Southern Missouri Bancorp, Inc. (SMBC) Stock Analysis
Financial Services · Banks - Regional · NasdaqGM
Southern Missouri Bancorp, Inc. (SMBC) posted $182.60M in revenue for fiscal 2025 (up 11.1% year over year), at a 32.1% net margin, per its SEC filings.
Data last refreshed September 3, 2026 from SEC filings · how we compute this
The analyst's take on Southern Missouri Bancorp, Inc.
Southern Missouri Bancorp, Inc. has grown revenue from — to $182.60M over the last 10 fiscal years. The most recent year was up 11.1%.
Net margin sits at 32.1%, up 1.6 points year over year. It carries about $127.26M of total debt.
At today's valuation the market is pricing in roughly -1.4% annual free-cash-flow growth — versus the 15.9% it actually delivered over the last five years, so the price is arguably undemanding against what it has already proven. It clears 6 of 7 deterministic health checks. The one thing worth a second look in the filings is share count rising (dilution).
Synthesised from Southern Missouri Bancorp, Inc.'s SEC filings — descriptive, not advice. Ask the analyst your own question →
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Southern Missouri Bancorp, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | $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.
Southern Missouri Bancorp, Inc. financial health: 6 of 7 checks passed
- ✓Profitable every year (last 5)
- ✓Net margin above 10% (32.1%)
- ✓More cash than total debt (cash 653.9M vs debt 127.3M)
- ✓Positive operating cash flow (last 5 yrs)
- ✓Free cash flow positive (latest yr) (75.3M)
- ✗Share count falling over 3 yrs (buybacks) (9.2M → 11.3M shares)
- ✓Pays a dividend (8 consecutive yrs in our data)
Checks computed deterministically from filed annual statements — no AI judgement.
Southern Missouri Bancorp, Inc.: 2 potential red flags in the filings
Patterns in the filed statements worth a second look — computed and cited, not AI guesswork, and not a signal to sell. The kind of thing that hides in a 10-K.
- Share count rising (dilution)Shares outstanding grew 22.5% over 3 years (9.2M → 11.3M) — existing holders' stakes are being diluted.
- Net margin shrinkingNet margin fell from 37.8% to 32.1% over ~3 years — profitability is compressing.
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.
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Southern Missouri Bancorp, Inc. financial history
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.
Does Southern Missouri Bancorp, Inc. pay a dividend?
Yes, SMBC pays a dividend — the yield is about 1.41%.
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.