Southern Missouri Bancorp Inc (SMBC)

Name: Southern Missouri Bancorp Inc Financial Statements
Creator: Quarter Results

Financial Services | Banks Regional

Latest reporting period: 2025-12-31

Latest Quarter

2025-12-31

Revenue

$79.0M

Net Income

$18.2M

Operating Margin

30.9%

Free Cash Flow

$75.3M

Debt / Assets

89.1%

Values are in USD and rounded to the nearest whole number unless noted.

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Income statement quarterly history for Southern Missouri Bancorp Inc (SMBC).
Income Statement (Quarterly)	2025-12-31	2025-09-30	2025-03-31	2024-12-31
Revenue	79,008,000	79,603,000	76,554,000	69,424,000
Cost of Revenue	29,362,000	35,112,000	76,554,000	0
Gross Profit	49,646,000	44,491,000	0	69,424,000
Operating Expenses
R&D Expenses	0	0	0	0
SG&A Expenses	13,651,000	14,299,000	0	1,061,000
Operating Expenses	25,270,000	25,051,000	0	1,061,000
Operating Income	24,376,000	19,440,000	19,822,000	68,363,000
Interest Expense	29,362,000	30,612,000	0	31,281,000
Income Before Tax	22,696,000	19,440,000	19,822,000	19,200,000
Income Tax Expense	4,546,000	3,790,000	4,139,000	4,547,000
Net Income	18,150,000	15,650,000	15,612,000	14,653,000
Per Share
EPS	1.62	1.39	1.39	1.30
EPS Diluted	0.00	0.00	0.00	0.00

Income statement annual history for Southern Missouri Bancorp Inc (SMBC).
Income Statement (Annual)	2025-06-30	2024-06-30	2023-06-30	2022-06-30	2021-06-30
Revenue	305,246,000	160,727,000	152,949,000	124,771,000	112,728,000
Cost of Revenue	129,272,000	112,492,000	66,732,000	0	0
Gross Profit	176,077,000	160,727,000	135,888,000	124,771,000	0
Operating Expenses
R&D Expenses	0	0	0	0	0
SG&A Expenses	60,163,000	57,835,000	50,138,000	45,943,000	39,725,000
Operating Expenses	102,083,000	97,617,000	86,425,000	-47,087,000	0
Operating Income	73,994,000	77,086,000	49,463,000	77,684,000	0
Interest Expense	122,749,000	108,892,000	49,671,000	13,299,000	16,789,000
Income Before Tax	73,994,000	63,110,000	49,463,000	59,902,000	59,705,000
Income Tax Expense	15,414,000	12,928,000	10,226,000	12,736,000	12,525,000
Net Income	58,315,000	50,182,000	39,237,000	47,169,000	47,180,000
Per Share
EPS	5.19	4.42	3.86	5.22	5.22
EPS Diluted	0.00	0.00	0.00	0.00	0.00

Balance sheet quarterly history for Southern Missouri Bancorp Inc (SMBC).
Balance Sheet (Quarterly)	2025-06-30	2024-06-30	2023-06-30	2022-06-30
Assets
Cash and Cash Equivalents	193,105,000	60,904,000	55,220,000	91,577,000
Short Term Investments	460,844,000	427,903,000	417,554,000	235,377,000
Net Receivables	4,048,069,000	23,826,000	0	11,052,000
Inventory	0	0	-96,569,000	0
Total Current Assets	4,702,018,000	513,124,000	472,774,000	2,872,578,000
Property Plant Equipment	95,982,000	95,952,000	92,397,000	71,347,000
Goodwill and Intangibles	73,721,000	77,232,000	81,245,000	62,751,000
Total Assets	5,019,607,000	4,604,316,000	4,360,211,000	3,214,782,000
Liabilities
Account Payables	14,186,000	12,868,000	4,723,000	17,923,000
Short Term Debt	15,000,000	0	0	8,436,000
Total Current Liabilities	4,310,554,000	3,965,325,000	31,994,000	17,923,000
Long Term Debt	127,280,000	125,206,000	156,619,000	61,012,000
Total Liabilities	4,474,915,000	4,115,568,000	156,619,000	2,894,010,000
Shareholders Equity
Retained Earnings	359,576,000	311,376,000	270,720,000	240,115,000
Total Shareholders Equity	544,692,000	488,748,000	446,058,000	320,772,000

Balance sheet annual history for Southern Missouri Bancorp Inc (SMBC).
Balance Sheet (Annual)	2025-06-30	2024-06-30	2023-06-30	2022-06-30	2021-06-30
Assets
Cash and Cash Equivalents	193,105,000	60,904,000	55,220,000	91,577,000	124,571,000
Short Term Investments	460,844,000	427,903,000	417,554,000	235,377,000	207,020,000
Net Receivables	4,048,069,000	23,826,000	0	11,052,000	10,079,000
Inventory	0	0	-96,569,000	0	0
Total Current Assets	4,702,018,000	513,124,000	472,774,000	2,872,578,000	2,408,215,000
Property Plant Equipment	95,982,000	95,952,000	92,397,000	71,347,000	64,077,000
Goodwill and Intangibles	73,721,000	77,232,000	81,245,000	62,751,000	21,218,000
Total Assets	5,019,607,000	4,604,316,000	4,360,211,000	3,214,782,000	2,700,530,000
Liabilities
Account Payables	14,186,000	12,868,000	4,723,000	17,923,000	13,532,000
Short Term Debt	15,000,000	0	0	8,436,000	0
Total Current Liabilities	4,310,554,000	3,965,325,000	31,994,000	17,923,000	0
Long Term Debt	127,280,000	125,206,000	156,619,000	61,012,000	72,772,000
Total Liabilities	4,474,915,000	4,115,568,000	156,619,000	2,894,010,000	2,417,107,000
Shareholders Equity
Retained Earnings	359,576,000	311,376,000	270,720,000	240,115,000	200,140,000
Total Shareholders Equity	544,692,000	488,748,000	446,058,000	320,772,000	283,423,000

Cash flow quarterly history for Southern Missouri Bancorp Inc (SMBC).
Cash Flow Statement (Quarterly)	2025-06-30	2024-06-30	2023-06-30	2022-06-30
Operating Activities
Net Income	58,578,000	50,182,000	39,237,000	47,169,000
Depreciation & Amortization	10,022,000	10,092,000	7,556,000	5,921,000
Stock Based Compensation	1,667,000	1,029,000	839,000	697,000
Change in Working Capital	12,065,000	12,406,000	3,041,000	13,542,000
Operating Cash Flow	81,557,000	70,268,000	62,023,000	67,342,000
Investing Activities
Capital Expenditure	-6,263,000	-9,047,000	-6,039,000	-4,617,000
Investments	-6,263,000	-9,047,000	-6,039,000	-4,617,000
Investing Cash Flow	-285,112,000	-245,735,000	-213,405,000	-303,928,000
Financing Activities
Debt Repayment	1,946,000	-31,552,000	-1,818,381,000	-29,300,000
Common Stock Issued/Repurchased	0	-3,856,000	0	-5,838,000
Dividends Paid	-10,378,000	-9,526,000	-8,632,000	-7,194,000
Financing Cash Flow	335,510,000	182,392,000	118,552,000	199,803,000
Summary
Free Cash Flow	75,294,000	61,221,000	55,984,000	62,725,000
Net Change in Cash	131,955,000	6,925,000	-32,830,000	-36,783,000

Cash flow annual history for Southern Missouri Bancorp Inc (SMBC).
Cash Flow Statement (Annual)	2025-06-30	2024-06-30	2023-06-30	2022-06-30	2021-06-30
Operating Activities
Net Income	58,578,000	50,182,000	39,237,000	47,169,000	47,180,000
Depreciation & Amortization	10,022,000	10,092,000	7,556,000	5,921,000	5,424,000
Stock Based Compensation	1,667,000	1,029,000	839,000	697,000	550,000
Change in Working Capital	12,065,000	12,406,000	3,041,000	13,542,000	4,594,000
Operating Cash Flow	81,557,000	70,268,000	62,023,000	67,342,000	51,762,000
Investing Activities
Capital Expenditure	-6,263,000	-9,047,000	-6,039,000	-4,617,000	-2,856,000
Investments	-6,263,000	-9,047,000	-6,039,000	-4,617,000	-2,856,000
Investing Cash Flow	-285,112,000	-245,735,000	-213,405,000	-303,928,000	-101,918,000
Financing Activities
Debt Repayment	1,946,000	-31,552,000	-1,818,381,000	-29,300,000	-122,649,000
Common Stock Issued/Repurchased	0	-3,856,000	0	-5,838,000	-8,341,000
Dividends Paid	-10,378,000	-9,526,000	-8,632,000	-7,194,000	-5,598,000
Financing Cash Flow	335,510,000	182,392,000	118,552,000	199,803,000	119,503,000
Summary
Free Cash Flow	75,294,000	61,221,000	55,984,000	62,725,000	48,906,000
Net Change in Cash	131,955,000	6,925,000	-32,830,000	-36,783,000	69,347,000