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Financials · SMBC

Southern Missouri Bancorp Inc. (SMBC) financials

For fiscal 2026 (ended Jun 30, 2026), Southern Missouri Bancorp Inc. reported $200.65M of revenue and $71.84M of net income.

Revenue, FY2026
$200.65M
Revenue growth, YoY
+9.9%
Net income, FY2026
$71.84M
Net income growth, YoY
+22.6%
Net margin
35.8%
Free cash flow, FY2026
$76.56M
EPS, diluted, FY2026
$6.43
EPS growth, YoY
+24.1%
Cash
$90.97M
P/E
10.83
P/S
3.88
Market cap
$778.0M
Annual revenue$200.65M
FY2017FY2026
Annual net income$71.84M
FY2017FY2026
Annual free cash flow$76.56M
FY2017FY2026

SMBC revenue and earnings growth

SMBC revenueQ4 2026$51.76M

Quarter YoY
+8.7%
QoQ
+3.0%
FY YoY
+9.9%
5Y CAGR
+12.2%
10Y CAGR
+13.5%

SMBC revenue was $51.76M in fiscal Q4 2026 (ended Jun 30, 2026), up 8.7% from a year earlier and up 3.0% from the prior quarter. For the full fiscal 2026 it was $200.65M, up 9.9% from fiscal 2025. Compound annual growth was +12.2% over 5 years and +13.5% over 10 years. It rose in each of the last 10 fiscal years. Fiscal 2026 is the highest of the 15 fiscal years on file.

SMBC net incomeQ4 2026$20.28M

Quarter YoY
+28.5%
QoQ
+14.2%
FY YoY
+22.6%
5Y CAGR
+8.8%
10Y CAGR
+17.1%

SMBC net income was $20.28M in fiscal Q4 2026 (ended Jun 30, 2026), up 28.5% from a year earlier and up 14.2% from the prior quarter. For the full fiscal 2026 it was $71.84M, up 22.6% from fiscal 2025. Compound annual growth was +8.8% over 5 years and +17.1% over 10 years. It rose in 7 of the last 10 fiscal years. Fiscal 2026 is the highest of the 15 fiscal years on file.

SMBC EPSQ4 2026$1.83

Quarter YoY
+31.7%
QoQ
+14.4%
FY YoY
+24.1%
5Y CAGR
+4.3%
10Y CAGR
+12.5%

SMBC diluted EPS was $1.83 in fiscal Q4 2026 (ended Jun 30, 2026), up 31.7% from a year earlier and up 14.4% from the prior quarter. For the full fiscal 2026 it was $6.43, up 24.1% from fiscal 2025. Compound annual growth was +4.3% over 5 years and +12.5% over 10 years.

SMBC free cash flowQ4 2026$12.47M

Quarter YoY
-51.8%
QoQ
-56.3%
FY YoY
+1.7%
5Y CAGR
+9.4%
10Y CAGR
+25.6%

SMBC free cash flow was $12.47M in fiscal Q4 2026 (ended Jun 30, 2026), down 51.8% from a year earlier and down 56.3% from the prior quarter. For the full fiscal 2026 it was $76.56M, up 1.7% from fiscal 2025. Compound annual growth was +9.4% over 5 years and +25.6% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2026 is the highest of the 15 fiscal years on file.

Export CSV

Income statement

Income statement
Line item
FY2026
Jun 30, 2026
FY2025
Jun 30, 2025
FY2024
Jun 30, 2024
FY2023
Jun 30, 2023
FY2022
Jun 30, 2022
FY2021
Jun 30, 2021
FY2020
Jun 30, 2020
FY2019
Jun 30, 2019
FY2018
Jun 30, 2018
FY2017
Jun 30, 2017
Revenue$200.65M$182.60M$164.33M$152.95M$124.77M$112.73M$94.89M$85.88M$74.75M$62.21M
Interest expense---$49.67M$13.30M$16.79M$26.92M$24.70M$14.79M$10.37M
Pre-tax income$87.10M$73.99M$63.11M$49.46M$59.90M-----
Income tax$15.27M$15.42M$12.93M$10.23M$12.73M$12.53M$6.89M$7.05M$7.80M$6.06M
Net income$71.84M$58.58M$50.18M$39.24M$47.17M$47.18M$27.55M$28.90M$20.93M$15.55M
EPS, basic$6.44$5.19$4.42$3.86$5.22$5.22$3.00$3.14$2.40$2.08
EPS, diluted$6.43$5.18$4.42$3.85$5.21$5.22$2.99$3.14$2.39$2.07
Diluted shares11.1M11.3M11.3M-------

Balance sheet

Balance sheet
Line item
FY2026
Jun 30, 2026
FY2025
Jun 30, 2025
FY2024
Jun 30, 2024
FY2023
Jun 30, 2023
FY2022
Jun 30, 2022
FY2021
Jun 30, 2021
FY2020
Jun 30, 2020
FY2019
Jun 30, 2019
FY2018
Jun 30, 2018
FY2017
Jun 30, 2017
Cash and equivalents$90.97M$192.86M$60.90M$53.98M$86.81M$123.59M$54.24M$35.40M$26.33M$30.79M
Goodwill$50.73M$50.73M$50.73M$50.77M$27.29M$14.09M$14.09M$14.09M$13.08M$8.63M
Total assets$5.24B$5.02B$4.60B$4.36B$3.21B$2.70B$2.54B$2.21B$1.89B$1.71B
Current liabilities------$2.28B$1.98B$1.69B$1.53B
Total debt-------$3.00M$3.00M$3.00M
Total liabilities$4.65B$4.47B$4.12B$3.91B$2.89B$2.42B$2.28B$1.98B$1.69B$1.53B
Shareholders' equity$590.68M$544.69M$488.75M$446.06M$320.77M$283.42M$258.35M$238.39M$200.69M$173.08M

Cash flow

Cash flow
Line item
FY2026
Jun 30, 2026
FY2025
Jun 30, 2025
FY2024
Jun 30, 2024
FY2023
Jun 30, 2023
FY2022
Jun 30, 2022
FY2021
Jun 30, 2021
FY2020
Jun 30, 2020
FY2019
Jun 30, 2019
FY2018
Jun 30, 2018
FY2017
Jun 30, 2017
Operating cash flow$80.52M$81.56M$70.27M$62.02M$67.34M$51.76M$40.30M$38.60M$30.64M$25.62M
Capital expenditures$3.96M$6.26M$9.05M$6.04M$4.62M$2.86M$4.30M$7.70M$2.14M$3.03M
Free cash flow$76.56M$75.29M$61.22M$55.98M$62.73M$48.91M$36.00M$30.91M$28.51M$22.58M
Investing cash flow-$303.57M-$285.11M-$245.74M-$213.41M-$303.93M-$101.92M-$272.36M-$112.99M-$108.48M-$123.12M
Financing cash flow$121.15M$335.51M$182.39M$118.55M$199.80M$119.50M$250.90M$83.47M$73.38M$105.73M
Dividends paid$11.13M$10.38M$9.53M$8.63M$7.19M$5.60M$5.51M$4.76M$3.83M-

Key ratios

Key ratios
Line item
FY2026
Jun 30, 2026
FY2025
Jun 30, 2025
FY2024
Jun 30, 2024
FY2023
Jun 30, 2023
FY2022
Jun 30, 2022
FY2021
Jun 30, 2021
FY2020
Jun 30, 2020
FY2019
Jun 30, 2019
FY2018
Jun 30, 2018
FY2017
Jun 30, 2017
Revenue growth, YoY9.9%11.1%7.4%22.6%10.7%18.8%10.5%14.9%20.2%9.7%
Net income growth, YoY22.6%16.7%27.9%-16.8%-0.0%71.3%-4.7%38.1%34.6%4.7%
EPS growth, YoY24.1%17.2%14.8%-26.1%-0.2%74.6%-4.8%31.4%15.5%4.5%
Net margin35.8%32.1%30.5%25.7%37.8%41.9%29.0%33.7%28.0%25.0%
Free cash flow margin38.2%41.2%37.3%36.6%50.3%43.4%37.9%36.0%38.1%36.3%
Return on equity12.2%10.8%10.3%8.8%14.7%16.6%10.7%12.1%10.4%9.0%
Return on assets1.4%1.2%1.1%0.9%1.5%1.7%1.1%1.3%1.1%0.9%
Debt to equity-------0.010.010.02

Source: XBRL data Southern Missouri Bancorp Inc. files with the SEC, latest filing dated Sep 11, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures and share counts are restated for stock splits the filings show: 2-for-1, first reported May 11, 2015.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

SMBC peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
SMBC$200.65M+9.9%$71.84M35.8%$778.0M
FLG$2.09B-6.4%$48.00M2.3%$4.40B
BBT$887.69M+93.0%$159.79M18.0%$2.56B
HFWA$294.09M+30.2%$77.90M26.5%$1.17B
NBBK$283.44M+43.2%$66.95M23.6%$964.9M
TCBX$248.00M+24.8%$75.26M30.3%$653.2M
GCBC$92.58M+22.9%$41.02M44.3%$612.9M
HBCP$156.11M+7.0%$44.48M28.5%$477.8M

SMBC FAQ

8 questions
  • What is SMBC revenue?
    Southern Missouri Bancorp Inc. (SMBC) reported $200.65M of revenue for fiscal 2026 (ended Jun 30, 2026). That is up 9.9% from the year before.
  • Is SMBC profitable?
    Yes. Southern Missouri Bancorp Inc. earned $71.84M in net income for fiscal 2026 (ended Jun 30, 2026), a net margin of 35.8%.
  • How much cash and debt does SMBC have?
    Southern Missouri Bancorp Inc. reported $90.97M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is SMBC revenue growing?
    Southern Missouri Bancorp Inc.'s revenue changed +9.9% in fiscal 2026, to $200.65M. Its compound annual growth rate was +12.2% over 5 years and +13.5% over 10 years.
  • What is SMBC free cash flow?
    Southern Missouri Bancorp Inc. generated $76.56M of free cash flow for fiscal 2026 (ended Jun 30, 2026), which is operating cash flow of $80.52M less capital expenditures.
  • What is SMBC earnings per share?
    Diluted earnings per share were $6.43 for fiscal 2026 (ended Jun 30, 2026), from SEC filings, restated for any stock split those filings show.
  • When did SMBC last report financial results?
    The latest statements here come from Southern Missouri Bancorp Inc.'s 10-K filed on Sep 11, 2026, covering the period ended Jun 30, 2026.
  • Where does this SMBC financial data come from?
    Quantisnow builds these statements from the structured XBRL data Southern Missouri Bancorp Inc. files with the SEC. It is provided for information only and is not investment advice.