Saturday 17 October 2026 Export SMBC’s income statement to Excel — free account

Southern Missouri Bancorp, Inc.

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.

70.18 0.29 +0.41%

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Market cap: $769.7M
P/E: 10.9×
Fwd P/E: 10.3×
Dividend yield: 1.45%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 1.77

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	1	—	—	—	1	—	2	1	—	1	1	—

Insider Ownership 14.88%

Capital & Financial Ratios $m

Market Cap 769.71

Revenue 316.78

Net Income 71.84

Free Cash Flow 78.36

Net Debt 55.22

Current Ratio 0.99

Debt/Equity 0.25

P/E ratio 10.88

Fwd P/E 10.30

P/S ratio 2.46

P/B ratio 1.32

Past 5Y EPS Growth 4.26%

This Y EPS Growth 3.04%

Next Y EPS Growth 3.61%

Next Y revenue growth (33.52%)

Next 5Y EPS Growth 3.65%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 44.53%

10-year low 10-year high

P/S against its own 10 years 36.86%

10-year low 10-year high

P/B against its own 10 years 45.08%

10-year low 10-year high

Dividends

Payout Ratio 0.16

Annual Dividend Rate 1.02

Annual Dividend Yield 1.45%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	1.00	0.25 0.25 0.27
2025	0.96	0.23 0.23 0.25 0.25
2024	0.88	0.21 0.21 0.23 0.23
2023	0.84	0.21 0.21 0.21 0.21
2022	0.82	0.20 0.20 0.21 0.21
2021	0.72	0.16 0.16 0.20 0.20
2020	0.60	0.15 0.15 0.15 0.15
2019	0.56	0.13 0.13 0.15 0.15
2018	0.48	0.11 0.11 0.13 0.13
2017	0.42	0.10 0.10 0.11 0.11
2016	0.38	0.09 0.09 0.10 0.10

predictions special payouts not included in total or ratios

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%

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.

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.

Group	Line	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026	2027e
Price, $
Price, $	Low	30.30	30.29	29.92	17.30	29.26	41.79	30.28	39.00	45.10	58.28	Analyst estimates 2027–2029 Powerpack
	High	40.80	41.49	39.80	38.98	61.93	58.50	55.45	68.69	63.54	79.86
People
People	Employees	390	415	470	492	488	544	703	734	739	739
	Revenue/emp, $m	0.19	0.22	0.24	0.25	0.27	0.25	0.29	0.37	0.41	0.43
Income, $m
Income, $m	Revenue	73	90	111	122	130	138	203	273	305	317
	Gross margin, %	85.72	83.48	77.66	77.90	87.04	90.37	75.49	60.14	59.80	63.34
	EBT	22	29	36	34	60	60	49	63	74	87
	EBT margin, %	29.78	32.09	32.51	28.27	46.10	43.39	24.41	23.10	24.23	27.50
	Net income	16	21	29	28	47	47	39	50	59	72
	Depreciation	4	4	3	5	6	6	5	4	5	7
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
	Earnings	2.08	2.40	3.14	3.00	5.22	5.22	3.85	4.43	5.18	6.45
	Cash flow	3.42	3.51	4.20	4.39	5.75	7.49	6.13	6.22	7.26	7.25
	Capex	(0.29)	0.14	(0.58)	(0.25)	(0.09)	(0.25)	(0.03)	(0.69)	(0.20)	(0.19)
	Free cash flow	3.13	3.65	3.62	4.13	5.65	7.24	6.10	5.53	7.06	7.06
	Book value	23.13	22.98	25.93	28.11	31.46	35.67	44.06	43.28	48.48	53.20
	Shares, m	7	9	9	9	9	9	10	11	11	11
Valuation, ×
Valuation, ×	P/E	15.51	16.62	10.50	8.10	8.61	8.67	9.88	10.02	10.55	11.82
	P/S	3.33	3.89	2.75	1.83	3.13	2.95	1.92	1.83	2.02	2.67
	P/B	1.39	1.74	1.28	0.86	1.43	1.27	0.87	1.03	1.13	1.43
	EV/Sales	3.70	4.60	2.96	2.08	2.73	2.73	2.42	2.07	1.80	2.85
	EV/FCF	11.45	12.92	9.85	6.67	6.94	5.79	7.95	9.04	6.93	11.50
Cash, $m
Cash, $m	Operating cash flow	26	31	39	40	52	67	62	70	82	81
	Capex	(2)	1	(5)	(2)	(1)	(2)	0	(8)	(2)	(2)
	Free cash flow	23	32	33	38	51	65	62	62	79	78
Balance, $m
Balance, $m	Working capital	(40)	6	(23)	11	(9)	(44)	(112)	(108)	(79)	(43)
	Total debt	58	92	60	85	73	61	157	125	127	146
	Net debt	27	63	24	30	(52)	(31)	101	64	(66)	55
	Shareholders’ equity	173	201	238	258	283	321	446	489	545	591
Returns, %
Returns, %	ROA	1.00	1.16	1.41	1.16	1.79	1.59	1.03	1.11	1.21	1.39
	ROIC	6.75	6.80	8.58	7.46	16.11	12.90	5.65	7.14	9.66	8.43
	ROE	10.40	11.20	13.17	11.09	17.36	15.55	10.18	10.68	11.29	12.60

Negative figures in brackets.

All 10 years →

Fiscal years to Jun 2026 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
ORRF Orrstown Financial Services Inc	$816.1M	9.3×	8.8×	+0.90% (above 0%: growing)	+8.91% (above 0%: growing)	−5.50% (below 0%: shrinking)	70.78%	0.00%	Compare
SPFI South Plains Financial, Inc.	$809.1M	11.4×	11.7×	+16.84% (above 0%: growing)	+10.00% (above 0%: growing)	+104.00% (above 0%: growing)	72.34%	0.00%	Compare
IBCP Independent Bank Corp.	$783.4M	10.2×	10.0×	+5.66% (above 0%: growing)	+12.35% (above 0%: growing)	−1.00% (below 0%: shrinking)	76.53%	0.00%	Compare
HTB HomeTrust Bancshares, Inc.	$776.1M	12.2×	12.9×	−4.58% (below 0%: shrinking)	−5.94% (below 0%: shrinking)	+417.30% (above 0%: growing)	77.45%	0.00%	Compare
FISI Financial Institutions, Inc.	$773.9M	9.6×	9.2×	+0.58% (above 0%: growing)	+24.71% (above 0%: growing)	+397.95% (above 0%: growing)	68.40%	0.00%	Compare
PGC Peapack-Gladstone Financial Corporation	$769.9M	14.8×	11.9×	+10.12% (above 0%: growing)	+97.78% (above 0%: growing)	+388.43% (above 0%: growing)	70.34%	0.00%	Compare
SMBC Southern Missouri Bancorp, Inc.	$769.7M	10.9×	10.3×	+2.83% (above 0%: growing)	+31.43% (above 0%: growing)	−50.54% (below 0%: shrinking)	64.61%	0.00%
ALRS Alerus Financial	$765.5M	29.0×	9.7×	+1.35% (above 0%: growing)	+3.80% (above 0%: growing)	+136.92% (above 0%: growing)	77.88%	0.00%	Compare
SHBI Shore Bancshares Inc	$752.2M	11.4×	10.1×	+0.40% (above 0%: growing)	+21.74% (above 0%: growing)	+185.78% (above 0%: growing)	71.57%	0.00%	Compare
Median of peers	$775.0M	11.4×	10.1×	+1.13%	+11.18%	+161.35%	71.96%	0.00%

All 323 Banks Regional stocks →

Southern Missouri Bancorp, Inc. (SMBC) key facts

Strength: Southern Missouri Bancorp, Inc.’s revenue for fiscal 2026 (year ended June 2026) was $316.8 million, up 3.74% from fiscal 2025.
Strength: Net income was $71.8 million, or $6.45 per share (basic), a net margin of 22.6%.
Southern Missouri Bancorp, Inc. (SMBC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, SMBC traded at $70.18, a market capitalization of $769.7 million.
At that price the stock trades at 10.9× trailing-twelve-month earnings and 2.5× sales; its P/E is higher than 45% of its own readings over the past ten years.
Southern Missouri Bancorp, Inc. pays an annual dividend of $1.02 per share, a yield of 1.45%, with a payout ratio of 15.9%.
Return on equity was 12.6% and debt-to-equity 0.25.
Its Piotroski F-score is 7 out of 9 for fiscal 2026.