Southern Missouri Bancorp, Inc.
SMBC Nasdaq· Savings Institutions, Not Federally Chartered
Last close · Oct 26, 2026
$72.22
KIRA · Stoqly’s AI analyst, in plain words
- Southern Missouri Bancorp, Inc. had $201M of revenue in fiscal 2026, up 9.9% on the year before. Over five years, revenue changed +12.2% a year on average.
- Southern Missouri Bancorp, Inc. made $71.8M of net profit in fiscal 2026. From fiscal 2017 to 2026, diluted EPS grew 13.4% a year.
- Southern Missouri Bancorp, Inc. returned $11.1M to shareholders in fiscal 2026, 15% of free cash flow. The diluted share count fell 1.1%.
- It earned 12.7% on shareholders’ money. Running costs took 50.9% of revenue (the efficiency ratio; lower is better).
Market cap
$804M
P/E
11.2x
Revenue
$201M
Net income
$71.8M
Return on equity
12.7%
Efficiency ratio
50.9%
Southern Missouri Bancorp, Inc. in 30 seconds · fiscal 2026
Are sales growing?
+9.9%
Yes. Sales grew 9.9% last year.
Does it make a profit?
35.8%
Yes. It keeps 35.8% of every sale as profit.
How lean are its costs?
50.9%
Lean. Running costs take 50.9% of revenue.
How much does it earn on its capital?
12.7%
Good. It earns 12.7% a year on shareholders’ money.
How is the share priced?
11.2x
One share costs 11.2 times its yearly profit per share.
What Southern Missouri Bancorp, Inc. does
No business description yet.
- Fiscal year ends
- June 30, 2026
- Latest annual report
- 10-K · Sep 11, 2026
- Legal name
- SOUTHERN MISSOURI BANCORP, INC.
- CIK
- 0000916907
Southern Missouri Bancorp, Inc. · SMBC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $125M | $153M | $164M | $183M | $201M |
| Revenue growth | 10.7% | 22.6% | 7.4% | 11.1% | 9.9% |
| Net interest income | $104M | $127M | $139M | $155M | $173M |
| Net income | $47.2M | $39.2M | $50.2M | $58.6M | $71.8M |
| Net margin | 37.8% | 25.7% | 30.5% | 32.1% | 35.8% |
| Diluted EPS | $5.21 | $3.85 | $4.42 | $5.18 | $6.43 |
| Cash | |||||
| Cash from operations | $67.3M | $62.0M | $70.3M | $81.6M | $80.5M |
| Capital expenditure | $4.6M | $6.0M | $9.0M | $6.3M | $4.0M |
| Free cash flow | $62.7M | $56.0M | $61.2M | $75.3M | $76.6M |
| FCF margin | 50.3% | 36.6% | 37.3% | 41.2% | 38.2% |
| Dividends paid | $7.2M | $8.6M | $9.5M | $10.4M | $11.1M |
| Share count change | — | — | — | −0.4% | −1.1% |
| Debt and strength | |||||
| Cash and short-term investments | $86.8M | $54.0M | $60.9M | $193M | $91.0M |
| Loans, net | $2.7B | $3.6B | $3.8B | $4.0B | $4.3B |
| Deposits | $2.8B | $3.7B | $3.9B | $4.3B | $4.4B |
| Shareholders' equity | $321M | $446M | $489M | $545M | $591M |
| Returns and quality | |||||
| Return on equity | 15.6% | 10.2% | 10.7% | 11.3% | 12.7% |
| Return on tangible equity | 16.1% | 9.9% | 11.5% | 11.9% | 13.3% |
| Efficiency ratio | 50.8% | 56.5% | 59.4% | 55.9% | 50.9% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$1.8M
6 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Southern Missouri Bancorp, Inc. · SMBC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $72.22 a share, the company is worth $804M: 11.2 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000916907). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.