stockportfolio.pro
Southern Missouri Bancorp, Inc. (SMBC)
Financial Services · Banks - Regional · NasdaqGM
Southern Missouri Bancorp, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $124.77M | $152.95M | $164.33M | $182.60M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $14.85M | $15.55M | $20.93M | $28.90M | $27.55M | $47.18M | $47.17M | $39.24M | $50.18M | $58.58M |
| Net margin | — | — | — | — | — | — | 37.8% | 25.7% | 30.5% | 32.1% |
Source: Southern Missouri Bancorp, Inc. SEC filings (10-K). 16 years of history available in the interactive view.
What growth is priced into SMBC stock?
At today's market cap of $780.35M, Southern Missouri Bancorp, Inc. is priced for free-cash-flow growth of about -1.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $75.29M from the FY ending 2025-06-30). For comparison, free cash flow actually grew 15.9%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 16 years of Southern Missouri Bancorp, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
Open the interactive view — freeOr start a 7-day free trial to track SMBC in your portfolio →
Southern Missouri Bancorp, Inc. financial history by metric
About Southern Missouri Bancorp, Inc.
Southern Missouri Bancorp, Inc. operates as the bank holding company for Southern Bank that provides banking and financial services to individuals and corporate customers in the United States. The company offers deposits products, including interest-bearing and noninterest-bearing transaction accounts, money market deposit accounts, saving accounts, certificates of deposit, and retirement savings plans. It also provides loans secured by mortgages on one- to four-family residences and commercial and agricultural real estate; construction loans on residential and commercial properties; commercial and agricultural business loans; and consumer loans. In addition, the company offers fiduciary and investment management services; commercial and consumer insurance products; and debit or credit cards. The company was founded in 1887 and is headquartered in Poplar Bluff, Missouri.
Southern Missouri Bancorp, Inc. — frequently asked questions
What is Southern Missouri Bancorp, Inc.'s revenue?
Southern Missouri Bancorp, Inc. (SMBC) reported revenue of $182.60M for fiscal year 2025, up 11.1% from the prior year, according to its SEC filings.
Is Southern Missouri Bancorp, Inc. profitable?
Yes. SMBC earned net income of $58.58M in fiscal 2025, a net margin of 32.1%.
What is SMBC's P/E ratio?
Southern Missouri Bancorp, Inc. trades at a price-to-earnings ratio of about 11.8 based on the latest data in our nightly-refreshed cache.
How much debt does Southern Missouri Bancorp, Inc. have?
As of fiscal year 2025, SMBC carried roughly $127.26M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Southern Missouri Bancorp, Inc.'s market cap?
Southern Missouri Bancorp, Inc. (SMBC) has a market capitalization of about $780.35M, based on the latest data in our nightly-refreshed cache.
When does Southern Missouri Bancorp, Inc.'s fiscal year end?
SMBC's fiscal year ends in June. Its most recent annual filing covers the fiscal year ending 2025-06-30.
What growth is priced into SMBC stock?
At today's market cap of $780.35M, Southern Missouri Bancorp, Inc. is priced for free-cash-flow growth of about -1.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $75.29M from the FY ending 2025-06-30). For comparison, free cash flow actually grew 15.9%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from Southern Missouri Bancorp, Inc.'s official SEC filings (10-K and 10-Q), covering 16 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.