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Southern Missouri Bancorp SMBC Interest Bearing Time Deposits

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Other financials

Income statement

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Revenue$50.2M+8.9%
Net income$17.8M+13.3%
EPS (diluted)$1.60+15.1%

Balance sheet

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Cash & equivalents$93.0M-59.0%
Total debt$6.8M-0.4%
Total equity$573.5M+8.5%
Total assets$5.1B+3.3%

Cash flow

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Operating cash flow$29.0M+20.3%
CapEx$456.0K-66.8%
Free cash flow$28.5M+25.6%

Valuation

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Market cap$823.53M+41.6%
Enterprise value$737.32M+104%
P/E12.2×+1.9×
P/S4.2×+0.9×

Profitability

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Net margin34.3%+2.6pp
FCF margin45.8%+10.5pp

Returns & leverage

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Return on equity12.2%+1.0pp
Debt / equity0×0.0×

Where this comes from

Reported directly by Southern Missouri Bancorp in its filing.

Tagged under the XBRL concept smbc:InterestBearingTimeDeposits.

The official record: Southern Missouri Bancorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Southern Missouri Bancorp's interest bearing time deposits?
Southern Missouri Bancorp (SMBC) reported interest bearing time deposits of $248K in Q1 2026.
How has Southern Missouri Bancorp's interest bearing time deposits changed year-over-year?
Southern Missouri Bancorp's interest bearing time deposits increased by 1.2% year-over-year, from $245K to $248K.
What is the long-term trend for Southern Missouri Bancorp's interest bearing time deposits?
Over 4 years (2021 to 2025), Southern Missouri Bancorp's interest bearing time deposits has grown at a -29.2% compound annual growth rate (CAGR), from $979K to $246K.
What does interest bearing time deposits mean?
This represents customer deposits held in accounts with a specified maturity date, such as certificates of deposit, which earn interest at a fixed rate. These deposits serve as a stable, long-term funding source for the bank's lending activities. Monitoring these balances helps assess the bank's cost of funds and its ability to retain core retail deposits over time.