SMBC - NASDAQ

Southern Missouri Bancorp, Inc.

SMBC·NASDAQ

$67.50

-3.0%

Financial ServicesBanks - Regional

Southern 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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$743.56M

EPS5.1900

P/E Ratio13.01

Earnings Date07/22/2026

5.02B

Assets

3Y+56.0%

5Y+97.0%

10Y+258.0%

4.47B

Total Liabilities

3Y+55.0%

5Y+96.0%

10Y+250.0%

544.69M

Total Equity

11%

3Y+70.0%

5Y+111.0%

10Y+332.0%

Southern Missouri Bancorp, Inc. Funding & Solvency Profile

SMBC · NASDAQ

Current Assets

Cash & Cash Equivalents193.10M

Net Receivables4.05B

Inventory0.00

Other Current Assets0.00

Total Current Assets5 B

Non-Current Assets

Property, Plant & Equipment95.98M

Goodwill & Intangible Assets73.72M

Long-Term Investments4.05B

Other Non-Current Assets-4.05B

Total Non-Current Assets96 M

Total Assets

5.02B

Financial Health Analysis

Current Ratio

1.09x

Acceptable liquidity, but monitor closely. Current assets just barely cover current liabilities.

Debt-to-Equity Ratio

8.22x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

391 M

Positive working capital, but relatively tight. The company should monitor cash flow carefully.

Asset Composition

94% Current

Asset-light business model with high liquidity. Majority of assets are easily convertible to cash.

Southern Missouri Bancorp, Inc. Balance Sheet

SMBC • NASDAQ

Southern Missouri Bancorp, Inc. Balance Sheet	Jun 2025	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020	Jun 2019	Jun 2018	Jun 2017	Jun 2016	Jun 2015	Jun 2014	Jun 2013	Jun 2012	Jun 2011	Jun 2010	Jun 2009	Jun 2008	Jun 2007	Jun 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	193.1M	61.4M	55.2M	91.6M	124.6M	55.2M	36.4M	28.3M	31.5M	23.3M	18.7M	16.6M	13.8M	34.7M	34.7M	34.5M	8.1M	8M	7.3M	6.4M
Short-Term Investments	460.8M	427.9M	417.6M	235.4M	207M	176.5M	165.5M	146.3M	144.4M	129.2M	129.6M	130.2M	80M	75.1M	0.0	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	653.9M	489.3M	472.8M	327M	331.6M	231.7M	201.9M	174.6M	175.9M	152.5M	148.3M	146.8M	93.8M	109.8M	34.7M	34.5M	8.1M	8M	7.3M	6.4M
Net Receivables	4B	23.8M	18.9M	11.1M	10.1M	12.1M	10.2M	8M	6.8M	5.5M	5.2M	4.4M	4M	3.7M	3.8M	3M	2.7M	3M	2.2M	2M
Accounts Receivables	4B	23.8M	18.9M	11.1M	10.1M	12.1M	10.2M	8M	6.8M	5.5M	5.2M	4.4M	4M	3.7M	3.8M	3M	2.7M	3M	2.2M	2M
Inventory	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-8.7M	-8.6M	-4.6M	0.0	0.0	0.0
Prepaids	0.0	0.0	0.0	23.4M	18.6M	15.4M	21.9M	18.5M	17.5M	17.2M	18.8M	17.6M	13.4M	10.4M	8.7M	8.6M	4.6M	0.0	0.0	0.0
Total Current Assets	4.7B	513.1M	491.6M	361.4M	360.3M	259.2M	234M	201.1M	200.2M	175.2M	172.3M	168.8M	111.2M	123.9M	47.2M	46.1M	15.3M	11M	9.6M	8.3M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	96M	96M	92.4M	71.3M	64.1M	65.1M	62.7M	54.8M	54.2M	46.9M	39.7M	22.5M	17.5M	11.3M	8.1M	7.7M	8.1M	8.2M	8.7M	8.9M
Goodwill	50.7M	50.7M	50.8M	27.3M	14.1M	14.1M	14.1M	13.1M	8.6M	4.6M	4.6M	1.6M	126.4K	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Intangible Assets	23M	26.5M	30.5M	8.2M	7.1M	7.7M	9.2M	6.9M	6.8M	3.3M	4.2M	2.3M	914K	1.5M	1.9M	1.6M	1.6M	3M	2.2M	2M
Goodwill & Intangible Assets	73.7M	77.2M	81.2M	35.5M	21.2M	21.8M	23.3M	20M	15.4M	7.9M	8.8M	3.9M	1M	1.5M	1.9M	1.6M	1.6M	1.8M	2.1M	2.3M
Long-Term Investments	4B	3.8B	3.6B	2.7B	2.2B	2.1B	1.8B	1.6B	1.4B	1.1B	1.1B	801.1M	647.2M	584.5M	620.6M	486.2M	429.2M	383M	346.9M	319.3M
Other Non-Current Assets	-4B	120.7M	123.8M	60.4M	54.7M	54.1M	47.9M	46.8M	40.2M	38.4M	26.2M	25.1M	19.5M	18M	10.5M	10.5M	12.2M	13.8M	12.7M	11.7M
Total Non-Current Assets	169.7M	4.1B	3.9B	2.9B	2.3B	2.3B	2B	1.7B	1.5B	1.2B	1.1B	852.6M	685.2M	615.2M	641M	505.9M	455.2M	406.8M	370.3M	342.4M
Other Assets	147.9M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Assets	5B	4.6B	4.4B	3.2B	2.7B	2.5B	2.2B	1.9B	1.7B	1.4B	1.3B	1B	796.4M	739.2M	688.2M	552.1M	465.9M	417.8M	379.9M	350.7M
LIABILITIES
CURRENT LIABILITIES
Total Payables	14.2M	12.9M	4.7M	801K	779K	1.6M	2.1M	1.2M	918K	720K	777K	569K	528.5K	625.7K	5.5M	1.6M	2.7M	2M	2.1M	1.5M
Accounts Payable	14.2M	12.9M	4.7M	801K	779K	1.6M	2.1M	1.2M	918K	720K	777K	569K	528.5K	625.7K	5.5M	1.6M	2.7M	1.2M	1.4M	744.1K
Other Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	821.4K	742.8K	803.7K
Accrued Expenses	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	834.3K	857.4K	0.0	0.0	0.0	0.0
Short Term Debt	15M	9.4M	0.0	0.0	0.0	0.0	4.4M	3.3M	10.2M	27.1M	27.3M	25.6M	27.8M	25.6M	25.2M	30.4M	23.7M	21.8M	17.8M	11.3M
Tax Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	455K	325K	463K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	4.3B	3.9B	3.7B	2.8B	2.3B	2.2B	1.9B	1.6B	1.5B	1.1B	1.1B	785.8M	632.4M	584.8M	560.2M	422.9M	312M	292.3M	270.1M	258.1M
Total Current Liabilities	4.3B	4B	3.7B	2.8B	2.3B	2.2B	1.9B	1.6B	1.5B	1.1B	1.1B	811.9M	660.7M	611.1M	591.8M	455.7M	338.4M	316.1M	290M	270.9M
NON-CURRENT LIABILITIES
Long Term Debt	127.3M	125.2M	156.6M	61M	72.8M	85.2M	63M	94.6M	61.5M	125M	79.5M	95.2M	31.7M	31.7M	40.7M	50.7M	86M	71.3M	61.2M	53.2M
Other Non-Current Liabilities	37.1M	25M	27.3M	17.1M	12.8M	12.2M	12.9M	6.4M	6.4M	4.5M	4.6M	3.2M	2.1M	1.7M	0.0	0.0	0.0	0.0	0.0	0.0
Total Non-Current Liabilities	164.4M	150.2M	183.9M	78.1M	85.5M	97.3M	75.8M	101M	67.9M	129.4M	84.1M	98.4M	33.9M	33.4M	40.7M	50.7M	86M	71.3M	61.2M	53.2M
Capital Lease Obligations	0.0	0.0	0.0	0.0	0.0	2M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	4.5B	4.1B	3.9B	2.9B	2.4B	2.3B	2B	1.7B	1.5B	1.3B	1.2B	910.3M	694.6M	644.5M	632.5M	506.4M	423.9M	387.3M	351.2M	324.1M
SHAREHOLDERS' EQUITY
Treasury Stock	-25M	-25M	-21.1M	-21.1M	-15.3M	-6.9M	-1.2M	0.0	0.0	0.0	0.0	0.0	0.0	-26.3K	-13.8M	-14M	-14M	-13M	-13M	-12.7M
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	20M	20M	20M	20M	9.5M	9.4M	9.4M	0.0	0.0	0.0
Common Stock	120K	120K	119K	98K	94K	93K	93K	90K	86K	74K	74K	33K	32.6K	32.5K	29.6K	29.6K	29.6K	29.6K	29.6K	29.6K
Additional Paid-In Capital	221.3M	219.7M	218.3M	119.2M	95.6M	95M	94.5M	83.4M	70.1M	34.4M	33.9M	23.5M	22.8M	22.5M	16.3M	16.4M	16.3M	16.7M	17.4M	17.4M
Retained Earnings	359.6M	311.4M	270.7M	240.1M	200.1M	165.7M	143.7M	119.5M	102.4M	89.8M	77.8M	66.8M	59M	51.4M	43M	33.1M	29.9M	27.4M	24.6M	22.5M
Accumulated Other Comprehensive Income/Loss	-11.4M	-17.5M	-21.9M	-17.5M	2.9M	4.4M	1.2M	-2.3M	527K	1.7M	861K	588K	-178.9K	699.9K	535.6K	588K	116K	-595.2K	-348.8K	-690.3K
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	177.6K	177.1K	176.8K	176.8K	176.8K	176.8K	0.0	0.0	0.0
Total Stockholders' Equity	544.7M	488.7M	446.1M	320.8M	283.4M	258.3M	238.4M	200.7M	173.1M	126M	132.6M	111.1M	101.8M	94.7M	55.7M	45.6M	42M	30.5M	28.7M	26.6M
Total Equity	544.7M	488.7M	446.1M	320.8M	283.4M	258.3M	238.4M	200.7M	173.1M	126M	132.6M	111.1M	101.8M	94.7M	55.7M	45.6M	42M	30.5M	28.7M	26.6M
SUMMARY
Total Liabilities & Equity	5B	4.6B	4.4B	3.2B	2.7B	2.5B	2.2B	1.9B	1.7B	1.4B	1.3B	1B	796.4M	739.2M	688.2M	552.1M	465.9M	417.8M	379.9M	350.7M
Total Investments	4.5B	4.2B	4B	2.9B	2.4B	2.3B	2B	1.7B	1.5B	1.3B	1.2B	931.3M	727.2M	659.6M	620.6M	486.2M	429.2M	383M	346.9M	319.3M
Total Debt	142.3M	134.6M	156.6M	61M	72.8M	85.2M	67.3M	97.9M	71.7M	152.1M	106.8M	120.8M	59.5M	57.4M	65.9M	81.1M	109.7M	93.1M	79M	64.5M
Net Debt	-50.8M	73.2M	101.4M	-30.5M	-51.8M	29.9M	31M	69.6M	40.2M	128.8M	88.1M	104.2M	45.7M	22.7M	31.3M	46.6M	101.6M	85M	71.6M	58.1M
Shares Outstanding	11,290,667	11,290,667	11,290,667	11,290,667	11,290,667	11,290,667	11,290,667	11,290,667	11,290,667	11,290,667	11,290,667	11,290,667	11,290,667	11,290,667	11,290,667	11,290,667	11,290,667	11,290,667	11,290,667	11,290,667

SEC Filings

SMBC - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
10-Q 10-Q 2026 Q1 Q1	May 08, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 05, 2026	May 04, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 23, 2026	April 21, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 10, 2026	February 09, 2026	2026	View Filing
10-Q 10-Q 2025 Q4 Q4	February 06, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 22, 2026	January 20, 2026	2026	View Filing
8-K 8-K 2025 N/A	November 25, 2025	November 25, 2025	2025	View Filing
8-K 8-K 2025 N/A	November 10, 2025	November 10, 2025	2025	View Filing
10-Q 10-Q 2025 Q3 Q3	November 07, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 23, 2025	October 20, 2025	2025	View Filing

Showing 1 to 10 of 408 filings

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