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Southern Missouri Bancorp
(NASDAQ:SMBC)
Southern Missouri Bancorp (SMBC) vs. SPDR S&P 500 ETF (SPY)
Southern Missouri Bancorp Business Overview & Revenue Model
Southern Missouri Bancorp Earnings Call Summary
Southern Missouri Bancorp Financial Statement Overview
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 303.79M | 305.25M | 273.22M | 202.62M | 138.07M | 129.52M |
| Gross Profit | 134.40M | 176.08M | 160.73M | 135.89M | 123.28M | 112.73M |
| EBITDA | 87.61M | 84.02M | 73.20M | 57.02M | 65.83M | 65.13M |
| Net Income | 61.70M | 58.31M | 50.18M | 39.24M | 47.17M | 47.18M |
Balance Sheet | ||||||
| Total Assets | 5.04B | 5.02B | 4.60B | 4.36B | 3.21B | 2.70B |
| Cash, Cash Equivalents and Short-Term Investments | 578.21M | 653.95M | 489.30M | 472.77M | 326.95M | 331.59M |
| Total Debt | 0.00 | 142.28M | 125.21M | 156.62M | 61.01M | 72.77M |
| Total Liabilities | 4.48B | 4.47B | 4.12B | 3.91B | 2.89B | 2.42B |
| Stockholders Equity | 560.22M | 544.69M | 488.75M | 446.06M | 320.77M | 283.42M |
Cash Flow | ||||||
| Free Cash Flow | 83.03M | 75.29M | 61.22M | 55.98M | 62.73M | 48.91M |
| Operating Cash Flow | 87.86M | 81.56M | 70.27M | 62.02M | 67.34M | 51.76M |
| Investing Cash Flow | -268.39M | -285.11M | -245.74M | -213.41M | -303.93M | -101.92M |
| Financing Cash Flow | 229.29M | 335.51M | 182.39M | 118.55M | 199.80M | 119.50M |
Southern Missouri Bancorp Technical Analysis
Southern Missouri Bancorp Risk Analysis
Southern Missouri Bancorp Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $651.95M | 15.10 | 6.26% | 4.84% | 8.23% | -0.07% | |
74 Outperform | $611.28M | 9.92 | 11.54% | 1.81% | 9.34% | 25.21% | |
74 Outperform | $598.94M | 12.83 | 9.01% | 0.92% | 13.41% | 41.78% | |
72 Outperform | $626.46M | 9.29 | 14.51% | 3.34% | 4.29% | 10.56% | |
72 Outperform | $590.85M | 10.38 | 12.97% | 1.63% | 5.87% | 37.99% | |
68 Neutral | $621.11M | 13.88 | 10.23% | 0.89% | 8.26% | 94.53% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
Southern Missouri Bancorp Corporate Events
Southern Missouri Bancorp, Inc., the parent company of Southern Bank, operates in the banking sector, offering a range of financial services primarily in Missouri. The company is known for its focus on community banking and customer service.
Southern Missouri’s recent earnings call revealed a mixed sentiment, with notable achievements in net interest margin expansion and loan growth. The company also reported a significant increase in tangible book value. However, these positives were tempered by concerns over increased credit loss provisions, rising nonperforming loans, and a decline in noninterest income. Additionally, challenges in the agricultural sector were highlighted as potential risks.
On October 20, 2025, Southern Missouri Bancorp, Inc. held its Annual Meeting of shareholders in Poplar Bluff, Missouri, with 79.65% of common shares represented. During the meeting, Charles R. Love was elected for a two-year term, while Daniel P. McCoy, Kenneth J. Bower, and Daniel L. Jones were each elected for three-year terms. Additionally, the advisory vote on executive compensation was approved, and FORVIS MAZARS, LLP was ratified as the independent auditors for the fiscal year ending June 30, 2026.
The most recent analyst rating on (SMBC) stock is a Hold with a $66.00 price target. To see the full list of analyst forecasts on Southern Missouri Bancorp stock, see the SMBC Stock Forecast page.
On October 21, 2025, Southern Missouri Bancorp announced a quarterly dividend of $0.25 per common share, marking its 126th consecutive quarterly dividend. The company reported a preliminary net income of $15.7 million for the first quarter of fiscal 2026, a 25.6% increase from the previous year, driven by higher net interest income and slightly lower non-interest expenses. However, this was partially offset by increased provision for credit losses and higher income taxes. The company also experienced growth in its loan portfolio, particularly in real estate and non-real estate sectors, while deposit balances saw a slight decrease. Southern Missouri Bancorp plans to host a conference call on October 23, 2025, to discuss these results further.
The most recent analyst rating on (SMBC) stock is a Hold with a $66.00 price target. To see the full list of analyst forecasts on Southern Missouri Bancorp stock, see the SMBC Stock Forecast page.
Southern Missouri’s recent earnings call presented a balanced sentiment, reflecting both positive financial performance and growth in key areas, alongside challenges that temper the outlook. The company reported improvements in earnings, net interest margin, and dividends, yet faced difficulties in credit quality and the agricultural sector.
Southern Missouri Bancorp, Inc. presented its investor materials at the KBW Community Bank Investor Conference on July 29, 2025, highlighting its strong financial performance in fiscal 2025. The company reported a 17.2% increase in earnings per share, driven by robust net interest income and asset growth. The tangible book value per share rose by 14.1%, and loans increased by 6.6% compared to the previous year. The company also announced an 8.7% increase in its quarterly dividend, reflecting its strong capital position. These results underscore Southern Missouri Bancorp’s successful growth strategy and solidify its position in the banking industry.
The most recent analyst rating on (SMBC) stock is a Hold with a $51.00 price target. To see the full list of analyst forecasts on Southern Missouri Bancorp stock, see the SMBC Stock Forecast page.