Southern Missouri Bancorp, Inc. (SMBC) 10-Year Financial Performance & Capital Metrics

SMBC • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingMidwest Community 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 Equity 11.29% +5.1%
Net Interest Margin 3.08% +1.7%
Efficiency Ratio 33.44% -6.4%
ROA 1.21% +8.2%
Equity / Assets 10.85% +2.2%
Book Value per Share 48.35 +11.8%
Tangible BV/Share 41.80 +14.8%
Debt/Equity 0.26 -5.2%

Technical Analysis

Key Insights

Based on financial 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 1.3x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y17.1%

5Y20.17%

3Y30.27%

TTM-

Profit (Net Income) CAGR

10Y15.61%

5Y16.18%

3Y7.33%

TTM24.68%

EPS CAGR

10Y11.21%

5Y11.62%

3Y-0.19%

TTM25.52%

ROCE

10Y Avg11.3%

5Y Avg12.52%

3Y Avg10.18%

Latest10.98%

Peer Comparison

Midwest Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TFSLTFS Financial Corporation	3.97B	14.13	44.16	4.37%	11.49%	4.41%	1.15%	2.57
ASBAssociated Banc-Corp	4.43B	26.70	37.08	4.42%	5.85%	3.62%	12.08%	0.69
ASBAAssociated Banc-Corp	4.11B	24.78	30.98	-6.56%	12.92%	3.77%	13.02%	0.17
BANFBancFirst Corporation	3.81B	114.30	17.75	12.28%	23.81%	13.33%	5.89%	0.05
SYBTStock Yards Bancorp, Inc.	2.03B	68.83	17.69	15.84%	22.86%	12.99%	6.56%	0.53
PRKPark National Corporation	2.63B	163.76	17.57	14.4%	23.46%	13.22%	6.44%	0.24
NICNicolet Bankshares, Inc.	1.97B	133.08	16.53	24.6%	23.88%	11.4%	5.95%	0.14
LKFNLakeland Financial Corporation	1.52B	59.47	16.38	9.38%	21.74%	13.06%	6.18%

Profit & Loss

	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Net Interest Income+	46.95M	51.12M	62.38M	72.78M	80.14M	92.69M	103.57M	126.75M	139.48M	154.62M
NII Growth %	0.01%	0.09%	0.22%	0.17%	0.1%	0.16%	0.12%	0.22%	0.1%	0.11%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	56.32M	61.49M	77.17M	97.48M	107.05M	109.47M	116.87M	176.42M	248.38M	277.37M
Interest Expense	9.37M	10.37M	14.79M	24.7M	26.92M	16.79M	13.3M	49.67M	108.89M	122.75M
Loan Loss Provision	2.49M	2.34M	3.1M	2.18M	6.65M	-1.02M	1.49M	17.06M	3.6M	6.52M
Non-Interest Income+	8.79M	9.93M	12.37M	13.09M	14.75M	20.04M	21.2M	26.2M	24.84M	27.88M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	65.1M	71.42M	89.54M	110.58M	121.8M	129.52M	138.07M	202.62M	273.22M	305.25M
Revenue Growth %	0.03%	0.1%	0.25%	0.23%	0.1%	0.06%	0.07%	0.47%	0.35%	0.12%
Non-Interest Expense	31.71M	37.1M	42.91M	47.74M	53.8M	54.05M	63.38M	86.42M	97.62M	102.08M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	21.53M	21.61M	28.73M	35.95M	34.43M	59.7M	59.9M	49.46M	63.11M	73.99M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.09%	0%	0.33%	0.25%	-0.04%	0.73%	0%	-0.17%	0.28%	0.17%
Pretax Income+	21.53M	21.61M	28.73M	35.95M	34.43M	59.7M	59.9M	49.46M	63.11M	73.99M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	6.68M	6.06M	7.8M	7.05M	6.89M	12.53M	12.73M	10.23M	12.93M	15.41M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	14.85M	15.55M	20.93M	28.9M	27.55M	47.18M	47.17M	39.24M	50.18M	58.31M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.09%	0.05%	0.35%	0.38%	-0.05%	0.71%	-0%	-0.17%	0.28%	0.16%
Net Income (Continuing)	14.85M	15.55M	20.93M	28.9M	27.55M	47.18M	47.17M	39.24M	50.18M	58.58M
EPS (Diluted)+	1.98	2.08	2.39	3.14	2.99	5.22	5.21	3.85	4.42	5.18
EPS Growth %	0.11%	0.05%	0.15%	0.31%	-0.05%	0.75%	-0%	-0.26%	0.15%	0.17%
EPS (Basic)	1.99	2.08	2.40	3.14	3.00	5.22	5.22	3.86	4.42	5.19
Diluted Shares Outstanding	7.46M	7.51M	8.76M	9.2M	9.2M	9.01M	9.01M	11.33M	11.3M	11.27M

Balance Sheet

	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	23.28M	31.53M	28.28M	36.37M	55.22M	124.57M	91.56M	55.22M	61.4M	193.1M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	1.26B	1.54B	1.71B	2.01B	2.32B	2.41B	2.92B	3.99B	4.23B	4.51B
Investments Growth %	0.07%	0.22%	0.11%	0.18%	0.15%	0.04%	0.21%	0.37%	0.06%	0.07%
Long-Term Investments	1.14B	1.4B	1.56B	1.85B	2.14B	2.2B	2.69B	3.57B	3.8B	4.05B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	4.56M	8.63M	13.08M	14.09M	14.09M	14.09M	27.29M	50.77M	50.73M	50.73M
Intangible Assets	3.29M	6.76M	6.92M	9.24M	7.7M	7.13M	8.18M	30.47M	26.5M	22.99M
PP&E (Net)	46.94M	54.17M	54.83M	62.73M	65.11M	64.08M	71.35M	92.4M	95.95M	95.98M
Other Assets	38.42M	40.23M	46.77M	47.92M	54.12M	54.72M	60.39M	123.84M	120.72M	-4.05B
Total Current Assets	175.24M	200.19M	201.13M	234.02M	259.22M	360.27M	361.39M	491.65M	513.12M	4.7B
Total Non-Current Assets	1.23B	1.51B	1.68B	1.98B	2.28B	2.34B	2.85B	3.87B	4.09B	169.7M
Total Assets+	1.4B	1.71B	1.89B	2.21B	2.54B	2.7B	3.21B	4.36B	4.6B	5.02B
Asset Growth %	0.08%	0.22%	0.1%	0.17%	0.15%	0.06%	0.19%	0.36%	0.06%	0.09%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.02%	0.02%	0.01%	0.01%	0.01%
Accounts Payable	720K	918K	1.21M	2.1M	1.65M	779K	801K	4.72M	12.87M	14.19M
Total Debt+	152.05M	71.7M	97.86M	67.33M	85.17M	72.77M	61.01M	156.62M	134.6M	142.28M
Net Debt	128.78M	40.16M	69.58M	30.96M	29.95M	-51.8M	-30.55M	101.4M	73.21M	-50.84M
Long-Term Debt	124.97M	61.48M	94.6M	62.95M	85.17M	72.77M	61.01M	156.62M	125.21M	127.28M
Short-Term Debt	27.09M	10.21M	3.27M	4.38M	0	0	0	0	9.4M	15M
Other Liabilities	4.48M	6.42M	6.45M	12.89M	12.15M	12.75M	17.12M	27.27M	25.04M	37.1M
Total Current Liabilities	1.15B	1.47B	1.58B	1.9B	2.19B	2.33B	2.82B	3.73B	3.97B	4.31B
Total Non-Current Liabilities	129.45M	67.9M	101.05M	75.84M	97.32M	85.53M	78.13M	183.89M	150.24M	164.36M
Total Liabilities	1.28B	1.53B	1.69B	1.98B	2.28B	2.42B	2.89B	3.91B	4.12B	4.47B
Total Equity+	125.97M	173.08M	200.69M	238.39M	258.35M	283.42M	320.77M	446.06M	488.75M	544.69M
Equity Growth %	-0.05%	0.37%	0.16%	0.19%	0.08%	0.1%	0.13%	0.39%	0.1%	0.11%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.11%	0.1%	0.11%	0.13%	0.11%	0.17%	0.16%	0.1%	0.11%	0.11%
Book Value per Share	16.89	23.04	22.92	25.90	28.08	31.45	35.60	39.37	43.25	48.35
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	74K	86K	90K	93K	93K	94K	98K	119K	120K	120K
Additional Paid-in Capital	34.43M	70.1M	83.41M	94.54M	95.03M	95.58M	119.16M	218.26M	219.68M	221.35M
Retained Earnings	89.8M	102.37M	119.54M	143.68M	165.71M	200.14M	240.12M	270.72M	311.38M	359.58M
Accumulated OCI	1.66M	527K	-2.35M	1.25M	4.45M	2.88M	-17.49M	-21.93M	-17.45M	-11.38M
Treasury Stock	0	0	0	-1.17M	-6.94M	-15.28M	-21.12M	-21.12M	-24.97M	-24.97M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Cash from Operations+	17.67M	25.62M	30.64M	38.6M	40.3M	51.76M	67.34M	62.02M	70.27M	81.56M
Operating CF Growth %	-0.11%	0.45%	0.2%	0.26%	0.04%	0.28%	0.3%	-0.08%	0.13%	0.16%
Net Income	14.85M	15.55M	20.93M	28.9M	27.55M	47.18M	47.17M	39.24M	50.18M	58.58M
Depreciation & Amortization	3.54M	3.89M	4.58M	5.07M	5.55M	5.42M	5.92M	7.56M	10.09M	0
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	-744K	1.54M	-328K	-2.19M	3.17M	-5.99M	13K	11.35M	-3.44M	10.91M
Working Capital Changes	-359K	4.13M	5.24M	6.44M	3.6M	4.59M	13.54M	3.04M	12.41M	12.06M
Cash from Investing+	-100.32M	-123.12M	-108.48M	-112.99M	-272.36M	-101.92M	-303.93M	-213.41M	-245.74M	-285.11M
Purchase of Investments	-29.65M	-33.4M	-50.35M	-34.18M	-60.6M	-114.09M	-108.56M	-143.37M	-87.66M	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	-1.74M	-1.5M	-8.38M	-9.08M	0	48.77M	208.34M	0	0
Other Investing	-90.98M	-107.49M	-97.67M	-133.69M	-250.02M	-58.98M	-279.99M	-444.42M	-223.6M	-285.11M
Cash from Financing+	88.43M	105.73M	73.38M	83.47M	250.9M	119.5M	199.8M	118.55M	182.39M	335.51M
Dividends Paid	-2.81M	-2.98M	-3.83M	-4.76M	-5.51M	-5.6M	-7.19M	-8.63M	-9.53M	-10.38M
Share Repurchases	-20M	0	0	-1.17M	-5.77M	-8.34M	-5.84M	0	-3.86M	0
Stock Issued	99K	24.14M	172K	0	0	0	0	0	1K	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	1000K	-1000K	1000K	-1000K	-1000K	1000K	-1000K	1000K
Other Financing	65.49M	151.47M	49.4M	143.22M	240.19M	145.99M	242.13M	31.73M	227.33M	343.94M
Net Change in Cash+	5.78M	8.23M	-4.46M	9.07M	18.84M	69.35M	-36.78M	-32.83M	6.92M	131.96M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	16.77M	22.55M	30.79M	26.33M	35.4M	54.24M	123.59M	86.81M	53.98M	60.9M
Cash at End	22.55M	30.79M	26.33M	35.4M	54.24M	123.59M	86.81M	53.98M	60.9M	192.86M
Interest Paid	3.02M	3.13M	3.02M	4.33M	3.81M	2.65M	2.06M	5.65M	7.71M	8.15M
Income Taxes Paid	4.7M	3.13M	1.59M	2.86M	2.44M	9.24M	361K	4.31M	2.3M	7.53M
Free Cash Flow+	7.85M	22.58M	28.51M	30.91M	36M	48.91M	62.73M	55.98M	61.22M	75.29M
FCF Growth %	-0.37%	1.88%	0.26%	0.08%	0.16%	0.36%	0.28%	-0.11%	0.09%	0.23%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	11.48%	10.4%	11.2%	13.17%	11.09%	17.42%	15.61%	10.23%	10.74%	11.29%
Return on Assets (ROA)	1.1%	1%	1.16%	1.41%	1.16%	1.8%	1.59%	1.04%	1.12%	1.21%
Net Interest Margin	3.34%	2.99%	3.31%	3.29%	3.15%	3.43%	3.22%	2.91%	3.03%	3.08%
Efficiency Ratio	48.71%	51.95%	47.93%	43.18%	44.17%	41.73%	45.9%	42.65%	35.73%	33.44%
Equity / Assets	8.97%	10.14%	10.64%	10.77%	10.16%	10.5%	9.98%	10.23%	10.61%	10.85%
Book Value / Share	16.89	23.04	22.92	25.9	28.08	31.45	35.6	39.37	43.25	48.35
NII Growth	0.9%	8.88%	22.03%	16.67%	10.1%	15.66%	11.74%	22.38%	10.05%	10.85%
Dividend Payout	18.02%	19.17%	18.29%	16.48%	20.01%	11.87%	15.25%	22%	18.98%	17.8%

Frequently Asked Questions

Valuation & Price

Southern Missouri Bancorp, Inc. (SMBC) has a price-to-earnings (P/E) ratio of 12.0x. This may indicate the stock is undervalued or faces growth challenges.

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 $61.7M 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 1.48%. 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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