Southern Missouri Bancorp, Inc.
SMBC Nasdaq Savings Institutions, Not Federally Chartered Financials FY2017–FY2026
Revenue
Total sales reported in the income statement.
$201M
9.9%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
50.9%
5.0 pts
Net income
Profit after all expenses, interest and tax.
$71.8M
22.6%
Return on equity
Net income as a share of average shareholders' equity.
12.7%
1.3 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
—
P/E
Last close divided by diluted earnings per share over the last four quarters.
—
On $6.43 EPS (TTM)
What Southern Missouri Bancorp, Inc. does
No business description yet.
- Legal name
- SOUTHERN MISSOURI BANCORP, INC.
- Fiscal year ends
- June 30, 2026
- Latest annual report
- 10-K · Sep 11, 2026
- Accession · CIK
- 0001104659-26-107119
0000916907
Revenue and margins
Southern Missouri Bancorp, Inc. had $201M of revenue in fiscal 2026, up 9.9% on the year before.
FY17
Revenue $62.2M
FY18
Revenue $74.8M
FY19
Revenue $85.9M
FY20
Revenue $94.9M
FY21
Revenue $113M
FY22
Revenue $125M
FY23
Revenue $153M
FY24
Revenue $164M
FY25
Revenue $183M
FY26
Revenue $201M
Q1 '24
Revenue $41.2M
Q2 '24
Revenue $40.1M
Q3 '24
Revenue $40.1M
Q4 '24
Revenue $42.9M
Q1 '25
Revenue $43.8M
Q2 '25
Revenue $45.0M
Q3 '25
Revenue $46.1M
Q4 '25
Revenue $47.6M
Q1 '26
Revenue $49.0M
Q2 '26
Revenue $49.6M
Q3 '26
Revenue $50.2M
Q4 '26
Revenue $51.8M
FY17
Net interest share 82.2%
Efficiency ratio 61.5%
FY18
Net interest share 83.5%
Efficiency ratio 57.5%
FY19
Net interest share 84.8%
Efficiency ratio 55.8%
FY20
Net interest share 84.5%
Efficiency ratio 57.4%
FY21
Net interest share 82.2%
Efficiency ratio 47.9%
FY22
Net interest share 83.0%
Efficiency ratio 50.8%
FY23
Net interest share 82.9%
Efficiency ratio 56.5%
FY24
Net interest share 84.9%
Efficiency ratio 59.4%
FY25
Net interest share 84.7%
Efficiency ratio 55.9%
FY26
Net interest share 86.1%
Efficiency ratio 50.9%
Net interest share
Efficiency ratio
Q1 '24
Net interest share 85.8%
Efficiency ratio 57.5%
Q2 '24
Net interest share 85.9%
Efficiency ratio 59.5%
Q3 '24
Net interest share 86.1%
Efficiency ratio 62.5%
Q4 '24
Net interest share 81.9%
Efficiency ratio 58.3%
Q1 '25
Net interest share 83.6%
Efficiency ratio 59.0%
Q2 '25
Net interest share 84.7%
Efficiency ratio 55.3%
Q3 '25
Net interest share 85.6%
Efficiency ratio 55.0%
Q4 '25
Net interest share 84.7%
Efficiency ratio 54.6%
Q1 '26
Net interest share 86.6%
Efficiency ratio 51.1%
Q2 '26
Net interest share 86.4%
Efficiency ratio 50.9%
Q3 '26
Net interest share 85.9%
Efficiency ratio 52.2%
Q4 '26
Net interest share 85.8%
Efficiency ratio 49.3%
Net interest share
Efficiency ratio
Net income and earnings per share
From fiscal 2017 to 2026, diluted EPS grew 13.4% a year. Loss periods are shown in red.
FY17
Net income $15.6M
FY18
Net income $20.9M
FY19
Net income $28.9M
FY20
Net income $27.5M
FY21
Net income $47.2M
FY22
Net income $47.2M
FY23
Net income $39.2M
FY24
Net income $50.2M
FY25
Net income $58.6M
FY26
Net income $71.8M
Q1 '24
Net income $13.2M
Q2 '24
Net income $12.2M
Q3 '24
Net income $11.3M
Q4 '24
Net income $13.5M
Q1 '25
Net income $12.5M
Q2 '25
Net income $14.7M
Q3 '25
Net income $15.7M
Q4 '25
Net income $15.8M
Q1 '26
Net income $15.7M
Q2 '26
Net income $18.2M
Q3 '26
Net income $17.8M
Q4 '26
Net income $20.3M
FY17
Diluted EPS $2.07
FY18
Diluted EPS $2.39
FY19
Diluted EPS $3.14
FY20
Diluted EPS $2.99
FY21
Diluted EPS $5.22
FY22
Diluted EPS $5.21
FY23
Diluted EPS $3.85
FY24
Diluted EPS $4.42
FY25
Diluted EPS $5.18
FY26
Diluted EPS $6.43
Q1 '24
Diluted EPS $1.16
Q2 '24
Diluted EPS $1.07
Q3 '24
Diluted EPS $0.99
Q4 '24
Diluted EPS $1.19
Q1 '25
Diluted EPS $1.10
Q2 '25
Diluted EPS $1.30
Q3 '25
Diluted EPS $1.39
Q4 '25
Diluted EPS $1.39
Q1 '26
Diluted EPS $1.38
Q2 '26
Diluted EPS $1.62
Q3 '26
Diluted EPS $1.60
Q4 '26
Diluted EPS $1.83
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY17
ROE 9.0%
ROTE 9.5%
Efficiency ratio 61.5%
FY18
ROE 11.2%
ROTE 11.2%
Efficiency ratio 57.5%
FY19
ROE 13.2%
ROTE 12.9%
Efficiency ratio 55.8%
FY20
ROE 11.1%
ROTE 11.3%
Efficiency ratio 57.4%
FY21
ROE 17.4%
ROTE 17.6%
Efficiency ratio 47.9%
FY22
ROE 15.6%
ROTE 16.1%
Efficiency ratio 50.8%
FY23
ROE 10.2%
ROTE 9.9%
Efficiency ratio 56.5%
FY24
ROE 10.7%
ROTE 11.5%
Efficiency ratio 59.4%
FY25
ROE 11.3%
ROTE 11.9%
Efficiency ratio 55.9%
FY26
ROE 12.7%
ROTE 13.3%
Efficiency ratio 50.9%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
Southern Missouri Bancorp, Inc. returned $11.1M to shareholders in fiscal 2026, 15% of free cash flow. The diluted share count fell 1.1%.
FY17
Dividends —
Buybacks —
FY18
Dividends $3.8M
Buybacks —
FY19
Dividends $4.8M
Buybacks —
FY20
Dividends $5.5M
Buybacks —
FY21
Dividends $5.6M
Buybacks —
FY22
Dividends $7.2M
Buybacks —
FY23
Dividends $8.6M
Buybacks —
FY24
Dividends $9.5M
Buybacks —
FY25
Dividends $10.4M
Buybacks —
FY26
Dividends $11.1M
Buybacks —
Dividends
Buybacks
Q1 '24
Dividends $2.4M
Buybacks —
Q2 '24
Dividends $2.4M
Buybacks —
Q3 '24
Dividends $2.4M
Buybacks —
Q4 '24
Dividends $2.4M
Buybacks —
Q1 '25
Dividends $2.6M
Buybacks —
Q2 '25
Dividends $2.6M
Buybacks —
Q3 '25
Dividends $2.6M
Buybacks —
Q4 '25
Dividends $2.6M
Buybacks —
Q1 '26
Dividends $2.8M
Buybacks —
Q2 '26
Dividends $2.8M
Buybacks —
Q3 '26
Dividends $2.8M
Buybacks —
Q4 '26
Dividends $2.7M
Buybacks —
Dividends
Buybacks
FY17
Diluted shares —
FY18
Diluted shares —
FY19
Diluted shares —
FY20
Diluted shares —
FY21
Diluted shares —
FY22
Diluted shares —
FY23
Diluted shares —
FY24
Diluted shares 0.01B
FY25
Diluted shares 0.01B
FY26
Diluted shares 0.01B
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY17
Loans —
Deposits $1.5B
FY18
Loans $1.6B
Deposits $1.6B
FY19
Loans $1.8B
Deposits $1.9B
FY20
Loans $2.1B
Deposits $2.2B
FY21
Loans $2.2B
Deposits $2.3B
FY22
Loans $2.7B
Deposits $2.8B
FY23
Loans $3.6B
Deposits $3.7B
FY24
Loans $3.8B
Deposits $3.9B
FY25
Loans $4.0B
Deposits $4.3B
FY26
Loans $4.3B
Deposits $4.4B
Loans
Deposits
| Fiscal year end | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Loans, net | $2.7B | $3.6B | $3.8B | $4.0B | $4.3B |
| Deposits | $2.8B | $3.7B | $3.9B | $4.3B | $4.4B |
| Loans / deposits | 95.4% | 95.9% | 96.3% | 94.6% | 98.4% |
| Total assets | $3.2B | $4.4B | $4.6B | $5.0B | $5.2B |
| Shareholders' equity | $321M | $446M | $489M | $545M | $591M |
| Goodwill | $27.3M | $50.8M | $50.7M | $50.7M | $50.7M |
| Provision / loans | 0.1% | 0.5% | — | — | — |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
10 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||||
| Revenue | $62.2M | $74.8M | $85.9M | $94.9M | $113M | $125M | $153M | $164M | $183M | $201M |
| Net interest income | $51.1M | $62.4M | $72.8M | $80.1M | $92.7M | $104M | $127M | $139M | $155M | $173M |
| Noninterest income | $11.1M | $12.4M | $13.1M | $14.8M | $20.0M | $21.2M | $26.2M | $24.8M | $28.0M | $27.8M |
| Noninterest expense | $38.3M | $43.0M | $47.9M | $54.5M | $54.0M | $63.4M | $86.4M | $97.6M | $102M | $102M |
| Provision for credit losses | $2.3M | $3.0M | $2.0M | $6.0M | −$1.0M | $1.5M | $17.1M | — | — | — |
| Interest expense | $10.4M | $14.8M | $24.7M | $26.9M | $16.8M | $13.3M | $49.7M | — | — | — |
| Pretax income | $21.6M | $28.7M | $36.0M | $34.4M | $59.7M | $59.9M | $49.5M | $63.1M | $74.0M | $87.1M |
| Income tax | $6.1M | $7.8M | $7.0M | $6.9M | $12.5M | $12.7M | $10.2M | $12.9M | $15.4M | $15.3M |
| Net income | $15.6M | $20.9M | $28.9M | $27.5M | $47.2M | $47.2M | $39.2M | $50.2M | $58.6M | $71.8M |
| Net income to common | $15.6M | $20.9M | — | — | — | — | — | — | — | — |
| Diluted EPS | $2.07 | $2.39 | $3.14 | $2.99 | $5.22 | $5.21 | $3.85 | $4.42 | $5.18 | $6.43 |
| Diluted shares | — | — | — | — | — | — | — | 0.01B | 0.01B | 0.01B |
| Cash flow | ||||||||||
| Cash from operations | $25.6M | $30.6M | $38.6M | $40.3M | $51.8M | $67.3M | $62.0M | $70.3M | $81.6M | $80.5M |
| Capital expenditure | $3.0M | $2.1M | $7.7M | $4.3M | $2.9M | $4.6M | $6.0M | $9.0M | $6.3M | $4.0M |
| Free cash flow | $22.6M | $28.5M | $30.9M | $36.0M | $48.9M | $62.7M | $56.0M | $61.2M | $75.3M | $76.6M |
| Depreciation and amortization | $3.0M | $3.1M | $3.4M | $3.8M | $4.0M | $4.5M | $4.9M | — | — | — |
| Dividends paid | — | $3.8M | $4.8M | $5.5M | $5.6M | $7.2M | $8.6M | $9.5M | $10.4M | $11.1M |
| Dividends and buybacks | — | $3.8M | $4.8M | $5.5M | $5.6M | $7.2M | $8.6M | $9.5M | $10.4M | $11.1M |
| Balance sheet | ||||||||||
| Cash and short-term investments | $30.8M | $26.3M | $35.4M | $54.2M | $124M | $86.8M | $54.0M | $60.9M | $193M | $91.0M |
| Loans, net | — | $1.6B | $1.8B | $2.1B | $2.2B | $2.7B | $3.6B | $3.8B | $4.0B | $4.3B |
| Deposits | $1.5B | $1.6B | $1.9B | $2.2B | $2.3B | $2.8B | $3.7B | $3.9B | $4.3B | $4.4B |
| Current liabilities | $1.5B | $1.7B | $2.0B | $2.3B | — | — | — | — | — | — |
| Property and equipment, net | $54.2M | $54.8M | $62.7M | $65.1M | $64.1M | $71.3M | $92.4M | $96.0M | $96.0M | $93.2M |
| Goodwill | $8.6M | $13.1M | $14.1M | $14.1M | $14.1M | $27.3M | $50.8M | $50.7M | $50.7M | $50.7M |
| Intangible assets | — | — | — | — | $1.9M | — | — | — | — | — |
| Total assets | $1.7B | $1.9B | $2.2B | $2.5B | $2.7B | $3.2B | $4.4B | $4.6B | $5.0B | $5.2B |
| Total liabilities | $1.5B | $1.7B | $2.0B | $2.3B | $2.4B | $2.9B | $3.9B | $4.1B | $4.5B | $4.6B |
| Shareholders' equity | $173M | $201M | $238M | $258M | $283M | $321M | $446M | $489M | $545M | $591M |
| Margins | ||||||||||
| Net margin | 25.0% | 28.0% | 33.7% | 29.0% | 41.9% | 37.8% | 25.7% | 30.5% | 32.1% | 35.8% |
| FCF margin | 36.3% | 38.1% | 36.0% | 37.9% | 43.4% | 50.3% | 36.6% | 37.3% | 41.2% | 38.2% |
| Net interest share of revenue | 82.2% | 83.5% | 84.8% | 84.5% | 82.2% | 83.0% | 82.9% | 84.9% | 84.7% | 86.1% |
| Efficiency ratio | 61.5% | 57.5% | 55.8% | 57.4% | 47.9% | 50.8% | 56.5% | 59.4% | 55.9% | 50.9% |
| Returns | ||||||||||
| Return on equity | 9.0% | 11.2% | 13.2% | 11.1% | 17.4% | 15.6% | 10.2% | 10.7% | 11.3% | 12.7% |
| Return on assets | 0.9% | 1.2% | 1.4% | 1.2% | 1.8% | 1.6% | 1.0% | 1.1% | 1.2% | 1.4% |
| Return on tangible equity | 9.5% | 11.2% | 12.9% | 11.3% | 17.6% | 16.1% | 9.9% | 11.5% | 11.9% | 13.3% |
| Growth | ||||||||||
| Revenue growth | — | 20.2% | 14.9% | 10.5% | 18.8% | 10.7% | 22.6% | 7.4% | 11.1% | 9.9% |
| Net income growth | — | 34.6% | 38.1% | −4.7% | 71.3% | −0.0% | −16.8% | 27.9% | 16.7% | 22.6% |
| EPS growth | — | 15.5% | 31.4% | −4.8% | 74.6% | −0.2% | −26.1% | 14.8% | 17.2% | 24.1% |
| FCF growth | — | 26.2% | 8.4% | 16.5% | 35.9% | 28.3% | −10.7% | 9.4% | 23.0% | 1.7% |
| Share count change | — | — | — | — | — | — | — | — | −0.4% | −1.1% |
| Financial health | ||||||||||
| Loans / deposits | — | 99.0% | 97.5% | 98.0% | 94.4% | 95.4% | 95.9% | 96.3% | 94.6% | 98.4% |
| Provision / loans | — | 0.2% | 0.1% | 0.3% | −0.0% | 0.1% | 0.5% | — | — | — |
| Capital allocation | ||||||||||
| Capex / revenue | 4.9% | 2.9% | 9.0% | 4.5% | 2.5% | 3.7% | 3.9% | 5.5% | 3.4% | 2.0% |
| Payouts / FCF | — | 13.4% | 15.4% | 15.3% | 11.4% | 11.5% | 15.4% | 15.6% | 13.8% | 14.5% |
| Quality scores | ||||||||||
| Accruals ratio | −0.6% | −0.5% | −0.5% | −0.5% | −0.2% | −0.7% | −0.6% | −0.4% | −0.5% | −0.2% |
Source: SEC EDGAR XBRL filings (CIK 0000916907). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.