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. In the quarter to June 2026, revenue grew 2.83%, EPS grew 31.4%, free cash flow fell 50.5% and total debt rose 14.9%, each against the same quarter a year earlier. Dividend growth for twenty-five consecutive years, revenue growth for ten.
Follow SMBC
Southern Missouri Bancorp, Inc. (SMBC) Piotroski F-score
Southern Missouri Bancorp, Inc.'s Piotroski F-score for fiscal 2026 is 7 out of 9: 7 of nine tests of profitability, leverage and efficiency passed, down from 8 in fiscal 2025.
Piotroski F-score, annual
Embed this chart
Annual newest first
| Period | Piotroski F-score | Change (points) |
|---|---|---|
| FY2026 | 7 | (1.00) |
| FY2025 | 8 | 1.00 |
| FY2024 | 7 | 3.00 |
| FY2023 | 4 | (2.00) |
| FY2022 | 6 | (1.00) |
| FY2021 | 7 | 1.00 |
| FY2020 | 6 | 0.00 |
| FY2019 | 6 | 0.00 |
| FY2018 | 6 | 2.00 |
| FY2017 | 4 | — |
How fiscal 2026’s score is made up
| Test | This year | Year before | Result | Points |
|---|---|---|---|---|
| Positive return on assets | 1.39% | 1.21% | Pass | 1 |
| Positive operating cash flow | 80.52m | 81.56m | Pass | 1 |
| Rising return on assets | 1.39% | 1.21% | Pass | 1 |
| Cash flow above net income | 9.00m | 23.24m | Pass | 1 |
| Falling long-term leverage | 0.03 | 0.03 | Fail | 0 |
| Rising current ratio | 0.99 | 0.98 | Pass | 1 |
| No new shares issued | 11,102,000 | 11,235,000 | Pass | 1 |
| Rising gross margin | 63.34% | 59.80% | Pass | 1 |
| Rising asset turnover | 0.06 | 0.06 | Fail | 0 |
| Piotroski F-score | Strong — most fundamentals improved | 7 | ||
How the Piotroski F-score works
One point for each of nine tests, this fiscal year against the one before: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, a rising current ratio, no new shares issued, a rising gross margin and rising asset turnover. The ratios are the ones on this site, so each can be checked.
Joseph Piotroski (2000) called 8–9 high and 0–1 low; reading it in three bands is the common convention:
| 7–9 | Strong — most fundamentals improved |
|---|---|
| 4–6 | Mixed |
| 0–3 | Weak — most fundamentals deteriorated |
Where this differs from the paper: return on assets is on average rather than beginning-of-year assets, and weighted basic shares stand in for shares issued. The score is shown only when all nine tests can be worked out, which takes three fiscal years; banks and insurers, which report no current assets or gross profit, have none.
Piotroski F-score against peers
| Company | Piotroski F-score |
|---|---|
| PGC Peapack-Gladstone Financial Corporation compare | 9 |
| SHBI Shore Bancshares Inc compare | 8 |
| IBCP Independent Bank Corp. compare | 8 |
| SPFI South Plains Financial, Inc. compare | 8 |
| SMBC Southern Missouri Bancorp, Inc. | 7 |
| FISI Financial Institutions, Inc. compare | 6 |
| ALRS Alerus Financial compare | 6 |
| ORRF Orrstown Financial Services Inc compare | 5 |
| HTB HomeTrust Bancshares, Inc. compare | — |
What Piotroski F-score is
The Piotroski F-Score tells an investor how many signs of improving profitability, funding and efficiency a company shows against a year earlier.
One point for each of nine tests against a year earlier: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, rising current ratio, no new shares issued, rising gross margin, and rising asset turnover