.1%+0.2pp	0.9%-0.1pp	1.1%0.0pp	1.1%+0.1pp	1.0%-0.3pp	1.3%-0.1pp	1.4%
Debt-to-Equity	7.87-0.4x	8.22-0.2x	8.42-0.4x	8.78-0.2x	9.02+0.5x	8.53-0.3x	8.84+0.6x	8.29-0.1x	8.40-0.5x	8.87-1.3x	10.15+1.3x	8.80+0.6x	8.19+1.4x	6.820.0x	6.80
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	38.2%-3.1pp	41.2%+4.0pp	37.3%+0.7pp	36.6%-13.7pp	50.3%+6.9pp	43.4%+5.4pp	37.9%+2.0pp	36.0%-2.1pp	38.1%+1.8pp	36.3%+22.5pp	13.8%-8.7pp	22.5%+3.0pp	19.6%-3.6pp	23.1%+13.7pp	9.4%

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
Debt-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.

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.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Southern Missouri Bancorp SMBC	FY2026	$200.6M	$71.8M	35.8%	$806.7M	55/100
First Financial Corporation THFF	FY2025	$261.8M	$79.2M	30.3%	$925.7M	51/100
Independent Bank Corp. IBCP	FY2025	$225.7M	$68.5M	30.4%	$822.9M	48/100
South Plains Financial, Inc. SPFI	FY2025	$211.9M	$58.5M	27.6%	$843.2M	48/100
SmartFinancial, Inc. SMBK	FY2025	$200.5M	$50.3M	25.1%	$893.2M	48/100
Eagle Bancorp Inc EGBN	FY2025	$299.2M	-$138.1M	-46.1%	$841.4M	18/100

Where Southern Missouri Bancorp Ranks

Frequently Asked Questions

What is Southern Missouri Bancorp's annual revenue?

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.

How fast is Southern Missouri Bancorp's revenue growing?

Southern Missouri Bancorp (SMBC) revenue grew by 9.9% year-over-year, from $182.6M to $200.6M in fiscal year 2026.

Is Southern Missouri Bancorp profitable?

Yes, Southern Missouri Bancorp (SMBC) reported a net income of $71.8M in fiscal year 2026, with a net profit margin of 35.8%.

What is Southern Missouri Bancorp's net profit margin?

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.

Does Southern Missouri Bancorp pay dividends?

Yes, Southern Missouri Bancorp (SMBC) paid $1.00 per share in dividends during fiscal year 2026.

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

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.

What is Southern Missouri Bancorp's free cash flow?

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.

What is Southern Missouri Bancorp's operating cash flow?

Southern Missouri Bancorp (SMBC) generated $80.5M in operating cash flow during fiscal year 2026, representing cash generated from core business activities.

What are Southern Missouri Bancorp's total assets?

Southern Missouri Bancorp (SMBC) had $5.2B in total assets as of fiscal year 2026, including both current and long-term assets.

What are Southern Missouri Bancorp's capital expenditures?

Southern Missouri Bancorp (SMBC) invested $4.0M in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.

How many shares does Southern Missouri Bancorp have outstanding?

Southern Missouri Bancorp (SMBC) had 11M shares outstanding as of fiscal year 2026.

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

Southern Missouri Bancorp (SMBC) had a debt-to-equity ratio of 7.87 as of fiscal year 2026, measuring the company's financial leverage by comparing total debt to shareholder equity.

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

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.

What is Southern Missouri Bancorp's P/E ratio?

Southern Missouri Bancorp (SMBC) trades at 11.2x earnings, its market capitalization divided by net income of $71.8M net income, FY2026. The market capitalization is $806.7M as of Sep 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Southern Missouri Bancorp's price-to-sales ratio?

Southern Missouri Bancorp (SMBC) trades at 4.0x sales, its market capitalization divided by revenue of $200.6M revenue, FY2026. The market capitalization is $806.7M as of Sep 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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

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.

Are Southern Missouri Bancorp's earnings high quality?

Southern Missouri Bancorp (SMBC) has an earnings quality ratio of 1.12x, 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?

Southern Missouri Bancorp (SMBC) scores 55 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite 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. 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.