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SMBC Financials SOUTHERN MISSOURI BANCORP, INC.

15 years of revenue, profit, cash flow and balance-sheet history through FY2026, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Free cash flow has grown 9.4% per year over the past 5 years.

Shareholder returns

  • Dividends have been paid for 9 consecutive years, consuming 15.5% of earnings and 14.5% of free cash flow.
  • The dividend has grown 14.7% per year over the past 5 years.
Net income
$0 $36M $72M 2012 2014 2016 2018 2020 2022 2024 2026
Net income
Return on equity & assets (ROE / ROA)
0% 8% 17% 2012 2014 2016 2018 2020 2022 2024 2026
ROEROA
Shareholders' equity (book value)
$0 $295M $591M 2012 2014 2016 2018 2020 2022 2024 2026
Equity
Free cash flow (CFO − capex)
$0 $38M $77M 2012 2014 2016 2018 2020 2022 2024 2026
Free cash flow
Cash vs total debt
$0 $96M $193M 2012 2014 2016 2018 2020 2022 2024 2026
CashTotal debt
Cash flow: operating / investing / financing
-$304M $16M $336M $0 2012 2014 2016 2018 2020 2022 2024 2026
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MROEROAFCFTotal debtCash
2026 $72M 12.2% 1.4% $77M $91M
2025 $59M 10.8% 1.2% $75M $193M
2024 $50M 10.3% 1.1% $61M $61M
2023 $39M 8.8% 0.9% $56M $54M
2022 $47M 14.7% 1.5% $63M $87M
2021 $47M 16.6% 1.7% $49M $124M
2020 $28M 10.7% 1.1% $36M $54M
2019 $29M 12.1% 1.3% $31M $35M
2018 $21M 10.4% 1.1% $29M $26M
2017 $16M 9.0% 0.9% $23M $31M
2016 $15M 11.8% 1.1% $27M $23M
2015 $14M 10.3% 1.1% $27M $17M
2014 $10M 9.1% 1.0% $19M $15M
2013 $10M 9.9% 1.3% $8M $13M
2012 $10M 10.7% 1.4% $12M $33M

Valuation over time

How the market has priced SMBC against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 7.5 14.9 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
P/E
Dividend yield (%)
0.0 1.0 2.0 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
Dividend yield %

Frequently asked questions

Is SMBC growing its revenue and profit?

See the revenue and net-income charts above for SOUTHERN MISSOURI BANCORP, INC.'s multi-year trend.

How much debt does SMBC have?

As of FY2026, SOUTHERN MISSOURI BANCORP, INC. reported — of total debt against $91M of cash.

What is SMBC's profit margin?

In FY2026, gross margin was —, operating margin —, and net margin —.

What is SMBC's P/E ratio?

As of Sep '26, SOUTHERN MISSOURI BANCORP, INC. traded at a price-to-earnings ratio of about 11.2× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.