Southern Missouri Bancorp, Inc.(SMBC)Earnings, Financials & Key Ratios

SMBC•NASDAQ•Banking & Credit

14.0× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryCommunity and retail regional banks

AboutSouthern Missouri Bancorp, Inc. operates as the bank holding company for Southern Bank that provides banking and financial services to individuals and corporate customers in the United States. The company offers business banking, business financing, and business services. It also provides personal banking services, which include online and mobile banking, checking and savings, mortgage and refinance, and loans and credit services. In addition, the company offers investing and insurance services. Further, it provides accounts and digital banking services; and debit or credit cards. As of June 30, 2021, the company operated 46 full-service branch offices, and two limited-service branch offices located in Poplar Bluff, Van Buren, Dexter, Kennett, Doniphan, Sikeston, Qulin, Matthews, Springfield, Thayer, West Plains, Alton, Clever, Forsyth, Fremont Hills, Kimberling City, Ozark, Nixa, Rogersville, Marshfield, Cape Girardeau, Jackson, Gideon, Chaffee, Benton, Advance, Bloomfield, Essex, and Rolla, Missouri; Jonesboro, Paragould, Batesville, Searcy, Bald Knob, Bradford, and Cabot, Arkansas; and Anna, Cairo, and Tamms, Illinois. Southern Missouri Bancorp, Inc. was founded in 1887 and is headquartered in Poplar Bluff, Missouri.Show more

Net Interest Income$155M+10.8%
Total Revenue$305M+11.7%
Net Income$58M+16.2%
Return on Equity11.29%+5.1%
Net Interest Margin3.08%+1.7%
Efficiency Ratio33.44%-6.4%
ROA1.21%+8.2%
Equity / Assets10.85%+2.2%
Book Value per Share48.35+11.8%

SMBC Key Insights

Southern Missouri Bancorp, Inc. (SMBC) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Strong 5Y profit CAGR of 16.2%
✓Strong Piotroski F-Score: 8/9
✓Efficient operations: 33.4% efficiency ratio
✓14 consecutive years of dividend growth
✓Well capitalized: 10.9% equity/assets
✓Trading near 52-week high

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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SMBC Price & Volume

Southern Missouri Bancorp, Inc. (SMBC) stock price & volume — 10-year historical chart

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SMBC Growth Metrics

Southern Missouri Bancorp, Inc. (SMBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years17.1%

5 Years20.17%

3 Years30.27%

TTM-

Profit CAGR

10 Years15.61%

5 Years16.18%

3 Years7.33%

TTM25.51%

EPS CAGR

10 Years11.21%

5 Years11.62%

3 Years-0.19%

TTM26.2%

Return on Capital

10 Years11.3%

5 Years12.52%

3 Years10.18%

Last Year10.98%

SMBC Recent Earnings

Southern Missouri Bancorp, Inc. (SMBC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 8/12 qtrs (80%)●Beat Revenue 4/12 qtrs (44%)

Q2 2026Latest

Apr 22, 2026

Metric

Actual

Est

EPS

$1.60+3.2%

$1.55

Rev

$50M+0.8%

$50M

Q1 2026

Jan 21, 2026

Metric

Actual

Est

EPS

$1.62+3.8%

$1.56

Rev

$50M-0.6%

$50M

Q4 2025

Oct 22, 2025

Metric

Actual

Est

EPS

$1.42+8.4%

$1.31

Rev

$49M-1.9%

$50M

Q4 2025

Sep 11, 2025

Metric

Actual

Est

EPS

$1.40

—

Rev

$78M

—

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 22, 2026	$1.60vs $1.55+3.2%	$50Mvs $50M+0.8%
Q1 2026	Jan 21, 2026	$1.62vs $1.56+3.8%	$50Mvs $50M-0.6%
Q4 2025	Oct 22, 2025	$1.42vs $1.31+8.4%	$49Mvs $50M-1.9%
Q4 2025	Sep 11, 2025	$1.40	$78M

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
FFINFirst Financial Bankshares, Inc.Direct Competitor	4.7B	32.78	18.52	11.71%	30.71%	14.16%	0.01
IBCPIndependent Bank CorporationDirect Competitor	706.3M	34.31	10.49	-0.3%	22.12%	14.2%	0.23
NBTBNBT Bancorp Inc.Direct Competitor	2.44B	46.68	14.02	10.36%	18.76%	9.51%	0.17
CVBFCVB Financial Corp.Direct Competitor	2.83B	20.81	13.69	-2.33%	32.48%	9.25%	0.43
SFNCSimmons First National CorporationDirect Competitor	3.18B	21.90	-7.42	-56.66%	-64.33%	-11.48%	0.19
UBSIUnited Bankshares, Inc.Direct Competitor	6.2B	44.42	13.58	12.33%	25.52%	8.6%	0.17
HOMBHome Bancshares, Inc.Product Competitor	5.47B	27.65	11.47	-5.35%	34.59%	11.43%	0.22
BOKFBOK Financial CorporationProduct Competitor	7.92B	130.33	14.20	-1.07%	17.38%	9.79%	0.78

Compare SMBC vs Peers

Southern Missouri Bancorp, Inc. (SMBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FFIN

Most directly comparable listed peer for SMBC.

Scale Benchmark

vs ICE

Larger-name benchmark to compare SMBC against a more recognizable public peer.

Peer Set

Compare Top 5

vs FFIN, IBCP, NBTB, CVBF

SMBC Income Statement

Southern Missouri Bancorp, Inc. (SMBC) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	Jun'17	Jun'18	Jun'19	Jun'20	Jun'21	Jun'22	Jun'23	Jun'24	Jun'25	TTM
Net Interest Income	51.12M	62.38M	72.78M	80.14M	92.69M	103.57M	126.75M	139.48M	154.62M	165.1M
NII Growth %	8.88%	22.03%	16.67%	10.1%	15.66%	11.74%	22.38%	10.05%	10.85%	57.42%
Net Interest Margin %	2.99%	3.31%	3.29%	3.15%	3.43%	3.22%	2.91%	3.03%	3.08%	3.24%
Interest Income	61.49M	77.17M	97.48M	107.05M	109.47M	116.87M	176.42M	248.38M	277.37M	285.82M
Interest Expense	10.37M	14.79M	24.7M	26.92M	16.79M	13.3M	49.67M	108.89M	122.75M	120.72M
Loan Loss Provision	2.34M	3.1M	2.18M	6.65M	-1.02M	1.49M	17.06M	3.6M	6.52M	7.93M
Non-Interest Income	9.93M	12.37M	13.09M	14.75M	20.04M	21.2M	26.2M	24.84M	27.88M	27.26M
Non-Interest Income %	13.91%	13.81%	11.84%	12.11%	15.47%	15.36%	12.93%	9.09%	9.13%	8.71%
Total Revenue	71.42M▲ 0%	89.54M▲ 25.4%	110.58M▲ 23.5%	121.8M▲ 10.2%	129.52M▲ 6.3%	138.07M▲ 6.6%	202.62M▲ 46.8%	273.22M▲ 34.8%	305.25M▲ 11.7%	313.08M▲ 0%
Revenue Growth %	9.7%	25.37%	23.49%	10.15%	6.33%	6.6%	46.75%	34.84%	11.72%	27.88%
Non-Interest Expense	37.1M	42.91M	47.74M	53.8M	54.05M	63.38M	86.42M	97.62M	102.08M	101.69M
Efficiency Ratio	51.95%	47.93%	43.18%	44.17%	41.73%	45.9%	42.65%	35.73%	33.44%	32.48%
Operating Income	21.61M▲ 0%	28.73M▲ 32.9%	35.95M▲ 25.1%	34.43M▼ 4.2%	59.7M▲ 73.4%	59.9M▲ 0.3%	49.46M▼ 17.4%	63.11M▲ 27.6%	73.99M▲ 17.2%	82.78M▲ 0%
Operating Margin %	30.26%	32.09%	32.51%	28.27%	46.1%	43.39%	24.41%	23.1%	24.24%	26.44%
Operating Income Growth %	0.39%	32.93%	25.13%	-4.23%	73.4%	0.33%	-17.43%	27.59%	17.25%	-
Pretax Income	21.61M▲ 0%	28.73M▲ 32.9%	35.95M▲ 25.1%	34.43M▼ 4.2%	59.7M▲ 73.4%	59.9M▲ 0.3%	49.46M▼ 17.4%	63.11M▲ 27.6%	73.99M▲ 17.2%	81.09M▲ 0%
Pretax Margin %	30.26%	32.09%	32.51%	28.27%	46.1%	43.39%	24.41%	23.1%	24.24%	25.9%
Income Tax	6.06M	7.8M	7.05M	6.89M	12.53M	12.73M	10.23M	12.93M	15.41M	15.83M
Effective Tax Rate %	28.05%	27.16%	19.6%	20%	20.98%	21.26%	20.67%	20.48%	20.83%	19.52%
Net Income	15.55M▲ 0%	20.93M▲ 34.6%	28.9M▲ 38.1%	27.55M▼ 4.7%	47.18M▲ 71.3%	47.17M▼ 0.0%	39.24M▼ 16.8%	50.18M▲ 27.9%	58.31M▲ 16.2%	65.2M▲ 0%
Net Margin %	21.77%	23.37%	26.14%	22.61%	36.43%	34.16%	19.36%	18.37%	19.1%	20.82%
Net Income Growth %	4.74%	34.57%	38.1%	-4.7%	71.28%	-0.02%	-16.82%	27.89%	16.21%	25.51%
Net Income (Continuing)	15.55M	20.93M	28.9M	27.55M	47.18M	47.17M	39.24M	50.18M	58.58M	65.27M
EPS (Diluted)	2.08▲ 0%	2.39▲ 14.9%	3.14▲ 31.4%	2.99▼ 4.8%	5.22▲ 74.6%	5.21▼ 0.2%	3.85▼ 26.1%	4.42▲ 14.8%	5.18▲ 17.2%	5.83▲ 0%
EPS Growth %	5.05%	14.9%	31.38%	-4.78%	74.58%	-0.19%	-26.1%	14.81%	17.19%	26.2%
EPS (Basic)	2.08	2.40	3.14	3.00	5.22	5.22	3.86	4.42	5.19	-
Diluted Shares Outstanding	7.51M	8.76M	9.2M	9.2M	9.01M	9.01M	11.33M	11.3M	11.27M	11.18M

SMBC Balance Sheet

Southern Missouri Bancorp, Inc. (SMBC) balance sheet — assets, liabilities & shareholders' equity

Metric	Jun'17	Jun'18	Jun'19	Jun'20	Jun'21	Jun'22	Jun'23	Jun'24	Jun'25	TTM
Cash & Short Term Investments	175.95M	174.6M	201.9M	231.74M	331.59M	326.95M	472.77M	489.3M	653.95M	1.9B
Cash & Due from Banks	31.53M	28.28M	36.37M	55.22M	124.57M	91.56M	55.22M	61.4M	193.1M	134.31M
Short Term Investments	144.42M	146.32M	165.53M	176.52M	207.02M	235.38M	417.55M	427.9M	460.84M	444.96M
Total Investments	1.54B	1.71B	2.01B	2.32B	2.41B	2.92B	3.99B	4.23B	4.51B	4.62B
Investments Growth %	21.94%	10.87%	17.68%	15.23%	3.83%	21.37%	36.52%	5.93%	6.75%	16.23%
Long-Term Investments	1.4B	1.56B	1.85B	2.14B	2.2B	2.69B	3.57B	3.8B	4.05B	16.33B
Accounts Receivables	6.77M	7.99M	10.19M	12.12M	10.08M	11.05M	18.87M	23.83M	4.05B	4.17B
Goodwill & Intangibles	15.39M	20M	23.33M	21.79M	21.22M	35.46M	81.25M	77.23M	73.72M	69.25M
Goodwill	8.63M	13.08M	14.09M	14.09M	14.09M	27.29M	50.77M	50.73M	50.73M	50.73M
Intangible Assets	6.76M	6.92M	9.24M	7.7M	7.13M	8.18M	30.47M	26.5M	22.99M	18.52M
PP&E (Net)	54.17M	54.83M	62.73M	65.11M	64.08M	71.35M	92.4M	95.95M	95.98M	94.56M
Other Assets	40.23M	46.77M	47.92M	54.12M	54.72M	60.39M	123.84M	120.72M	-4.05B	-4.17B
Total Current Assets	200.19M	201.13M	234.02M	259.22M	360.27M	361.39M	491.65M	513.12M	4.7B	4.75B
Total Non-Current Assets	1.51B	1.68B	1.98B	2.28B	2.34B	2.85B	3.87B	4.09B	169.7M	166.61M
Total Assets	1.71B▲ 0%	1.89B▲ 10.4%	2.21B▲ 17.4%	2.54B▲ 14.8%	2.7B▲ 6.2%	3.21B▲ 19.0%	4.36B▲ 35.6%	4.6B▲ 5.6%	5.02B▲ 9.0%	5.09B▲ 0%
Asset Growth %	21.64%	10.45%	17.41%	14.8%	6.23%	19.04%	35.63%	5.6%	9.02%	26.41%
Return on Assets (ROA)	1%	1.16%	1.41%	1.16%	1.8%	1.59%	1.04%	1.12%	1.21%	1.3%
Accounts Payable	918K	1.21M	2.1M	1.65M	779K	801K	4.72M	12.87M	14.19M	14.09M
Total Debt	71.7M	97.86M	67.33M	85.17M	72.77M	61.01M	156.62M	134.6M	142.28M	145.28M
Net Debt	40.16M	69.58M	30.96M	29.95M	-51.8M	-30.55M	101.4M	73.21M	-50.83M	10.97M
Long-Term Debt	61.48M	94.6M	62.95M	85.17M	72.77M	61.01M	156.62M	125.21M	127.28M	125.28M
Short-Term Debt	10.21M	3.27M	4.38M	0	0	0	0	9.4M	15M	20M
Other Liabilities	6.42M	6.45M	12.89M	12.15M	12.75M	17.12M	27.27M	25.04M	37.1M	59.33M
Total Current Liabilities	1.47B	1.58B	1.9B	2.19B	2.33B	2.82B	3.73B	3.97B	4.31B	4.34B
Total Non-Current Liabilities	67.9M	101.05M	75.84M	97.32M	85.53M	78.13M	183.89M	150.24M	164.36M	184.6M
Total Liabilities	1.53B	1.69B	1.98B	2.28B	2.42B	2.89B	3.91B	4.12B	4.47B	4.53B
Total Equity	173.08M▲ 0%	200.69M▲ 16.0%	238.39M▲ 18.8%	258.35M▲ 8.4%	283.42M▲ 9.7%	320.77M▲ 13.2%	446.06M▲ 39.1%	488.75M▲ 9.6%	544.69M▲ 11.4%	567.36M▲ 0%
Equity Growth %	37.4%	15.95%	18.78%	8.37%	9.71%	13.18%	39.06%	9.57%	11.45%	43.24%
Equity / Assets (Capital Ratio)	10.14%	10.64%	10.77%	10.16%	10.5%	9.98%	10.23%	10.61%	10.85%	11.14%
Return on Equity (ROE)	10.4%	11.2%	13.17%	11.09%	17.42%	15.61%	10.23%	10.74%	11.29%	11.85%
Book Value per Share	23.04	22.92	25.90	28.08	31.45	35.60	39.37	43.25	48.35	50.75
Tangible BV per Share	20.99	20.64	23.37	25.72	29.10	31.66	32.20	36.41	41.80	44.56
Common Stock	86K	90K	93K	93K	94K	98K	119K	120K	120K	120K
Additional Paid-in Capital	70.1M	83.41M	94.54M	95.03M	95.58M	119.16M	218.26M	219.68M	221.35M	221.48M
Retained Earnings	102.37M	119.54M	143.68M	165.71M	200.14M	240.12M	270.72M	311.38M	359.58M	372.41M
Accumulated OCI	527K	-2.35M	1.25M	4.45M	2.88M	-17.49M	-21.93M	-17.45M	-11.38M	-1.23M
Treasury Stock	0	0	-1.17M	-6.94M	-15.28M	-21.12M	-21.12M	-24.97M	-24.97M	-25.42M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

SMBC Cash Flow Statement

Southern Missouri Bancorp, Inc. (SMBC) cash flow — operating, investing & free cash flow history

Metric	Jun'17	Jun'18	Jun'19	Jun'20	Jun'21	Jun'22	Jun'23	Jun'24	Jun'25	TTM
Cash from Operations	25.62M	30.64M	38.6M	40.3M	51.76M	67.34M	62.02M	70.27M	81.56M	88.98M
Operating CF Growth %	45%	19.62%	25.97%	4.4%	28.44%	30.1%	-7.9%	13.29%	16.07%	149.05%
Net Income	15.55M	20.93M	28.9M	27.55M	47.18M	47.17M	39.24M	50.18M	58.58M	65.2M
Depreciation & Amortization	3.89M	4.58M	5.07M	5.55M	5.42M	5.92M	7.56M	10.09M	10.02M	9.96M
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	1.54M	-328K	-2.19M	3.17M	-5.99M	13K	11.35M	-3.44M	-775K	1.59M
Working Capital Changes	4.13M	5.24M	6.44M	3.6M	4.59M	13.54M	3.04M	12.41M	12.06M	10.93M
Cash from Investing	-123.12M	-108.48M	-112.99M	-272.36M	-101.92M	-303.93M	-213.41M	-245.74M	-285.11M	-179.16M
Purchase of Investments	-33.4M	-50.35M	-34.18M	-60.6M	-114.09M	-108.56M	-143.37M	-87.66M	-96.22M	-42.92M
Sale/Maturity of Investments	22.54M	43.18M	70.96M	51.65M	74.01M	40.47M	172.08M	74.56M	68.69M	74.24M
Net Investment Activity	-10.86M	-7.17M	36.77M	-8.95M	-40.08M	-68.09M	28.72M	-13.09M	-27.53M	31.31M
Acquisitions	-1.74M	-1.5M	-8.38M	-9.08M	0	48.77M	208.34M	0	0	0
Other Investing	-107.49M	-97.67M	-133.69M	-250.02M	-58.98M	-279.99M	-444.42M	-223.6M	-251.32M	-205.62M
Cash from Financing	105.73M	73.38M	83.47M	250.9M	119.5M	199.8M	118.55M	182.39M	335.51M	78.41M
Dividends Paid	-2.98M	-3.83M	-4.76M	-5.51M	-5.6M	-7.19M	-8.63M	-9.53M	-10.38M	-10.8M
Share Repurchases	0	0	-1.17M	-5.77M	-8.34M	-5.84M	0	-3.86M	0	-8.5M
Stock Issued	24.14M	172K	0	0	0	0	0	1K	0	0
Net Stock Activity	24.14M	172K	-1.17M	-5.77M	-8.34M	-5.84M	0	-3.86M	0	-8.5M
Debt Issuance (Net)	-1000K	1000K	-1000K	1000K	-1000K	-1000K	1000K	-1000K	1000K	-2.03M
Other Financing	151.47M	49.4M	143.22M	240.19M	145.99M	242.13M	31.73M	227.33M	343.94M	102.76M
Net Change in Cash	8.23M▲ 0%	-4.46M▼ 154.2%	9.07M▲ 303.5%	18.84M▲ 107.7%	69.35M▲ 268.0%	-36.78M▼ 153.0%	-32.83M▲ 10.7%	6.92M▲ 121.1%	131.96M▲ 1805.5%	-11.77M▲ 0%
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	22.55M	30.79M	26.33M	35.4M	54.24M	123.59M	86.81M	53.98M	60.9M	124.11M
Cash at End	30.79M	26.33M	35.4M	54.24M	123.59M	86.81M	53.98M	60.9M	192.86M	134.06M
Interest Paid	3.13M	3.02M	4.33M	3.81M	2.65M	2.06M	5.65M	7.71M	8.15M	-363K
Income Taxes Paid	3.13M	1.59M	2.86M	2.44M	9.24M	361K	4.31M	2.3M	7.53M	3.37M
Free Cash Flow	22.58M▲ 0%	28.51M▲ 26.2%	30.91M▲ 8.4%	36M▲ 16.5%	48.91M▲ 35.9%	62.73M▲ 28.3%	55.98M▼ 10.7%	61.22M▲ 9.4%	75.29M▲ 23.0%	84.13M▲ 0%
FCF Growth %	187.69%	26.22%	8.42%	16.48%	35.86%	28.26%	-10.75%	9.35%	22.99%	41.18%

SMBC Banking Ratios

Southern Missouri Bancorp, Inc. (SMBC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2017	2018	2019	2020	2021	2022	2023	2024	2025	TTM
Return on Equity (ROE)	10.4%	11.2%	13.17%	11.09%	17.42%	15.61%	10.23%	10.74%	11.29%	11.85%
Return on Assets (ROA)	1%	1.16%	1.41%	1.16%	1.8%	1.59%	1.04%	1.12%	1.21%	1.3%
Net Interest Margin	2.99%	3.31%	3.29%	3.15%	3.43%	3.22%	2.91%	3.03%	3.08%	3.24%
Efficiency Ratio	51.95%	47.93%	43.18%	44.17%	41.73%	45.9%	42.65%	35.73%	33.44%	32.48%
Equity / Assets	10.14%	10.64%	10.77%	10.16%	10.5%	9.98%	10.23%	10.61%	10.85%	11.14%
Book Value / Share	23.04	22.92	25.9	28.08	31.45	35.6	39.37	43.25	48.35	50.75
NII Growth	8.88%	22.03%	16.67%	10.1%	15.66%	11.74%	22.38%	10.05%	10.85%	14.33%
Dividend Payout	19.17%	18.29%	16.48%	20.01%	11.87%	15.25%	22%	18.98%	17.8%	16.56%

SMBC SEC Filings & Documents

Southern Missouri Bancorp, Inc. (SMBC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

Apr 23, 2026·SEC

Material company update

Feb 10, 2026·SEC

Material company update

Jan 22, 2026·SEC

10-K Annual Reports

FY 2025

Sep 11, 2025·SEC

FY 2024

Sep 13, 2024·SEC

FY 2023

Sep 13, 2023·SEC

10-Q Quarterly Reports

FY 2026

Feb 6, 2026·SEC

FY 2025

Nov 7, 2025·SEC

FY 2025

May 12, 2025·SEC

SMBC Frequently Asked Questions

Southern Missouri Bancorp, Inc. (SMBC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Southern Missouri Bancorp, Inc. (SMBC) grew revenue by 11.7% over the past year. This is steady growth.

Yes, Southern Missouri Bancorp, Inc. (SMBC) is profitable, generating $65.2M in net income for fiscal year 2025 (19.1% net margin).

Dividend & Returns

Yes, Southern Missouri Bancorp, Inc. (SMBC) pays a dividend with a yield of 1.27%. This makes it attractive for income-focused investors.

Southern Missouri Bancorp, Inc. (SMBC) has a return on equity (ROE) of 11.3%. This is reasonable for most industries.

Industry Metrics

Southern Missouri Bancorp, Inc. (SMBC) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.

Southern Missouri Bancorp, Inc. (SMBC) has an efficiency ratio of 33.4%. This is excellent, indicating strong cost control.

What if you invested $1,000 in SMBC back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →

How much would $100/month in SMBC be worth today?

Dollar cost averaging calculator · DCA vs lump sum

Calculate →

Quarter

Date

EPS (Act vs Est)

Revenue (Act vs Est)

Q2 2026Latest

Apr 22, 2026

$1.60vs $1.55+3.2%

$50Mvs $50M+0.8%

Q1 2026

Jan 21, 2026

$1.62vs $1.56+3.8%

$50Mvs $50M-0.6%

Q4 2025

Oct 22, 2025

$1.42vs $1.31+8.4%

$49Mvs $50M-1.9%

Q4 2025

Sep 11, 2025

$1.40

$78M

Metric

Jun'17

Jun'18

Jun'19

Jun'20

Jun'21

Jun'22

Jun'23

Jun'24

Jun'25

TTM

Net Interest Income

51.12M

62.38M

72.78M

80.14M

92.69M

103.57M

126.75M

139.48M

154.62M

165.1M

NII Growth %

8.88%

22.03%

16.67%

10.1%

15.66%

11.74%

22.38%

10.05%

10.85%

57.42%

Net Interest Margin %

2.99%

3.31%

3.29%

3.15%

3.43%

3.22%

2.91%

3.03%

3.08%

3.24%

Interest Income

61.49M

77.17M

97.48M

107.05M

109.47M

116.87M

176.42M

248.38M

277.37M

285.82M

Interest Expense

10.37M

14.79M

24.7M

26.92M

16.79M

13.3M

49.67M

108.89M

122.75M

120.72M

Loan Loss Provision

2.34M

3.1M

2.18M

6.65M

-1.02M

1.49M

17.06M

3.6M

6.52M

7.93M

Non-Interest Income

9.93M

12.37M

13.09M

14.75M

20.04M

21.2M

26.2M

24.84M

27.88M

27.26M

Non-Interest Income %

13.91%

13.81%

11.84%

12.11%

15.47%

15.36%

12.93%

9.09%

9.13%

8.71%

Total Revenue

71.42M▲ 0%

89.54M▲ 25.4%

110.58M▲ 23.5%

121.8M▲ 10.2%

129.52M▲ 6.3%

138.07M▲ 6.6%

202.62M▲ 46.8%

273.22M▲ 34.8%

305.25M▲ 11.7%

313.08M▲ 0%

Revenue Growth %

9.7%

25.37%

23.49%

10.15%

6.33%

6.6%

46.75%

34.84%

11.72%

27.88%

Non-Interest Expense

37.1M

42.91M

47.74M

53.8M

54.05M

63.38M

86.42M

97.62M

102.08M

101.69M

Efficiency Ratio

51.95%

47.93%

43.18%

44.17%

41.73%

45.9%

42.65%

35.73%

33.44%

32.48%

Operating Income

21.61M▲ 0%

28.73M▲ 32.9%

35.95M▲ 25.1%

34.43M▼ 4.2%

59.7M▲ 73.4%

59.9M▲ 0.3%

49.46M▼ 17.4%

63.11M▲ 27.6%

73.99M▲ 17.2%

82.78M▲ 0%

Operating Margin %

30.26%

32.09%

32.51%

28.27%

46.1%

43.39%

24.41%

23.1%

24.24%

26.44%

Operating Income Growth %

0.39%

32.93%

25.13%

-4.23%

73.4%

0.33%

-17.43%

27.59%

17.25%

Pretax Income

21.61M▲ 0%

28.73M▲ 32.9%

35.95M▲ 25.1%

34.43M▼ 4.2%

59.7M▲ 73.4%

59.9M▲ 0.3%

49.46M▼ 17.4%

63.11M▲ 27.6%

73.99M▲ 17.2%

81.09M▲ 0%

Pretax Margin %

30.26%

32.09%

32.51%

28.27%

46.1%

43.39%

24.41%

23.1%

24.24%

25.9%

Income Tax

6.06M

7.8M

7.05M

6.89M

12.53M

12.73M

10.23M

12.93M

15.41M

15.83M

Effective Tax Rate %

28.05%

27.16%

19.6%

20%

20.98%

21.26%

20.67%

20.48%

20.83%

19.52%

Net Income

15.55M▲ 0%

20.93M▲ 34.6%

28.9M▲ 38.1%

27.55M▼ 4.7%

47.18M▲ 71.3%

47.17M▼ 0.0%

39.24M▼ 16.8%

50.18M▲ 27.9%

58.31M▲ 16.2%

65.2M▲ 0%

Net Margin %

21.77%

23.37%

26.14%

22.61%

36.43%

34.16%

19.36%

18.37%

19.1%

20.82%

Net Income Growth %

4.74%

34.57%

38.1%

-4.7%

71.28%

-0.02%

-16.82%

27.89%

16.21%

25.51%

Net Income (Continuing)

15.55M

20.93M

28.9M

27.55M

47.18M

47.17M

39.24M

50.18M

58.58M

65.27M

EPS (Diluted)

2.08▲ 0%

2.39▲ 14.9%

3.14▲ 31.4%

2.99▼ 4.8%

5.22▲ 74.6%

5.21▼ 0.2%

3.85▼ 26.1%

4.42▲ 14.8%

5.18▲ 17.2%

5.83▲ 0%

EPS Growth %

5.05%

14.9%

31.38%

-4.78%

74.58%

-0.19%

-26.1%

14.81%

17.19%

26.2%

EPS (Basic)

2.08

2.40

3.14

3.00

5.22

3.86

4.42

5.19

Diluted Shares Outstanding

7.51M

8.76M

9.2M

9.01M

11.33M

11.3M

11.27M

11.18M

Metric

Jun'17

Jun'18

Jun'19

Jun'20

Jun'21

Jun'22

Jun'23

Jun'24

Jun'25

TTM

Cash & Short Term Investments

175.95M

174.6M

201.9M

231.74M

331.59M

326.95M

472.77M

489.3M

653.95M

1.9B

Cash & Due from Banks

31.53M

28.28M

36.37M

55.22M

124.57M

91.56M

55.22M

61.4M

193.1M

134.31M

Short Term Investments

144.42M

146.32M

165.53M

176.52M

207.02M

235.38M

417.55M

427.9M

460.84M

444.96M

Total Investments

1.54B

1.71B

2.01B

2.32B

2.41B

2.92B

3.99B

4.23B

4.51B

4.62B

Investments Growth %

21.94%

10.87%

17.68%

15.23%

3.83%

21.37%

36.52%

5.93%

6.75%

16.23%

Long-Term Investments

1.4B

1.56B

1.85B

2.14B

2.2B

2.69B

3.57B

3.8B

4.05B

16.33B

Accounts Receivables

6.77M

7.99M

10.19M

12.12M

10.08M

11.05M

18.87M

23.83M

4.05B

4.17B

Goodwill & Intangibles

15.39M

20M

23.33M

21.79M

21.22M

35.46M

81.25M

77.23M

73.72M

69.25M

Goodwill

8.63M

13.08M

14.09M

27.29M

50.77M

50.73M

Intangible Assets

6.76M

6.92M

9.24M

7.7M

7.13M

8.18M

30.47M

26.5M

22.99M

18.52M

PP&E (Net)

54.17M

54.83M

62.73M

65.11M

64.08M

71.35M

92.4M

95.95M

95.98M

94.56M

Other Assets

40.23M

46.77M

47.92M

54.12M

54.72M

60.39M

123.84M

120.72M

-4.05B

-4.17B

Total Current Assets

200.19M

201.13M

234.02M

259.22M

360.27M

361.39M

491.65M

513.12M

4.7B

4.75B

Total Non-Current Assets

1.51B

1.68B

1.98B

2.28B

2.34B

2.85B

3.87B

4.09B

169.7M

166.61M

Total Assets

1.71B▲ 0%

1.89B▲ 10.4%

2.21B▲ 17.4%

2.54B▲ 14.8%

2.7B▲ 6.2%

3.21B▲ 19.0%

4.36B▲ 35.6%

4.6B▲ 5.6%

5.02B▲ 9.0%

5.09B▲ 0%

Asset Growth %

21.64%

10.45%

17.41%

14.8%

6.23%

19.04%

35.63%

5.6%

9.02%

26.41%

Return on Assets (ROA)

1.16%

1.41%

1.16%

1.8%

1.59%

1.04%

1.12%

1.21%

1.3%

Accounts Payable

918K

1.21M

2.1M

1.65M

779K

801K

4.72M

12.87M

14.19M

14.09M

Total Debt

71.7M

97.86M

67.33M

85.17M

72.77M

61.01M

156.62M

134.6M

142.28M

145.28M

Net Debt

40.16M

69.58M

30.96M

29.95M

-51.8M

-30.55M

101.4M

73.21M

-50.83M

10.97M

Long-Term Debt

61.48M

94.6M

62.95M

85.17M

72.77M

61.01M

156.62M

125.21M

127.28M

125.28M

Short-Term Debt

10.21M

3.27M

4.38M

9.4M

15M

20M

Other Liabilities

6.42M

6.45M

12.89M

12.15M

12.75M

17.12M

27.27M

25.04M

37.1M

59.33M

Total Current Liabilities

1.47B

1.58B

1.9B

2.19B

2.33B

2.82B

3.73B

3.97B

4.31B

4.34B

Total Non-Current Liabilities

67.9M

101.05M

75.84M

97.32M

85.53M

78.13M

183.89M

150.24M

164.36M

184.6M

Total Liabilities

1.53B

1.69B

1.98B

2.28B

2.42B

2.89B

3.91B

4.12B

4.47B

4.53B

Total Equity

173.08M▲ 0%

200.69M▲ 16.0%

238.39M▲ 18.8%

258.35M▲ 8.4%

283.42M▲ 9.7%

320.77M▲ 13.2%

446.06M▲ 39.1%

488.75M▲ 9.6%

544.69M▲ 11.4%

567.36M▲ 0%

Equity Growth %

37.4%

15.95%

18.78%

8.37%

9.71%

13.18%

39.06%

9.57%

11.45%

43.24%

Equity / Assets (Capital Ratio)

10.14%

10.64%

10.77%

10.16%

10.5%

9.98%

10.23%

10.61%

10.85%

11.14%

Return on Equity (ROE)

10.4%

11.2%

13.17%

11.09%

17.42%

15.61%

10.23%

10.74%

11.29%

11.85%

Book Value per Share

23.04

22.92

25.90

28.08

31.45

35.60

39.37

43.25

48.35

50.75

Tangible BV per Share

20.99

20.64

23.37

25.72

29.10

31.66

32.20

36.41

41.80

44.56

Common Stock

86K

90K

93K

94K

98K

119K

120K

Additional Paid-in Capital

70.1M

83.41M

94.54M

95.03M

95.58M

119.16M

218.26M

219.68M

221.35M

221.48M

Retained Earnings

102.37M

119.54M

143.68M

165.71M

200.14M

240.12M

270.72M

311.38M

359.58M

372.41M

Accumulated OCI

527K

-2.35M

1.25M

4.45M

2.88M

-17.49M

-21.93M

-17.45M

-11.38M

-1.23M

Treasury Stock

-1.17M

-6.94M

-15.28M

-21.12M

-24.97M

-25.42M

Preferred Stock

Metric

Jun'17

Jun'18

Jun'19

Jun'20

Jun'21

Jun'22

Jun'23

Jun'24

Jun'25

TTM

Cash from Operations

25.62M

30.64M

38.6M

40.3M

51.76M

67.34M

62.02M

70.27M

81.56M

88.98M

Operating CF Growth %

45%

19.62%

25.97%

4.4%

28.44%

30.1%

-7.9%

13.29%

16.07%

149.05%

Net Income

15.55M

20.93M

28.9M

27.55M

47.18M

47.17M

39.24M

50.18M

58.58M

65.2M

Depreciation & Amortization

3.89M

4.58M

5.07M

5.55M

5.42M

5.92M

7.56M

10.09M

10.02M

9.96M

Deferred Taxes

Other Non-Cash Items

1.54M

-328K

-2.19M

3.17M

-5.99M

13K

11.35M

-3.44M

-775K

1.59M

Working Capital Changes

4.13M

5.24M

6.44M

3.6M

4.59M

13.54M

3.04M

12.41M

12.06M

10.93M

Cash from Investing

-123.12M

-108.48M

-112.99M

-272.36M

-101.92M

-303.93M

-213.41M

-245.74M

-285.11M

-179.16M

Purchase of Investments

-33.4M

-50.35M

-34.18M

-60.6M

-114.09M

-108.56M

-143.37M

-87.66M

-96.22M

-42.92M

Sale/Maturity of Investments

22.54M

43.18M

70.96M

51.65M

74.01M

40.47M

172.08M

74.56M

68.69M

74.24M

Net Investment Activity

-10.86M

-7.17M

36.77M

-8.95M

-40.08M

-68.09M

28.72M

-13.09M

-27.53M

31.31M

Acquisitions

-1.74M

-1.5M

-8.38M

-9.08M

48.77M

208.34M

Other Investing

-107.49M

-97.67M

-133.69M

-250.02M

-58.98M

-279.99M

-444.42M

-223.6M

-251.32M

-205.62M

Cash from Financing

105.73M

73.38M

83.47M

250.9M

119.5M

199.8M

118.55M

182.39M

335.51M

78.41M

Dividends Paid

-2.98M

-3.83M

-4.76M

-5.51M

-5.6M

-7.19M

-8.63M

-9.53M

-10.38M

-10.8M

Share Repurchases

-1.17M

-5.77M

-8.34M

-5.84M

-3.86M

-8.5M

Stock Issued

24.14M

172K

Net Stock Activity

24.14M

172K

-1.17M

-5.77M

-8.34M

-5.84M

-3.86M

-8.5M

Debt Issuance (Net)

-1000K

1000K

-1000K

1000K

-1000K

1000K

-1000K

1000K

-2.03M

Other Financing

151.47M

49.4M

143.22M

240.19M

145.99M

242.13M

31.73M

227.33M

343.94M

102.76M

Net Change in Cash

8.23M▲ 0%

-4.46M▼ 154.2%

9.07M▲ 303.5%

18.84M▲ 107.7%

69.35M▲ 268.0%

-36.78M▼ 153.0%

-32.83M▲ 10.7%

6.92M▲ 121.1%

131.96M▲ 1805.5%

-11.77M▲ 0%

Exchange Rate Effect

Cash at Beginning

22.55M

30.79M

26.33M

35.4M

54.24M

123.59M

86.81M

53.98M

60.9M

124.11M

Cash at End

30.79M

26.33M

35.4M

54.24M

123.59M

86.81M

53.98M

60.9M

192.86M

134.06M

Interest Paid

3.13M

3.02M

4.33M

3.81M

2.65M

2.06M

5.65M

7.71M

8.15M

-363K

Income Taxes Paid

3.13M

1.59M

2.86M

2.44M

9.24M

361K

4.31M

2.3M

7.53M

3.37M

Free Cash Flow

22.58M▲ 0%

28.51M▲ 26.2%

30.91M▲ 8.4%

36M▲ 16.5%

48.91M▲ 35.9%

62.73M▲ 28.3%

55.98M▼ 10.7%

61.22M▲ 9.4%

75.29M▲ 23.0%

84.13M▲ 0%

FCF Growth %

187.69%

26.22%

8.42%

16.48%

35.86%

28.26%

-10.75%

9.35%

22.99%

41.18%

Metric

2017

2018

2019

2020

2021

2022

2023

2024

2025

TTM

Return on Equity (ROE)

10.4%

11.2%

13.17%

11.09%

17.42%

15.61%

10.23%

10.74%

11.29%

11.85%

Return on Assets (ROA)

1.16%

1.41%

1.16%

1.8%

1.59%

1.04%

1.12%

1.21%

1.3%

Net Interest Margin

2.99%

3.31%

3.29%

3.15%

3.43%

3.22%

2.91%

3.03%

3.08%

3.24%

Efficiency Ratio

51.95%

47.93%

43.18%

44.17%

41.73%

45.9%

42.65%

35.73%

33.44%

32.48%

Equity / Assets

10.14%

10.64%

10.77%

10.16%

10.5%

9.98%

10.23%

10.61%

10.85%

11.14%

Book Value / Share

23.04

22.92

25.9

28.08

31.45

35.6

39.37

43.25

48.35

50.75

NII Growth

8.88%

22.03%

16.67%

10.1%

15.66%

11.74%

22.38%

10.05%

10.85%

14.33%

Dividend Payout

19.17%

18.29%

16.48%

20.01%

11.87%

15.25%

22%

18.98%

17.8%

16.56%

Southern Missouri Bancorp, Inc.(SMBC)Earnings, Financials & Key Ratios

SMBC Key Insights

✓Strengths

✗Weaknesses

SMBC Price & Volume

SMBC Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

SMBC Recent Earnings

SMBC Peer Comparison

Compare SMBC vs Peers

vs FFIN

vs ICE

Compare Top 5

SMBC Income Statement

SMBC Balance Sheet

SMBC Cash Flow Statement

SMBC Banking Ratios

SMBC SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

SMBC Frequently Asked Questions

Southern Missouri Bancorp, Inc.(SMBC)Earnings, Financials & Key Ratios

SMBC Key Insights

✓Strengths

✗Weaknesses

SMBC Price & Volume

SMBC Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

SMBC Recent Earnings

SMBC Peer Comparison

Compare SMBC vs Peers

vs FFIN

vs ICE

Compare Top 5

SMBC Income Statement

SMBC Balance Sheet

SMBC Cash Flow Statement

SMBC Banking Ratios

SMBC SEC Filings & Documents

8-K Announcements

10-K Annual Reports

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