SOUTHERN MISSOURI BANCORP, INC. SMBC

Latest FY: 2025 Financial Services Banks - Regional
Market Price $73.08
Market Cap $805.02M
P/E Ratio 14.11
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↓-99.7% YoY
$432.00K
3-Yr CAGR: -84.2%
Net Income ↑16.7% YoY
$58.58M
Net Margin: 13,559.7%
Free Cash Flow ↑23.0% YoY
$75.29M
FCF Yield: 9.35%
EPS (Diluted) ↑17.2% YoY
$5.18
Basic: $5.19
Return on Equity Efficiency
10.8%
ROA: 1.2%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (SMBC)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $56.7M $24.0M $14.8M $1.98 $17.7M $7.8M
FY 2017 $62.2M +9.7% $24.0M $15.6M +4.7% $2.07 +4.5% $25.6M $22.6M +187.7%
FY 2018 $76.3M +22.6% $31.8M $20.9M +34.6% $2.39 +15.5% $0.44 $30.6M $28.5M +26.2%
FY 2019 $88.0M +15.3% $38.0M $28.9M +38.1% $3.14 +31.4% $0.52 $38.6M $30.9M +8.4%
FY 2020 $94.9M +7.9% $40.4M $27.5M -4.7% $2.99 -4.8% $0.60 $40.3M $36.0M +16.5%
FY 2021 $97.5M +2.8% $43.5M $47.2M +71.3% $5.22 +74.6% $0.62 $51.8M $48.9M +35.9%
FY 2022 $110.1M +12.8% $46.7M $47.2M -0.0% $5.21 -0.2% $0.80 $67.3M $62.7M +28.3%
FY 2023 $135.7M +23.3% $49.3M $39.2M -16.8% $3.85 -26.1% $0.85 $62.0M $56.0M -10.7%
FY 2024 $147.2M +8.5% $38.4M $50.2M +27.9% $4.42 +14.8% $0.84 $70.3M $61.2M +9.4%
FY 2025 $0.4M -99.7% $0.4M $58.6M +16.7% $5.18 +17.2% $0.92 $81.6M $75.3M +23.0%
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Valuation

Market Price $73.08
Market Cap $805.02M
Enterprise Value $612.16M
P/E Ratio 14.11
P/B Ratio 1.48
FCF Yield 9.35%
Dividend Yield 1.26%
Shares Outstanding 11,015,600
%

Profitability & Margins

Gross Margin 0.35%
Operating Margin 17,128.24%
Net Margin 13,559.72%
Return on Equity (ROE) 10.75%
Return on Assets (ROA) 1.17%
Asset Turnover 0.00x
Revenue 3-Yr CAGR -84.23%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio 0.08
Debt / Equity 0.000
Debt / Assets 0.000
Cash & Equivalents $192.86M
Total Debt N/A
Book Value / Share $49.45
💧

Cash Flow Efficiency

Operating Cash Flow $81.56M
Capital Expenditures (CapEx) $6.26M
Free Cash Flow $75.29M
OCF / Revenue 18,878.94%
FCF / Revenue 17,429.17%
FCF 3-Yr CAGR 6.28%
🏷️

Per Share Metrics

EPS (Diluted) $5.18
EPS (Basic) $5.19
Dividends / Share $0.92
Book Value / Share $49.45
EPS YoY Growth 17.19%
🏛️

Balance Sheet (FY 2025)

Total Assets $5.02B
Total Liabilities $4.47B
Stockholders' Equity $544.69M
Current Assets N/A
Current Liabilities $2.28B