SMBC
Southern Missouri Bancorp Inc
NASDAQ: SMBC · FINANCIAL SERVICES · BANKS - REGIONAL
$68.24
+0.07% today
Updated 2026-04-30
Market cap
$768.52M
P/E ratio
12.07
P/S ratio
4.14x
EPS (TTM)
$5.78
Dividend yield
1.43%
52W range
$47 – $70
Volume
0.1M
Southern Missouri Bancorp Inc (SMBC) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $22.51M | $25.76M | $27.74M | $27.80M | $30.64M | $38.11M | $42.46M | $40.19M | $45.49M | $62.94M | $65.10M | $71.42M | $89.54M | $110.58M | $121.80M | $129.52M | $138.07M | $202.62M | $273.22M | $305.25M |
| Revenue growth (YoY) | — | +14.4% | +7.7% | +0.2% | +10.2% | +24.4% | +11.4% | -5.3% | +13.2% | +38.4% | +3.4% | +9.7% | +25.4% | +23.5% | +10.2% | +6.3% | +6.6% | +46.8% | +34.8% | +11.7% |
| Cost of revenue | $11.32M | $14.23M | $14.49M | $12.36M | $12.15M | $13.67M | $11.73M | $9.22M | $9.13M | $11.95M | $11.86M | $12.71M | $17.90M | $26.88M | $33.57M | $15.77M | $14.79M | $66.73M | $112.49M | $129.27M |
| Gross profit | $11.19M | $11.53M | $13.25M | $15.44M | $18.49M | $24.44M | $30.73M | $30.98M | $36.36M | $50.99M | $53.24M | $58.72M | $71.70M | $83.69M | $88.19M | $113.75M | $123.28M | $135.89M | $160.73M | $176.08M |
| Gross margin | 49.7% | 44.8% | 47.8% | 55.6% | 60.3% | 64.1% | 72.4% | 77.1% | 79.9% | 81.0% | 81.8% | 82.2% | 80.1% | 75.7% | 72.4% | 87.8% | 89.3% | 67.1% | 58.8% | 57.7% |
| R&D | — | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $3.69M | $4.01M | $4.43M | $5.65M | $7.26M | $8.91M | $10.05M | $10.98M | $13.29M | $19.09M | $19.05M | $20.65M | $28.46M | $27.04M | $36.73M | $31.78M | $36.35M | $48.37M | $55.72M | $58.09M |
| Operating income | $4.16M | $4.07M | $5.39M | $5.55M | $6.14M | $17.42M | $14.70M | $14.02M | $13.83M | $19.72M | $21.53M | $21.61M | $28.73M | $35.95M | $34.43M | $59.70M | $59.90M | $49.46M | $63.11M | $73.99M |
| Operating margin | 18.5% | 15.8% | 19.4% | 20.0% | 20.0% | 45.7% | 34.6% | 34.9% | 30.4% | 31.3% | 33.1% | 30.3% | 32.1% | 32.5% | 28.3% | 46.1% | 43.4% | 24.4% | 23.1% | 24.2% |
| EBITDA | $5.10M | $5.03M | $6.27M | $6.43M | $7.14M | $18.51M | $16.05M | $15.59M | $16.01M | $22.96M | $25.07M | $25.51M | $33.31M | $41.02M | $39.99M | $65.13M | $65.83M | $57.02M | $73.20M | $84.02M |
| EBITDA margin | 22.6% | 19.5% | 22.6% | 23.1% | 23.3% | 48.6% | 37.8% | 38.8% | 35.2% | 36.5% | 38.5% | 35.7% | 37.2% | 37.1% | 32.8% | 50.3% | 47.7% | 28.1% | 26.8% | 27.5% |
| EBIT | $4.16M | $4.07M | $5.39M | $5.55M | $6.14M | $17.42M | $14.70M | $14.02M | $13.83M | $19.72M | $21.53M | $21.61M | $28.73M | $35.95M | $34.43M | $59.70M | $59.90M | $49.46M | $63.11M | $73.99M |
| Interest expense | $10.76M | $13.62M | $13.55M | $11.20M | $11.22M | $11.29M | $9.94M | $7.50M | $7.49M | $8.77M | $9.37M | $10.37M | $14.79M | $24.70M | $26.92M | $16.79M | $13.30M | $49.67M | $108.89M | $122.75M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $2.78M | $2.93M | $3.61M | $3.84M | $4.63M | $11.47M | $10.10M | $10.07M | $10.08M | $13.67M | $14.85M | $15.55M | $20.93M | $28.90M | $27.55M | $47.18M | $47.17M | $39.24M | $50.18M | $58.31M |
| Net income growth (YoY) | — | +5.2% | +23.4% | +6.1% | +20.6% | +148.0% | -12.0% | -0.3% | +0.1% | +35.6% | +8.6% | +4.7% | +34.6% | +38.1% | -4.7% | +71.3% | -0.0% | -16.8% | +27.9% | +16.2% |
| Profit margin | 12.4% | 11.4% | 13.0% | 13.8% | 15.1% | 30.1% | 23.8% | 25.0% | 22.2% | 21.7% | 22.8% | 21.8% | 23.4% | 26.1% | 22.6% | 36.4% | 34.2% | 19.4% | 18.4% | 19.1% |