Southern Missouri Bancorp Inc
NASDAQ: SMBC · FINANCIAL SERVICES · BANKS - REGIONAL
Updated 2026-09-11
Southern Missouri Bancorp Inc (SMBC) Financial statements
SEC filings — annual and quarterly data.
Cash flow — annual
| Item | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $4.04M | $3.88M | $6.86M | $4.75M | $14.16M | $7.35M | $15.26M | $13.34M | $19.92M | $17.67M | $25.62M | $30.64M | $38.60M | $40.30M | $51.76M | $67.34M | $62.02M | $70.27M | $81.56M | $32.30M |
| Capital expenditures | $347815.00 | $234651.00 | $556043.00 | $1.13M | $1.14M | $4.23M | $7.56M | $5.68M | $7.48M | $9.82M | $3.03M | $2.14M | $7.70M | $4.30M | $2.86M | $4.62M | $6.04M | $9.05M | $6.26M | $0.00 |
| Depreciation | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Stock-based comp | $-1035.00 | $-24539.00 | $1.33M | $1.49M | $64742.00 | $25705.00 | $199000.00 | $228000.00 | $344000.00 | $385000.00 | $510000.00 | $230000.00 | $374000.00 | $430000.00 | $550000.00 | $697000.00 | $839000.00 | $1.03M | $1.67M | — |
| Free cash flow | $3.69M | $3.64M | $6.30M | $3.62M | $13.02M | $3.12M | $7.70M | $7.66M | $12.44M | $7.85M | $22.58M | $28.51M | $30.91M | $36.00M | $48.91M | $62.73M | $55.98M | $61.22M | $75.29M | $32.30M |
| Investing cash flow | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Financing cash flow | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Dividends paid | $805439.00 | $884115.00 | $1.24M | $1.48M | $1.48M | $1.65M | $2.39M | $2.32M | $2.72M | $2.81M | $2.98M | $3.83M | $4.76M | $5.51M | $5.60M | $7.19M | $8.63M | $9.53M | $10.38M | $11.13M |
| Share repurchases | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Debt repayment | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net change in cash | — | — | — | — | — | $-474607.00 | $-20.63M | $2.14M | $1.84M | $5.78M | $8.23M | — | $9.07M | $18.84M | $69.35M | $-36.78M | — | — | — | — |
Frequently asked questions
What is Southern Missouri Bancorp Inc's revenue?
Southern Missouri Bancorp Inc's trailing twelve-month revenue is $185.73M. Revenue is the top line the whole model builds on, and at this scale the question shifts from how fast it grows to whether margins hold as it compounds.
How profitable is SMBC?
In its most recent fiscal year, SMBC ran a gross margin of 59.69%, an operating margin of 27.52%, and a net margin of 22.70%. Margins this high mean most of each extra dollar of revenue drops through to profit, which is the signature of real pricing power.
How much free cash flow does SMBC generate?
SMBC produced $32.30M in free cash flow in its most recent fiscal year. Free cash flow is what is left after running and reinvesting in the business, and it is the cash that actually funds buybacks, dividends, and a stronger balance sheet.
Is SMBC's balance sheet healthy?
SMBC holds $90.97M in cash and equivalents against — in long-term debt, on $590.68M of shareholder equity. That debt is best read against the cash flow the business throws off each year.