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Southern Missouri Bancorp, Inc.

SMBC Financial Banks Regional

Southern Missouri Bancorp, Inc.’s revenue for fiscal 2026 (year ended June 2026) was $316.8 million, up 3.74% from fiscal 2025.

Revenue
+2.83%
EPS
+31.4%
Free cash flow
−50.5%
Total debt
+14.9%

Quarter to June 2026, against a year earlier

70.80 1.77 −2.44%
Market cap
$776.7M
P/E
11.0×
Fwd P/E
10.6×
Dividend yield
1.44%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 1.69
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — 1 — 2 1 — 1 1 — —
Insider Ownership 15.06%

Capital & Financial Ratios $m

Size
Market Cap 776.66
Revenue ttm 316.78
Net income ttm 71.84
Free cash flow ttm 78.36
Net debt Q 55.22
Valuation
P/E 10.98
Forward P/E 10.60
Price / sales 2.48
Forward P/S Powerpack
Price / FCF 10.03
Price / book 1.33
Financial health
Current ratio Q 0.99
Debt / equity Q 0.25
Interest coverage Q —
Growth
Revenue growth Q +2.83% (above 0%: growing)
Operating income growth Q +20.32% (above 0%: growing)
EPS, this year +4.41%
EPS, next year A +2.48%
Revenue, next year A −33.52% (below 0%: weak)
EPS, past 5 yrs +4.26%
EPS, next 5 yrs A +3.70%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 46.31%
10-year low 10-year high
P/S against its own 10 years 37.11%
10-year low 10-year high
P/B against its own 10 years 46.83%
10-year low 10-year high

Dividends raised every year since 2018

Yield
1.44%
Annual rate
1.02
Payout ratio
15.9%
Growth, 2018–26
+10.1%/yr
  1. 0.48 ’18
  2. 0.56 ’19 +17
  3. 0.60 ’20 +7
  4. 0.72 ’21 +20
  5. 0.82 ’22 +14
  6. 0.84 ’23 +2
  7. 0.88 ’24 +5
  8. 0.96 ’25 +9
  9. 1.04 ’26 +8
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 2026
Cash 55 61 193 91
Receivables — — — —
Inventory — — — —
Other — — — —
3,645 3,883 4,269 4,457
2023 2024 2025 2026
Payables 3,753 3,968 4,318 4,468
ST’ Debt — — — —
Other — — — —
3,758 3,990 4,348 4,500

Compound Annual Growth %

10y 5y 3y
Sales 16.97% 19.59% 16.06%
Cash Flow 16.38% 9.24% 9.09%
Earnings 17.09% 8.75% 22.36%
Book Value 16.71% 15.82% 9.81%

Earnings Trends EPS, adjusted, against the consensus

Q1 FY27 Estimate 1.67 Actual 1.73

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q2 FY26 1.56 1.62 Beat by 0.06
Q3 FY26 1.55 1.60 Beat by 0.05
Q4 FY26 1.65 1.83 Beat by 0.18
Q1 FY27 1.67 1.73 Beat by 0.06
Q2 FY27 1.69 — Reports 20 January 2027

EPS $

Sep Dec Mar Jun Year
’26 — — — — —
’26 1.38 1.62 1.60 1.83 6.43
’25 1.10 1.30 1.39 1.39 5.18
’24 1.16 1.07 0.99 1.19 4.41
’23 1.04 1.26 0.22 1.37 3.85
’22 1.43 1.35 1.03 1.41 5.22
’21 1.09 1.32 1.27 1.53 5.22
Fiscal quarters ending in the months shown.

Revenue $m

Sep Dec Mar Jun Year
’26 — — — — —
’26 80 79 78 80 317
’25 75 76 77 78 305
’24 64 67 70 72 273
’23 41 44 55 63 203
’22 33 33 33 38 138
’21 32 34 32 32 130
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Sep Dec Mar Jun Year
’26 — — — — —
’26 16 21 29 14 81
’25 10 20 24 27 82
’24 14 17 24 15 70
’23 7 21 11 23 62
’22 14 15 16 21 67
’21 6 14 13 19 52
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Sep Dec Mar Jun Year
’26 — — — — —
’26 15 21 29 13 78
’25 9 20 23 27 79
’24 13 17 20 14 62
’23 7 24 9 22 62
’22 12 15 16 22 65
’21 6 14 13 19 51
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to June

Ten-year view Analyst estimates Powerpack
Group Line 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 Trend 10 yrs 2027e 2028e 2029e Next 3/yr
Income, $m
Income, $m Revenue 73 90 111 122 130 138 203 273 305 317 +17.8% 211 217 — (17.2%)
Gross margin, % 85.72 83.48 77.66 77.90 87.04 90.37 75.49 60.14 59.80 63.34 (22.4) pt
EBT 22 29 36 34 60 60 49 63 74 87 +16.7%
EBT margin, % 29.78 32.09 32.51 28.27 46.10 43.39 24.41 23.10 24.23 27.50 (2.3) pt
Net income 16 21 29 28 47 47 39 50 59 72 +18.5%
Per share, $
Per share, $ Revenue 9.70 10.25 12.03 13.25 14.38 15.35 20.01 24.19 27.18 28.53 +12.7%
Earnings 2.08 2.40 3.14 3.00 5.22 5.22 3.85 4.43 5.18 6.45 +13.4%
Cash flow 3.42 3.51 4.20 4.39 5.75 7.49 6.13 6.22 7.26 7.25 +8.7%
Capex (0.29) 0.14 (0.58) (0.25) (0.09) (0.25) (0.03) (0.69) (0.20) (0.19) (4.4%)
Free cash flow 3.13 3.65 3.62 4.13 5.65 7.24 6.10 5.53 7.06 7.06 +9.5%
Book value 23.13 22.98 25.93 28.11 31.46 35.67 44.06 43.28 48.48 53.20 +9.7%
Shares, m 7 9 9 9 9 9 10 11 11 11 +4.5%
Valuation, ×
Valuation, × P/E 15.51 16.62 10.50 8.10 8.61 8.67 9.88 10.02 10.55 11.82 11.0
P/S 3.33 3.89 2.75 1.83 3.13 2.95 1.92 1.83 2.02 2.67 2.6
P/B 1.39 1.74 1.28 0.86 1.43 1.27 0.87 1.03 1.13 1.43 1.2
EV/Sales 3.70 4.60 2.96 2.08 2.73 2.73 2.42 2.07 1.80 2.85 2.8
EV/FCF 11.45 12.92 9.85 6.67 6.94 5.79 7.95 9.04 6.93 11.50 8.9
Cash, $m
Cash, $m Operating cash flow 26 31 39 40 52 67 62 70 82 81 +13.6%
Capex (2) 1 (5) (2) (1) (2) 0 (8) (2) (2) (0.1%)
Free cash flow 23 32 33 38 51 65 62 62 79 78 +14.4%
Balance, $m
Balance, $m Working capital (40) 6 (23) 11 (9) (44) (112) (108) (79) (43) +0.8%
Net debt 27 63 24 30 (52) (31) 101 64 (66) 55 +8.3%
Shareholders’ equity 173 201 238 258 283 321 446 489 545 591 +14.6%
Returns, %
Returns, % ROA 1.00 1.16 1.41 1.16 1.79 1.59 1.03 1.11 1.21 1.39 +0.4 pt
ROIC 6.75 6.80 8.58 7.46 16.11 12.90 5.65 7.14 9.66 8.43 +1.7 pt
ROE 10.40 11.20 13.17 11.09 17.36 15.55 10.18 10.68 11.29 12.60 +2.2 pt
People
People Employees 390 415 470 492 488 544 703 734 739 739 +7.4%
Revenue/emp, $m 0.19 0.22 0.24 0.25 0.27 0.25 0.29 0.37 0.41 0.43 +9.7%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Jun 2026 · latest quarter Jun 2026

Southern Missouri Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
PGC Peapack-Gladstone Financial Corporation $811.6M 15.6× 12.2× +10.12% (above 0%: growing) +97.78% (above 0%: growing) +388.43% (above 0%: growing) 70.34% 0.00% Compare
SPFI South Plains Financial, Inc. $807.8M 10.9× 11.3× +19.20% (above 0%: growing) +10.19% (above 0%: growing) +36.07% (above 0%: growing) 72.35% 0.00% Compare
IBCP Independent Bank Corp. $802.2M 10.6× 10.8× +14.65% (above 0%: growing) −4.71% (below 0%: shrinking) −1.00% (below 0%: shrinking) 76.31% 0.00% Compare
SMBC Southern Missouri Bancorp, Inc. $776.7M 11.0× 10.6× +2.83% (above 0%: growing) +31.43% (above 0%: growing) −50.54% (below 0%: shrinking) 64.61% 0.00%
FISI Financial Institutions, Inc. $771.3M 9.7× 9.4× +0.58% (above 0%: growing) +24.71% (above 0%: growing) +397.95% (above 0%: growing) 68.40% 0.00% Compare
AGBK AGI, Inc. $769.3M — — — — −476.07% (below 0%: shrinking) 45.30% 0.00% Compare
SHBI Shore Bancshares Inc $744.8M 10.9× 10.4× +3.34% (above 0%: growing) +16.84% (above 0%: growing) −14.11% (below 0%: shrinking) 71.59% 0.00% Compare
HTB HomeTrust Bancshares, Inc. $742.9M 12.2× 11.7× −4.58% (below 0%: shrinking) −5.94% (below 0%: shrinking) +417.30% (above 0%: growing) 77.45% 0.00% Compare
WASH Washington Trust Bancorp, Inc. $737.6M 11.5× 11.4× +0.09% (above 0%: growing) +78.95% (above 0%: growing) −48.12% (below 0%: shrinking) 65.83% 0.00% Compare
Median of peers $770.3M 10.9× 11.3× +3.34% +16.84% +17.54% 70.97% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 21 September 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2026 756.30k 997.43k 184.89
2025 690.77k 791.20k 130.68
2024 653.67k 784.97k 105.70
2023 661.14k 572.86k 88.58
2022 651.90k 648.19k 102.31

Ownership

Directors and executive officers, together 14.58%
Black Rock, Inc. 6.41%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Southern Missouri Bancorp, Inc. (SMBC) Latest News

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stockrow.com/SMBC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com