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Southern Missouri Bancorp, Inc.

SMBC

Southern Missouri Bancorp, Inc. • NASDAQ
$56.29 ▼ -0.65% (-0.37)
Market Cap $632.77 M
52w High $66.81
52w Low $45.10
Dividend Yield 0.96%
P/E 10.31
Volume 24.25K
Outstanding Shares 11.24M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q1-2026 $79.603M ▲ $25.051M ▼ $15.65M ▼ 19.66% ▼ $1.39 ▼ $21.939M ▲
Q4-2025 $77.916M ▲ $25.974M ▲ $15.786M ▲ 20.26% ▼ $1.4 ▲ $21.61M ▼
Q3-2025 $76.554M ▲ $25.391M ▲ $15.612M ▲ 20.393% ▲ $1.39 ▲ $22.355M ▲
Q2-2025 $76.289M ▲ $24.876M ▼ $14.653M ▲ 19.207% ▲ $1.3 ▲ $21.711M ▲
Q1-2025 $74.552M $25.841M $12.458M 16.71% $1.1 $18.34M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q1-2026 $271.413M ▼ $5.036B ▲ $4.476B ▲ $560.221M ▲
Q4-2025 $653.949M ▲ $5.02B ▲ $4.475B ▲ $544.692M ▲
Q3-2025 $398.766M ▲ $4.976B ▲ $4.448B ▲ $528.79M ▲
Q2-2025 $339.938M ▼ $4.908B ▲ $4.395B ▲ $512.371M ▲
Q1-2025 $495.556M $4.729B $4.224B $505.629M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q1-2026 $15.65M ▼ $16.3M ▼ $-83.906M ▼ $-1.142M ▼ $-68.748M ▼ $15.399M ▼
Q4-2025 $15.786M ▲ $27.323M ▲ $-78.745M ▼ $17.39M ▼ $-34.032M ▼ $25.847M ▲
Q3-2025 $15.682M ▲ $24.104M ▲ $11.795M ▲ $45.158M ▼ $81.057M ▲ $22.732M ▲
Q2-2025 $14.652M ▲ $20.138M ▲ $-117.536M ▼ $167.885M ▲ $70.487M ▲ $18.154M ▲
Q1-2025 $12.458M $9.992M $-100.626M $105.077M $14.443M $8.561M

Five-Year Company Overview

Income Statement

Income Statement Southern Missouri Bancorp’s income statement shows a steady build in revenue and profits over the past several years, with only a brief soft patch in earnings per share in the middle of the period. Profitability has been fairly resilient, suggesting the bank has managed funding costs and loan yields reasonably well through a shifting rate environment. Margins appear healthy and relatively stable, which is a positive sign for a regional bank that can’t rely on fee-heavy investment banking or trading. The overall picture is of a bank growing its top line while keeping its cost base under control, though earnings are still sensitive to interest rate cycles and credit conditions.

Balance Sheet

Balance Sheet The balance sheet has expanded meaningfully, with total assets and shareholder equity both trending upward, which points to growth and a gradually stronger capital base. Debt has risen but not in an alarming way relative to the growth in assets, indicating a measured use of borrowing rather than aggressive leverage. Cash levels are modest but have been maintained at a reasonable proportion of the balance sheet, which is typical for a community and regional bank that earns money by putting deposits to work. Overall, the bank appears to be scaling up while keeping its financial foundation sound, though continued growth will require ongoing discipline in credit quality and funding.

Cash Flow

Cash Flow Cash flow from operations has been consistently positive and has grown in line with the business, which is what you want to see from a lending-driven institution. Free cash flow also looks healthy, as the bank doesn’t require heavy spending on physical assets and has kept capital expenditures relatively low and stable. This pattern suggests that most of the cash generated by the business is available to support loan growth, digital investments, balance sheet strength, and shareholder returns. The stability of cash generation reduces financial stress, but it will still be influenced by swings in credit demand and deposit behavior.

Competitive Edge

Competitive Edge Southern Missouri Bancorp occupies a solid niche as a community-focused regional bank with deep roots in its markets, which can translate into sticky customer relationships and strong local brand recognition. It competes not only on price but on service, especially in commercial, agricultural, and relationship-based lending where local knowledge matters. The bank’s conservative risk culture and disciplined credit management are important advantages in a cyclical industry, helping it avoid severe losses in downturns. On the other hand, it faces ongoing pressure from much larger national banks and digital-first players, which can outspend it on technology and marketing, making its ability to maintain loyalty and service differentiation critical.

Innovation and R&D

Innovation and R&D While not a pure fintech player, Southern Missouri Bancorp has been proactive in adopting practical technology that directly improves customer experience and efficiency. Its use of interactive teller machines, a modern mobile and online platform, financial aggregation tools, and built-in credit score monitoring puts it on par with or ahead of many similarly sized peers. The bank is also using technology for internal governance and operational improvements, signaling a willingness to modernize beyond just customer-facing apps. Innovation here is evolutionary rather than disruptive, but it appears well targeted to deepen relationships, extend service hours, and make the bank more convenient and “stickier” for everyday users.

Summary

Southern Missouri Bancorp looks like a steadily growing regional bank that has combined traditional community banking strengths with a thoughtful push into digital services. Financial performance has been solid, with rising revenue, stable profitability, and a balance sheet that has grown while retaining a conservative profile. Cash generation is dependable, giving management room to support growth, invest in technology, and pursue selective acquisitions. Its key strengths are local relationships, prudent risk management, and a modern-enough digital offering; its key challenges are the usual ones for a regional bank: sensitivity to interest rates, regional economic health, and intense competition from both large banks and emerging digital platforms.

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October 22, 2025 · 6:00 PM UTC

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