Southern Missouri Bancorp, Inc. (SMBC) Financial Statements
Industry: Savings Institutions, Not Federally Chartered
In fiscal 2026, Southern Missouri Bancorp reported revenue of $200.6M, up 9.9% from $182.6M the year before. Net income was $71.8M (a 35.8% net margin), or $6.43 per diluted share. Net interest income was $172.8M, and the efficiency ratio (noninterest expense / revenue) was 50.9%. Operating activities generated $80.5M of cash, leaving $76.6M of free cash flow. At fiscal year end, Southern Missouri Bancorp held $5.24B in total assets against $4.65B in total liabilities, including $91.0M of cash and equivalents.
Open the full interactive Southern Missouri Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Southern Missouri Bancorp Key Stats
| Share Price | $69.42 |
|---|---|
| Market Cap | $772.7M |
| P/E Ratio | 10.8 |
| Dividend Yield | 1.44% |
| Revenue YoY Growth | +9.9% |
| 52-Week Range | $47.11 – $79.05 |
| Shares Outstanding | 11.1 million (basic, 2026 Q4) |
Southern Missouri Bancorp Income Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $92.7M | $103.6M | $126.7M | $139.5M | $154.6M | $172.8M |
| Provision for Credit Losses | -$602,000 | $1.5M | $17.1M | $3.6M | $6.5M | $11.5M |
| Noninterest Income | $20.0M | $21.2M | $26.2M | $24.8M | $28.0M | $27.8M |
| Noninterest Expense | $54.0M | $63.4M | $86.4M | $97.6M | $102.1M | $102.1M |
| Revenue | $112.7M | $124.8M | $152.9M | $164.3M | $182.6M | $200.6M |
| Pre-Tax Income | $59.7M | $59.9M | $49.5M | $63.1M | $74.0M | $87.1M |
| Income Tax | $12.5M | $12.7M | $10.2M | $12.9M | $15.4M | $15.3M |
| Net Income | $47.2M | $47.2M | $39.2M | $50.2M | $58.6M | $71.8M |
| Diluted EPS | $5.22 | $5.21 | $3.85 | $4.42 | $5.18 | $6.43 |
Southern Missouri Bancorp Quarterly Results
| 2026 Q1 | 2026 Q2 | 2026 Q3 | 2026 Q4 | |
|---|---|---|---|---|
| Revenue | $49.0M | $49.6M | $50.2M | $51.8M |
| Net Income | $15.7M | $18.1M | $17.8M | $20.3M |
| Diluted EPS | $1.38 | $1.62 | $1.60 | $1.82 |
Southern Missouri Bancorp Balance Sheet
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $123.6M | $86.8M | $54.0M | $60.9M | $192.9M | $91.0M |
| Loans (Net) | $2.20B | $2.69B | $3.57B | $3.80B | $4.05B | $4.34B |
| Total Assets | $2.70B | $3.21B | $4.36B | $4.60B | $5.02B | $5.24B |
| Deposits | $2.33B | $2.82B | $3.73B | $3.95B | $4.28B | $4.41B |
| Total Long-Term Debt | $455.8M | $561.6M | $697.9M | $867.7M | $879.9M | $1.06B |
| Total Liabilities | $2.42B | $2.89B | $3.91B | $4.12B | $4.47B | $4.65B |
| Shareholders' Equity | $283.4M | $320.8M | $446.1M | $488.7M | $544.7M | $590.7M |
Southern Missouri Bancorp Cash Flow Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $51.8M | $67.3M | $62.0M | $70.3M | $81.6M | $80.5M |
| Cash From Investing | -$101.9M | -$303.9M | -$213.4M | -$245.7M | -$285.1M | -$303.6M |
| Cash From Financing | $119.5M | $199.8M | $118.6M | $182.4M | $335.5M | $121.2M |
| Free Cash Flow | $48.9M | $62.7M | $56.0M | $61.2M | $75.3M | $76.6M |
| Dividends Paid | $5.6M | $7.2M | $8.6M | $9.5M | $10.4M | $11.1M |
Figures from Southern Missouri Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Southern Missouri Bancorp financials page for every line item.
Southern Missouri Bancorp Company Profile
| Ticker | SMBC |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institutions, Not Federally Chartered |
| Headquarters | Poplar Bluff, Missouri |
| Incorporated in | Missouri |
| Fiscal Year End | June 30 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0000916907 |
Frequently Asked Questions
What was Southern Missouri Bancorp's revenue in fiscal 2026?
Southern Missouri Bancorp (SMBC) reported revenue of $200.6M for fiscal 2026.
What is Southern Missouri Bancorp's annual revenue history?
Southern Missouri Bancorp's annual revenue by fiscal year: 2021: $112.7M; 2022: $124.8M; 2023: $152.9M; 2024: $164.3M; 2025: $182.6M; 2026: $200.6M.
What was Southern Missouri Bancorp's net income in fiscal 2026?
Southern Missouri Bancorp reported net income of $71.8M for fiscal 2026.
What was Southern Missouri Bancorp's earnings per share (EPS) in fiscal 2026?
Southern Missouri Bancorp's diluted EPS was $6.43 for fiscal 2026 (adjusted for any later stock splits).
How much free cash flow did Southern Missouri Bancorp generate in fiscal 2026?
Southern Missouri Bancorp generated $76.6M of free cash flow in fiscal 2026.
What was Southern Missouri Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q4), Southern Missouri Bancorp reported revenue of $51.8M.
How much debt does Southern Missouri Bancorp have?
Southern Missouri Bancorp reported $1.06B of long-term debt, including the current portion, at the end of fiscal 2026.
How many shares of Southern Missouri Bancorp are outstanding?
Southern Missouri Bancorp reported a weighted average of 11.1 million basic shares outstanding in 2026 Q4.
What is Southern Missouri Bancorp's market cap?
Based on its latest closing price, Southern Missouri Bancorp (SMBC) has a market capitalization of about $772.7M.
When does Southern Missouri Bancorp's fiscal year end?
Southern Missouri Bancorp's fiscal year end, as registered with the SEC, is June 30.
Where is Southern Missouri Bancorp headquartered?
Southern Missouri Bancorp lists its business address in Poplar Bluff, Missouri in its SEC filings.
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