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STOCKS

Southern Missouri Bancorp (SMBC)

NASDAQ:SMBC

SMBC

Southern Missouri Bancorp

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Southern Missouri Bancorp (SMBC) Ratios

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135 Followers

Southern Missouri Bancorp Ratios

SMBC's free cash flow for Q3 2025 was $0.59. For the 2025 fiscal year, SMBC's free cash flow was decreased by $ and operating cash flow was $0.26. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	2.37	0.13	14.78	160.27	25.25
Quick Ratio	2.37	0.13	17.80	160.27	35.37
Cash Ratio	0.10	0.02	1.73	5.11	9.21
Solvency Ratio	0.01	0.01	0.30	0.02	0.02
Operating Cash Flow Ratio	0.03	0.02	1.94	3.76	3.83
Short-Term Operating Cash Flow Coverage	4.63	0.00	0.00	0.00	0.00
Net Current Asset Value	$ 227.10M	$ -3.60B	$ 316.15M	$ -21.43M	$ -2.08B
Leverage Ratios
Debt-to-Assets Ratio	0.03	0.03	0.04	0.02	0.03
Debt-to-Equity Ratio	0.26	0.26	0.35	0.19	0.26
Debt-to-Capital Ratio	0.21	0.20	0.26	0.16	0.20
Long-Term Debt-to-Capital Ratio	0.19	0.20	0.26	0.14	0.15
Financial Leverage Ratio	9.22	9.42	9.77	10.02	9.53
Debt Service Coverage Ratio	0.48	0.55	0.94	3.99	3.13
Interest Coverage Ratio	0.60	0.58	1.00	5.84	3.56
Debt to Market Cap	0.22	0.25	0.40	0.13	0.12
Interest Debt Per Share	23.56	20.73	20.37	8.26	9.94
Net Debt to EBITDA	-0.62	0.88	1.78	-0.46	-0.80
Profitability Margins
Gross Profit Margin	43.94%	58.83%	100.00%	100.00%	100.00%
EBIT Margin	24.83%	23.10%	32.34%	48.01%	52.96%
EBITDA Margin	27.36%	26.79%	37.28%	52.76%	57.78%
Operating Profit Margin	24.83%	23.10%	32.34%	62.26%	52.96%
Pretax Profit Margin	24.83%	23.10%	32.34%	48.01%	52.96%
Net Profit Margin	19.63%	18.37%	25.65%	37.80%	41.85%
Continuous Operations Profit Margin	19.66%	18.37%	25.65%	37.80%	41.85%
Net Income Per EBT	79.07%	79.52%	79.33%	78.74%	79.02%
EBT Per EBIT	100.00%	100.00%	100.00%	77.11%	100.00%
Return on Assets (ROA)	1.17%	1.09%	0.90%	1.47%	1.75%
Return on Equity (ROE)	11.19%	10.27%	8.80%	14.70%	16.65%
Return on Capital Employed (ROCE)	2.44%	9.88%	1.14%	2.43%	2.22%
Return on Invested Capital (ROIC)	2.02%	7.85%	3.80%	1.91%	7.60%
Return on Tangible Assets	1.18%	1.11%	0.92%	1.48%	1.76%
Earnings Yield	9.19%	10.01%	10.08%	11.59%	11.65%
Efficiency Ratios
Receivables Turnover	0.07	11.47	0.00	11.29	11.18
Payables Turnover	0.00	8.74	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	3.11	2.85	1.66	1.75	1.76
Asset Turnover	0.06	0.06	0.04	0.04	0.04
Working Capital Turnover Ratio	-0.52	-0.08	0.09	0.08	0.40
Cash Conversion Cycle	4.96K	-9.92	0.00	32.33	32.63
Days of Sales Outstanding	4.96K	31.83	0.00	32.33	32.63
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	41.75	0.00	0.00	0.00
Operating Cycle	4.96K	31.83	0.00	32.33	32.63
Cash Flow Ratios
Operating Cash Flow Per Share	6.17	6.22	6.13	7.49	5.75
Free Cash Flow Per Share	5.58	5.42	5.53	6.97	5.43
CapEx Per Share	0.60	0.80	0.60	0.51	0.32
Free Cash Flow to Operating Cash Flow	0.90	0.87	0.90	0.93	0.94
Dividend Paid and CapEx Coverage Ratio	4.12	3.78	4.23	5.70	6.12
Capital Expenditure Coverage Ratio	10.35	7.77	10.27	14.59	18.12
Operating Cash Flow Coverage Ratio	0.49	0.56	0.40	1.10	0.71
Operating Cash Flow to Sales Ratio	0.23	0.26	0.41	0.54	0.46
Free Cash Flow Yield	9.81%	12.22%	14.38%	15.41%	12.08%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.88	9.99	9.92	8.63	8.58
Price-to-Sales (P/S) Ratio	2.15	1.83	2.55	3.26	3.59
Price-to-Book (P/B) Ratio	1.17	1.03	0.87	1.27	1.43
Price-to-Free Cash Flow (P/FCF) Ratio	10.19	8.18	6.95	6.49	8.28
Price-to-Operating Cash Flow Ratio	9.16	7.13	6.28	6.04	7.82
Price-to-Earnings Growth (PEG) Ratio	2.58	0.69	-0.38	0.00	0.12
Price-to-Fair Value	1.17	1.03	0.87	1.27	1.43
Enterprise Value Multiple	7.22	7.72	8.61	5.72	5.42
Enterprise Value	588.53M	565.37M	490.70M	376.50M	353.19M
EV to EBITDA	7.22	7.72	8.61	5.72	5.42
EV to Sales	1.97	2.07	3.21	3.02	3.13
EV to Free Cash Flow	9.38	9.23	8.76	6.00	7.22
EV to Operating Cash Flow	8.47	8.05	7.91	5.59	6.82
Tangible Book Value Per Share	41.86	36.44	407.15	28.69	27.54
Shareholders’ Equity Per Share	48.42	43.28	44.06	35.67	31.46
Tax and Other Ratios
Effective Tax Rate	0.21	0.20	0.21	0.21	0.21
Revenue Per Share	26.49	24.19	15.11	13.87	12.51
Net Income Per Share	5.20	4.44	3.88	5.24	5.24
Tax Burden	0.79	0.80	0.79	0.79	0.79
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.15	0.20	0.32	0.36	0.34
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.23	1.40	1.58	1.43	1.10

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