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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?

SOUTHERN MISSOURI BANCORP, INC.'s P/E (TTM) is 11.13 as of the 2026-11-04 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the SMBC stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 11.1× as of Nov '26) can differ. 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), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.