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Southern Missouri Bancorp SMBC Conversion Of Loans To Foreclosed Real Estate

Conversion Of Loans To Foreclosed Real Estate at other companies

PNC Financial Services logo
PNC Financial ServicesPNC
$10M-16.7%
Valley National Bank logo
Valley National BankVLY
$2.44M+251%
Granite Point Mortgage Trust logo
Granite Point Mortgage TrustGPMT
$0-100%
M&T Bank logo
M&T BankMTB
$5M0.0%
First Citizens BancShares logo
First Citizens BancSharesFCNCA
$0-100%
Arbor Realty Trust logo
Arbor Realty TrustABR
$34.81M-51.7%

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:ConversionOfLoansToForeclosedRealEstate.

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 conversion of loans to foreclosed real estate?
Southern Missouri Bancorp (SMBC) reported conversion of loans to foreclosed real estate of $313K in Q1 2026.
How has Southern Missouri Bancorp's conversion of loans to foreclosed real estate changed year-over-year?
Southern Missouri Bancorp's conversion of loans to foreclosed real estate increased by 100.3% year-over-year, from $156.25K to $313K.
What does conversion of loans to foreclosed real estate mean?
This non-cash activity represents the transfer of loan balances to foreclosed real estate assets when a borrower defaults and the bank takes possession of the collateral. It serves as a critical indicator of credit quality deterioration within the loan portfolio. High levels of this conversion suggest increased risk in the bank's real estate lending segment.