Stocks › SMBC
Southern Missouri Bancorp SMBC
US equityMarket cap rank #3391
$70.46 −$0.18 (-0.25%)
Market closed · Nov 6, 8:10 pm ET · Last extended-hours $70.46 0.00%
Open$70.79
Prev close$70.64
Day range$70.30 – $71.12
Volume55.1K
Market cap$774.68M
P/E (TTM)10.4
Dividend yield1.45%
Fundamentals
Latest reported quarter: Q1, ended Sep 2026
Revenue$53.09M+8.4% YoY
Net profit$19.10M+22.0% YoY
Diluted EPS$1.73+25.4% YoY
Free cash flow$12.47M-51.8% YoY
Operating cash flow$13.98M
Revenue, last 8 quarters
Net profit, last 8 quarters
Diluted EPS by quarter
Free cash flow by quarter
Annual revenue
Profitability & balance sheet
Net margin36.6%
Return on equity12.9%
Return on assets1.4%
Liabilities / assets88.7%
Cash & investments$97.13M
Total debt$138.51M
Net cash (debt)-$41.37M
Income statement
| Line item | 2027 Q1 | 2026 ANNUAL | 2026 Q4 | 2026 Q3 | 2026 Q2 |
|---|---|---|---|---|---|
| Total Operating Revenue | $53.09M | $200.65M | $51.76M | $50.25M | $49.65M |
| Net Interest Income | $45.94M | $172.85M | $44.41M | $43.16M | $42.87M |
| -Interest Income | $75.83M | $288.99M | $72.77M | $70.96M | $72.23M |
| -Interest Expense | $29.89M | $116.14M | $28.36M | $27.80M | $29.36M |
| Non-Interest Income | $7.15M | $27.80M | $7.36M | $7.09M | $6.78M |
| -Total Premiums Earned | $726,000.00 | $2.57M | $794,000.00 | $677,000.00 | $552,000.00 |
| -Fees and Commissions | $5.69M | $22.63M | $5.88M | $5.49M | $5.74M |
| -Other Non-Interest Income | $606,000.00 | $1.69M | $347,000.00 | $695,000.00 | $319,000.00 |
| -Gain Loss on Sale of Assets | $127,000.00 | $904,000.00 | $336,000.00 | $226,000.00 | $167,000.00 |
| Credit Losses Provision | -$2.95M | -$11.45M | -$3.19M | -$2.08M | -$1.68M |
| Non-Interest Expense | $26.57M | $102.09M | $25.54M | $26.22M | $25.27M |
| Occupancy and Equipment | $4.01M | $15.45M | $3.79M | $4.04M | $3.83M |
| Professional Expense and Contract Services Expense | $549,000.00 | $2.71M | $633,000.00 | $521,000.00 | $478,000.00 |
| Selling and Admin Expenses | $15.80M | $59.38M | $15.19M | $15.10M | $14.79M |
| -Selling & Marketing Expense | $635,000.00 | $2.29M | $580,000.00 | $553,000.00 | $538,000.00 |
| -General & Admin Expense | $15.16M | $57.09M | $14.61M | $14.55M | $14.25M |
| Depreciation & Amortization & Depletion | $687,000.00 | $3.08M | $702,000.00 | $709,000.00 | $808,000.00 |
| -Depreciation & Amortization | $687,000.00 | $3.08M | $702,000.00 | $709,000.00 | $808,000.00 |
| Other Non-Interest Expenses | $5.53M | $21.48M | $5.23M | $5.85M | $5.36M |
| Pretax Profit | $23.57M | $87.10M | $23.03M | $21.94M | $22.70M |
| Tax | $4.47M | $15.27M | $2.75M | $4.18M | $4.55M |
| Net Profit | $19.10M | $71.84M | $20.28M | $17.76M | $18.15M |
| Profit from Continuing Operations | $19.10M | $71.84M | $20.28M | $17.76M | $18.15M |
| Net Income to Parent Company | $19.10M | $71.84M | $20.28M | $17.76M | $18.15M |
| Other Preferred Stock Dividends | $81,000.00 | $314,000.00 | $86,000.00 | $81,000.00 | $79,000.00 |
| Net Income to Common Stockholders | $19.02M | $71.53M | $20.19M | $17.68M | $18.07M |
| Basic EPS | $1.73 | $6.44 | $1.84 | $1.60 | $1.62 |
| Diluted EPS | $1.73 | $6.43 | $1.83 | $1.60 | $1.62 |
| Dividend Per Share | $0.27 | $1.00 | $0.25 | $0.25 | $0.25 |
Balance sheet
| Line item | 2027 Q1 | 2026 ANNUAL | 2026 Q4 | 2026 Q3 | 2026 Q2 |
|---|---|---|---|---|---|
| Total Assets | $5.31B | $5.24B | $5.24B | $5.14B | $5.09B |
| Cash, Cash Equivalents & Federal Funds Sold | $97.13M | $90.97M | $90.97M | $93.29M | $134.31M |
| -Cash and Cash Equivalents | $97.13M | $90.97M | $90.97M | $93.29M | $134.31M |
| Securities Investment | $454.06M | $196.68M | $196.68M | $166.82M | $146.07M |
| -Short Term Investments | $454.06M | $196.68M | $196.68M | $166.82M | $146.07M |
| Net Loan | $4.40B | $4.34B | $4.34B | $4.27B | $4.17B |
| -Gross Loan | $4.46B | $4.39B | $4.39B | $4.32B | $4.23B |
| -Allowance for Loans and Lease Losses | $58.27M | $54.91M | $54.91M | $55.94M | $54.47M |
| Net PPE | $92.79M | $93.19M | $93.19M | $93.37M | $94.56M |
| Goodwill and Other Intangible Assets | $69.93M | $70.62M | $70.62M | $71.33M | $72.05M |
| Bank-Owned Life Insurance | $77.47M | $77.12M | $77.12M | $77.16M | $76.79M |
| Federal Home Loan Bank Stock | $19.86M | $20.11M | $20.11M | $18.86M | $18.55M |
| Other Assets | $100.19M | $322.15M | $322.15M | $325.10M | $346.09M |
| Total Liabilities | $4.71B | $4.65B | $4.65B | $4.57B | $4.53B |
| Total Deposits | $4.47B | $4.41B | $4.41B | $4.34B | $4.31B |
| Federal Funds Purchased and Securities Sold Under Agreement to Repurchase | $25.00M | $20.00M | $20.00M | $20.00M | $20.00M |
| Long Term Debt and Capital Lease Obligation | $138.51M | $146.19M | $146.19M | $128.28M | $125.28M |
| -Long Term Debt | $138.51M | $146.19M | $146.19M | $128.28M | $125.28M |
| Other Liabilities | $70.64M | $59.89M | $59.89M | $67.11M | $59.33M |
| Total Equity | $601.15M | $590.68M | $590.68M | $573.51M | $567.36M |
| Stockholders' Equity | $601.15M | $590.68M | $590.68M | $573.51M | $567.36M |
| -Unearned Income | – | $0.00 | $0.00 | $0.00 | $0.00 |
| Receivables | – | $26.87M | $26.87M | $28.09M | $32.60M |
| -Accounts Receivable | – | $26.87M | $26.87M | $28.09M | $32.60M |
| -Gross PPE | – | $143.44M | $143.44M | $142.36M | $142.01M |
| -Accumulated Depreciation | – | -$50.24M | -$50.24M | -$48.99M | -$47.45M |
| -Goodwill | – | $50.73M | $50.73M | $50.73M | $50.73M |
| -Other Intangible Assets | – | $19.89M | $19.89M | $20.60M | $21.32M |
| Payables | – | $11.78M | $11.78M | $11.65M | $14.09M |
| -Accounts Payable | – | $11.78M | $11.78M | $11.65M | $14.09M |
| Capital Stock | – | $120,000.00 | $120,000.00 | $120,000.00 | $120,000.00 |
| -Common Stock | – | $120,000.00 | $120,000.00 | $120,000.00 | $120,000.00 |
| Additional Paid-In Capital | – | $223.60M | $223.60M | $222.97M | $221.59M |
| Retained Earnings | – | $420.28M | $420.28M | $402.75M | $387.77M |
| Less: Treasury Stock | – | $43.55M | $43.55M | $43.26M | $33.48M |
| Gains/Losses Not Affecting Retained Earnings | – | -$9.77M | -$9.77M | -$9.07M | -$8.64M |
Cash flow
| Line item | 2026 ANNUAL | 2026 Q4 | 2026 Q3 | 2026 Q2 | 2026 Q1 |
|---|---|---|---|---|---|
| Operating Cash Flow | $80.52M | $13.98M | $29.00M | $21.25M | $16.30M |
| Net cash flow from continuing operations | $80.52M | $13.98M | $29.00M | $21.25M | $16.30M |
| Net Income from Continuing Operations | $71.84M | $20.28M | $17.76M | $18.15M | $15.65M |
| Gain/Loss from Continuing Operations | -$904,000.00 | -$31,000.00 | -$531,000.00 | -$167,000.00 | -$175,000.00 |
| Depreciation & Depletion & Amortization | $9.59M | $2.30M | $2.33M | $2.45M | $2.50M |
| Other Non-Cash Items | -$5.45M | -$1.89M | -$488,000.00 | -$2.01M | -$1.06M |
| Change in Working Capital | -$7.01M | -$10.20M | $6.96M | $1.25M | -$5.03M |
| -Change in Receivables | -$850,000.00 | $1.23M | $4.51M | -$2.01M | -$4.57M |
| -Change in Prepaid Assets | -$6.21M | -$7.09M | $217,000.00 | $732,000.00 | -$70,000.00 |
| -Change in Payables and Accrued Expense | $1.34M | -$1.96M | $2.14M | $2.43M | -$1.26M |
| -Change in Deferred Charges | -$1.30M | -$2.38M | $102,000.00 | $101,000.00 | $879,000.00 |
| Net cash flow from investing | -$303.57M | -$97.99M | -$93.37M | -$28.30M | -$83.91M |
| Net Cash Flow from Continuing Investing Activities | -$303.57M | -$97.99M | -$93.37M | -$28.30M | -$83.91M |
| Proceeds Payment in Interest Bearing Deposits in Bank | $249,000.00 | $249,000.00 | $0.00 | -$1,000.00 | $1,000.00 |
| Net PPE Purchase and Sale | -$3.96M | -$1.51M | -$456,000.00 | -$1.10M | -$901,000.00 |
| Net Investment Purchase and Sale | $3.03M | -$18.92M | $3.09M | $7.51M | $11.35M |
| Net Income from Loans | -$303.95M | -$78.37M | -$96.24M | -$34.90M | -$94.45M |
| Net Other Investing Changes | $1.07M | $548,000.00 | $238,000.00 | $187,000.00 | $93,000.00 |
| Financing Cash Flow | $121.15M | $81.95M | $23.35M | $17.00M | -$1.14M |
| Net Cash Flow from Continuing Financing Activities | $121.15M | $81.95M | $23.35M | $17.00M | -$1.14M |
| Change in Federal Funds and Securities Sold for Repurchase | $5.00M | $0.00 | $0.00 | $0.00 | $5.00M |
| Increase/Decrease in Deposit | $126.56M | $66.95M | $32.60M | $27.86M | -$862,000.00 |
| Net Issuance Payments of Debt | $18.85M | $17.89M | $2.99M | -$13,000.00 | -$2.01M |
| Net Common Stock Issuance | -$18.58M | -$292,000.00 | -$9.78M | -$8.06M | -$446,000.00 |
| Cash Dividends Paid | -$11.13M | -$2.75M | -$2.78M | -$2.79M | -$2.82M |
| Proceeds from Stock Option Exercised | $460,000.00 | $144,000.00 | – | – | – |
| Ending Cash Balance | $90.97M | $90.97M | $93.04M | $134.06M | $124.11M |
| Net Change in Cash | -$101.89M | -$2.07M | -$41.02M | $9.95M | -$68.75M |
| Beginning Cash Balance | $192.86M | $93.04M | $134.06M | $124.11M | $192.86M |
| Free Cash Flow | $76.56M | $12.47M | $28.54M | $20.15M | $15.40M |
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