SOUTHERN MISSOURI BANCORP, INC.
SOUTHERN MISSOURI BANCORP, INC.
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Financial Statements
Values in Millions ($) | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash And Cash Equivalents At Carrying Value | 93 | 134 | 124 | 193 | 227 | 146 | 75 | 61 | 168 | 216 | 88 | 54 | |||||
Debt Securities Available For Sale Excluding Accru… | 439 | 445 | 454 | 461 | 463 | 468 | 420 | 428 | 434 | 417 | 405 | 418 | |||||
Federal Home Loan Bank Stock | 10 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 11 | 12 | |||||
Federal Reserve Bank Stock | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | |||||
Assets | |||||||||||||||||
Assets | 5,141 | 5,094 | 5,036 | 5,020 | 4,976 | 4,908 | 4,729 | 4,604 | 4,647 | 4,644 | 4,470 | 4,360 | |||||
Trade And Loans Receivables Held For Sale Net Not … | 1 | 1 | 0 | 0 | - | - | - | - | - | - | - | - | |||||
Financing Receivable Excluding Accrued Interest Af… | 4,266 | 4,172 | 4,140 | 4,049 | 3,969 | 3,972 | 3,912 | 3,797 | 3,720 | 3,682 | 3,651 | 3,571 | |||||
Interest Receivable | 28 | 33 | 31 | 26 | 26 | 28 | 29 | 24 | 22 | 24 | 24 | 19 | |||||
Property Plant And Equipment Net | 93 | 95 | 95 | 96 | 96 | 96 | 96 | 96 | 96 | 95 | 95 | 92 | |||||
Bank Owned Life Insurance | 77 | 77 | 76 | 76 | 75 | 75 | 74 | 74 | 73 | 73 | 72 | 72 | |||||
Goodwill | 51 | 51 | 51 | 51 | 51 | 51 | 51 | 51 | 51 | 51 | 51 | 51 | |||||
Other Intangible Assets Net | 21 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 27 | 28 | 29 | 30 | |||||
Prepaid Expense And Other Assets | 53 | 47 | 25 | 26 | 28 | 29 | 28 | 29 | 38 | 38 | 35 | 32 | |||||
Deposits | 4,341 | 4,308 | 4,280 | 4,281 | 4,261 | 4,211 | 4,040 | 3,943 | 3,996 | 3,995 | 3,841 | 3,726 | |||||
Securities Sold Under Agreements To Repurchase | 20 | 20 | 20 | 15 | 15 | 15 | 15 | 9 | - | - | - | - | |||||
Liabilities | 4,568 | 4,527 | 4,476 | 4,475 | 4,448 | 4,395 | 4,224 | 4,116 | 4,167 | 4,173 | 4,016 | 3,914 | |||||
Advances From Federal Home Loan Banks | 105 | 102 | 102 | 104 | 104 | 107 | 107 | 102 | 102 | 113 | 114 | 134 | |||||
Accounts Payable And Other Accrued Liabilities | 67 | 59 | 35 | 37 | 34 | 29 | 27 | 25 | 35 | 32 | 31 | 27 | |||||
Interest Payable Current | 12 | 14 | 15 | 14 | 10 | 11 | 12 | 13 | 12 | 11 | 7 | 5 | |||||
Subordinated Debt | 23 | 23 | 23 | 23 | 23 | 23 | 23 | 23 | 23 | 23 | 23 | 23 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Liabilities And Stockholders Equity | 5,141 | 5,094 | 5,036 | 5,020 | 4,976 | 4,908 | 4,729 | 4,604 | 4,647 | 4,644 | 4,470 | 4,360 | |||||
Common Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Additional Paid In Capital | 223 | 222 | 221 | 221 | 221 | 220 | 220 | 220 | 220 | 219 | 219 | 218 | |||||
Retained Earnings Unappropriated | 403 | 388 | 372 | 360 | 346 | 333 | 321 | 311 | 300 | 291 | 281 | 271 | |||||
Treasury Stock Common Value | -43 | -33 | -25 | -25 | -25 | -25 | -25 | -25 | -21 | -21 | -21 | -21 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -9 | -9 | -8 | -11 | -14 | -16 | -11 | -17 | -19 | -19 | -25 | -22 | |||||
Stockholders Equity | 574 | 567 | 560 | 545 | 529 | 512 | 506 | 489 | 480 | 470 | 454 | 446 | |||||
Loans And Leases Receivable Allowance | - | - | - | - | - | - | - | - | - | - | 49 | 48 | |||||
Financing Receivable Allowance For Credit Loss Exc… | 56 | 54 | 52 | 52 | 55 | 55 | 54 | 53 | 51 | 50 | 49 | 48 | |||||
Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |||||
Common Stock Shares Authorized | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | |||||
Common Stock Shares Issued | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | |||||
Treasury Stock Common Shares | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 5.70% | 13.32% | 13.94% | -5.11% | -4.30% | 3.10% | 0.14% | 11.29% | 12.57% | - | - | - |
| 2025 | -1.63% | -15.41% | -11.43% | -8.49% | -21.03% | -11.54% | -2.00% | 7.22% | -3.22% | -8.93% | -7.32% | -0.06% |
| 2024 | 10.58% | 28.40% | 19.48% | -1.15% | 2.19% | -4.29% | 0.53% | 7.45% | 25.33% | -0.07% | 6.30% | 19.35% |
| 2023 | - | - | - | - | - | - | 22.12% | 20.81% | 46.79% | -1.22% | 7.72% | 12.60% |
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Performance and Valuation Metrics
Metrics | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.51 | -0.51 | -0.52 | -0.52 | -0.52 | -0.10 | 0.37 | 0.94 | 1.67 | 1.66 | 1.82 | 2.00 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 6.08 | 5.84 | 5.48 | - | 5.00 | 4.61 | 4.40 | - | 4.62 | 3.83 | 3.79 | - | |||||
| Free Cash Flow Per Share TTM | 8.15 | 7.54 | 7.30 | 6.70 | 5.58 | 5.31 | 5.08 | 5.42 | 6.08 | 5.08 | 5.50 | 5.53 | |||||
| Dividend Per Share TTM | 0.99 | 0.97 | 0.94 | 0.92 | 0.90 | 0.89 | 0.87 | 0.84 | 0.84 | 0.84 | 0.80 | 0.85 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 58.84% | 57.76% | 56.67% | 55.74% | 55.04% | 54.39% | 54.63% | 56.16% | 45.80% | 48.71% | 51.13% | 53.93% | |||||
| Operating Profit Margin TTM | 29.01% | 28.37% | 27.42% | 26.68% | 26.46% | 24.91% | 24.18% | 25.41% | 19.39% | 14.40% | 8.34% | 0.00% | |||||
| Net Profit Margin TTM | 23.48% | 22.83% | 21.83% | 21.12% | 20.75% | 19.57% | 19.21% | 20.20% | 21.94% | 19.49% | 21.44% | 22.24% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 5.70% | 7.66% | 9.85% | 11.67% | 14.04% | 19.46% | 29.13% | 40.79% | 54.83% | 66.16% | 62.21% | 50.95% | |||||
| Net Income Growth (1Y) | 19.57% | 25.64% | 24.82% | 16.73% | 7.88% | 19.94% | 15.67% | 27.89% | 42.02% | -0.89% | -2.82% | -16.82% | |||||
| EPS Growth (1Y) | 21.70% | 26.51% | 24.53% | 17.33% | 8.49% | 20.54% | 16.34% | 14.67% | 36.27% | -19.32% | -20.89% | -26.11% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 10.44 | 10.03 | 9.45 | 10.33 | 10.16 | 12.10 | 12.45 | 9.80 | 9.11 | 13.33 | 9.73 | 9.42 | |||||
| P/B TTM | 1.23 | 1.15 | 1.04 | 1.11 | 1.08 | 1.23 | 1.22 | 1.01 | 0.99 | 1.23 | 0.92 | 0.83 | |||||
| P/S TTM | 2.45 | 2.29 | 2.06 | 2.18 | 2.11 | 2.37 | 2.39 | 1.98 | 2.00 | 2.60 | 2.09 | 2.09 | |||||
| Market Cap | 703.34M | 654.41M | 583.99M | 605.26M | 572.52M | 628.61M | 616.28M | 491.98M | 475.75M | 577.43M | 416.33M | 369.46M | |||||
| Enterprise Value | 610.31M | 520.35M | 459.88M | 412.40M | 345.63M | 482.77M | 540.93M | 431.08M | 307.48M | 361.07M | 328.14M | 315.48M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 89.94M | 84.13M | 82.13M | 75.29M | 62.75M | 59.59M | 57.00M | 61.22M | 68.77M | 57.35M | 62.10M | 55.98M | |||||
| Net Debt | -93.04M | -134.06M | -124.11M | -192.86M | -226.89M | -145.83M | -75.35M | -60.90M | -168.27M | -216.35M | -88.19M | -53.98M | |||||
Per-Share and Margin | |||||||||||||||||
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Turnover Ratios and Averages | |||||||||||||||||
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Growth Rates | |||||||||||||||||
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| Net Profit Margin Growth (1Y) | |||||||||||||||||
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| Net Revenue Growth (3Y) | |||||||||||||||||
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| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
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| Net Working Capital | |||||||||||||||||
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Valuation Ratios | |||||||||||||||||
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| Total Debt | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
SOUTHERN MISSOURI BANCORP, INC. (SMBC) — SEC Financial Statements & Analysis
SOUTHERN MISSOURI BANCORP, INC. (SMBC) is a savings institutions, not federally chartered company, incorporated in MO. SOUTHERN MISSOURI BANCORP, INC. trades on Nasdaq as: SMBC. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), SOUTHERN MISSOURI BANCORP, INC. reported a 5.70% year-over-year revenue growth, a Gross Profit Margin of 58.84% (TTM), a Price-to-Sales (P/S) ratio of 2.45x (TTM), a Price-to-Book (P/B) ratio of 1.23 (TTM), at a market cap of $703.34M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 5.70%
- Gross Profit Margin TTM
- 58.84%
- P/S TTM
- 2.45x
- P/B TTM
- 1.23
- Market Cap
- $703.34M
Data as of 2026-03-31 · Source: SEC EDGAR
Frequently Asked Questions
What industry is SOUTHERN MISSOURI BANCORP, INC. in?
SOUTHERN MISSOURI BANCORP, INC. (SMBC) operates in the Savings Institutions, Not Federally Chartered industry.
What is SMBC's market cap?
SOUTHERN MISSOURI BANCORP, INC. (SMBC) has a market capitalization of $703.34M as of 2026-03-31.
What is SMBC's P/E ratio?
SOUTHERN MISSOURI BANCORP, INC. (SMBC)'s trailing twelve month P/E ratio is 10.44x as of 2026-03-31.
What exchange does SMBC trade on?
SOUTHERN MISSOURI BANCORP, INC. (SMBC) trades on the Nasdaq.
Where is SOUTHERN MISSOURI BANCORP, INC. incorporated?
SOUTHERN MISSOURI BANCORP, INC. is incorporated in MO.