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Southern Missouri Bancorp, Inc.(SMBC)Earnings, Financials & Key Ratios
SMBC•NASDAQ•Banking & Credit
$69.19
$769M mkt cap·13.4× P/E·Price updated May 6, 2026
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%
- Tangible BV/Share41.80+14.8%
- Debt/Equity0.26-5.2%
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
- ✓Well capitalized: 10.9% equity/assets
- ✓Trading near 52-week high
- ✓Trading at only 1.4x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
SMBC Price & Volume
Southern Missouri Bancorp, Inc. (SMBC) stock price & volume — 10-year historical chart
Loading chart...
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
●Beat EPS 6/12 qtrs (60%)●Beat Revenue 2/12 qtrs (22%)
Q2 2026Latest
Apr 22, 2026EPS
$1.60
Est $1.55
+3.2%
Revenue
$50M
Est $50M
+0.8%
Q1 2026
Jan 21, 2026EPS
$1.62
Est $1.56
+3.8%
Revenue
$50M
Est $50M
-0.6%
Q4 2025
Oct 22, 2025EPS
$1.42
Est $1.31
+8.4%
Revenue
$49M
Est $50M
-1.9%
Q4 2025
Sep 11, 2025EPS
$1.40
Revenue
$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 →
SMBC Peer Comparison
Southern Missouri Bancorp, Inc. (SMBC) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 FFIN | 4.64B | 32.60 | 20.90 | 18.79% | 13.25% | 0.12 | ||
 IBCP | 696.01M | 33.81 | 10.34 | -0.3% | 14.2% | 0.23 | ||
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 | ||
 CVBF | 2.8B | 20.63 | 13.57 | -2.33% | 9.25% | 0.43 | ||
 SFNC | 3.13B | 21.59 | -7.32 | -56.66% | -11.63% | 0.19 | ||
 UBSI | 6.11B | 43.72 | 13.37 | 12.33% | 8.6% | 0.17 | ||
 HOMB | 5.32B | 27.03 | 13.45 | 9.47% | 10.86% | 0.30 | ||
 BOKF | 10.44B | 135.54 | 16.65 | 10.4% | 8.91% | 0.80 |
Compare SMBC vs Peers
Southern Missouri Bancorp, Inc. (SMBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
SMBC Income Statement
Southern Missouri Bancorp, Inc. (SMBC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | 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
| Line item | 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
| Line item | 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 | 81.56M |
| 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)
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 1.33%. 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.
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