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Southern Missouri Bancorp, Inc.

SMBC

Southern Missouri Bancorp is a bank holding company that operates primarily through its subsidiary, Southern Bank.

Market cap
$809.37M+29.9%
Revenue$200.6M+9.9%
Net income$71.8M+22.6%
Free cash flow$76.6M+1.7%
EPS (diluted)$6.44+24.3%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 28, 2026 (in a month)
Revenue estimate$52.6M
EPS estimate$1.67

Financials

Q4 2026

Income statement

See full
Revenue$51.8M+8.7%
Net income$20.3M+28.5%
EPS (diluted)$1.84+32.4%

Balance sheet

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Cash & equivalents$91.0M-52.8%
Total debt$6.8M-3.4%
Total equity$590.7M+8.4%
Total assets$5.2B+4.3%

Cash flow

See full
Operating cash flow$14.0M-48.9%
CapEx$1.5M+2.0%
Free cash flow$12.5M-51.8%

Valuation & ratios

Valuation

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Market cap$809.37M+29.9%
Enterprise value$725.15M+68.0%
P/E11.3×+0.7×
P/S+0.7×

Profitability

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Net margin35.8%+3.7pp
FCF margin38.2%-3.1pp

Returns & leverage

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Return on equity12.7%+1.3pp
Debt / equity0.0×

Competitors

Profile

Southern Missouri Bancorp is a bank holding company that operates primarily through its subsidiary, Southern Bank. The company focuses on community banking by attracting retail deposits and deploying capital into a diverse portfolio of residential and commercial mortgage loans, business loans, and construction financing. It serves individuals and businesses across its regional footprint through traditional banking services, wealth management, and mortgage-backed security investments.

Competitive position

A regional community bank focused on growth through strategic acquisitions of smaller financial institutions in the Missouri area.

GeographiesUnited States, Missouri
Customer segmentsRetail customers, Commercial enterprises, Municipalities
Business modelInterest-spread banking, Fee-based services
SuppliersFederal Home Loan Bank of Des Moines, Federal Reserve System, Retail depositors, Brokered deposit providers
CustomersHomeowners, Commercial real estate investors, Small business owners, Municipal governments
Listed1994
Employees703.0
CEOGreg A. Steffens
FilingsSEC EDGAR

FAQ

What is Southern Missouri Bancorp, Inc.'s market cap?
Southern Missouri Bancorp, Inc. (SMBC) has a market capitalization of $809.4M and trades on NASDAQ.
What is Southern Missouri Bancorp, Inc.'s revenue and profitability?
Southern Missouri Bancorp, Inc. generated $200.6M in trailing twelve-month revenue with net income of $71.8M, representing a net margin of 35.8%, with free cash flow of $76.6M. The latest reported period is Q4 2026.
Who are Southern Missouri Bancorp, Inc.'s competitors?
Southern Missouri Bancorp, Inc.'s key competitors include Commerce Bancshares, Inc., U.S. Bancorp, Enterprise Financial Services Corp, and others. These companies compete in similar markets and product categories.
Who does Southern Missouri Bancorp, Inc. partner with?
Southern Missouri Bancorp, Inc.'s notable partners include Federal Home Loan Bank of Des Moines, Federal Reserve Board, FDIC.
What subsidiaries does Southern Missouri Bancorp, Inc. have?
Southern Missouri Bancorp, Inc.'s subsidiaries include Southern Bank, Citizens Bank & Trust Company, FortuneBank.
Where is Southern Missouri Bancorp, Inc. headquartered?
Southern Missouri Bancorp, Inc. is headquartered in United States of America and employs approximately 703 people. It has been publicly traded since 1994.