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Southern Missouri Bancorp(NASDAQ) SMBC

Market Cap$852.72MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1994)+6,495%
5 Year+88%
1 Year+46%
1 Month-0%
$77.39
+0.04%
+0.03Today
After hours$77.39+$0.00 (+0.00%)
Southern Missouri Bancorp last closing stock price
MetricPriceDate
Last closeUSD 77.412026-07-31
Southern Missouri Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.28%USD 77.632026-07-24
1 month-0.48%USD 77.782026-07-01
3 month+13.38%USD 68.282026-05-01
Year to date+31.93%USD 58.672025-12-31
1 year+45.52%USD 53.202025-07-31
3 year+70.5%USD 45.402023-08-01
5 year+88.22%USD 41.132021-07-30
Since inception+6,495.21%USD 1.171994-04-13

Southern Missouri Bancorp Financials at a Glance

Market Cap

$852.72MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$309.32M

Net Income (TTM)

$71.84M

EPS (TTM)

$6.43

P/E Ratio

12.05

Dividend

$1.00

Beta (Volatility)

0.75 (Low)

Price

$77.39

Volume

74,723.894

Open

$77.11

Previous Close

$77.41

Daily Range

$76.37 - $77.89

52-Week Range

$47.60 - $79.39

Estimated Earnings Date

Oct 28, 2026

SMBC News

No articles available.

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About Southern Missouri Bancorp

Southern Missouri Bancorp helps people and businesses in the Midwest manage their money. It provides tools to save, borrow, and buy homes or equipment. The company serves local communities through its Southern Bank brand.

Money Tools for the Community

  • Real Estate Loans: Lending for homes and businesses; covers everything from single-family houses to commercial developments.
  • Business Banking: Financing for operations, equipment, and crops; serves commercial clients and local farmers.
  • Personal Accounts: Everyday banking services; includes checking, savings, and digital tools for individual customers.
  • Wealth and Insurance: Specialized financial services; provides insurance brokerage and investment management through dedicated divisions.

How is the Bank Growing?

  • Maintained 46 full-service and two limited-service branch offices across Missouri, Arkansas, and Illinois.
  • Managed specialized subsidiaries including Southern Insurance Services, LLC and Southern Bank Real Estate Investments, LLC.
  • Operated SB Corning, LLC, which invests in limited partnerships to generate low-income housing tax credits.
  • Grew the real estate investment trust (REIT) assets to approximately $1.3 billion as of December 31, 2025.

What Sets the Bank Apart

Southern Missouri Bancorp focuses on regional expertise by concentrating its operations in Missouri, Arkansas, and Illinois. The company balances traditional community banking with specialized divisions for agriculture, insurance, and wealth management.

A Look at the Financials

  • Total interest income reached $72.2 million for the quarter ended December 31, 2025, up 4% from $69.4 million a year earlier.
  • Net income was $18.15 million for the three months ended December 31, 2025, an increase of 23.9% from the same period in 2024.
  • Gross loans grew to $4.23 billion as of December 31, 2025, up from $4.10 billion at the end of June 2025.
  • Net interest income—the difference between interest earned and interest paid—rose to $42.9 million for the quarter ended December 31, 2025.
  • The company paid dividends of $0.25 per share during the three-month period ended December 31, 2025.

Bottom Line

Southern Missouri Bancorp has evolved into a diversified regional bank holding company. Its focus on local real estate and agricultural lending provides a stable foundation for its multi-state operations.

AI Generated • May 3, 2026

Industry

Banks

Sector

Financials

Employees

696

CEO

Greg A. Steffens

Website

www.bankwithsouthern.com

Headquarters

Poplar Bluff, MO 63901, US

SMBC Financials

Key Financial Metrics (TTM)

Gross Margin

61.66%

Operating Margin

28.70%

Net Income Margin

23.23%

Return on Equity

12.54%

Return on Capital

11.51%

Return on Assets

1.37%

Earnings Yield

8.30%

Dividend Yield

1.29%

Payout Ratio

15.29%

Stock Overview

Market Cap

$852.72MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

11.02M

Volume

74.72K

Avg. Volume

102.52K

Financials (TTM)

Gross Profit

$190.72M

Operating Income

$88.78M

EBITDA

$96.82M

Operating Cash Flow

$93.87M

Capital Expenditure

-$3.93M

Free Cash Flow

$89.94M

Cash & ST Invst.

$541.74M

Total Debt

$148.28M

Southern Missouri Bancorp Performance Analysis

Southern Missouri Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20232023-06-30USD 202,530,00047.2%
20242024-06-30USD 273,071,00034.8%
20252025-06-30USD 305,245,00011.8%
20262026-06-30USD 316,543,0003.7%
Southern Missouri Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q12025-09-302.2%
Q22025-12-31-0.7%
Q32026-03-31-1.4%
Q42026-06-30-6.6%
Southern Missouri Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20232023-06-30USD 3.85-26.1%
20242024-06-30USD 4.4214.7%
20252025-06-30USD 5.1817.3%
20262026-06-30USD 6.4324.1%
Southern Missouri Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q12025-09-30-0.7%
Q22025-12-3117.4%
Q32026-03-31-1.2%
Q42026-06-3014.4%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q4 2026YOY CHG

Revenue

$72.77M

-6.6%

Gross Profit

$48.53M

+7.6%

Gross Margin

66.69%

N/A

Market Cap

$852.72MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.23M

N/A

Employees

696

N/A

Net Income

$20.28M

+28.5%

EBITDA

$25.43M

+17.7%

Quarterly Fundamentals

Name
Q4 2026YOY CHG

Total Cash

$541.74M

-17.2%

Total Debt

$148.28M

+4.2%

Accounts Receivable

$4.34B

+7.1%

Inventory

$0.00

N/A

Long Term Debt

$128.28M

+0.8%

Short Term Debt

$20.00M

+33.3%

Return on Assets

1.37%

N/A

Return on Invested Capital

11.13%

N/A

Free Cash Flow

$28.54M

+25.6%

Operating Cash Flow

$29.00M

+20.3%

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Questions About SMBC

What is the current price of Southern Missouri Bancorp?

Southern Missouri Bancorp is trading at $77.41 per share.

What is the 52-week range for Southern Missouri Bancorp?

Over the past 52 weeks, Southern Missouri Bancorp has traded between $47.60 and $79.39.

How much debt does Southern Missouri Bancorp have?

As of the most recent reporting period, Southern Missouri Bancorp reported total debt of $166.19M.

How much cash does Southern Missouri Bancorp have on hand?

Southern Missouri Bancorp does not have cash on hand data available.

What is Southern Missouri Bancorp’s dividend yield?

Southern Missouri Bancorp currently has a dividend yield of 1.29%.

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