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Southern Missouri Bancorp, Inc. operates as the bank holding company for Southern Bank that provides banking and financial services to individuals and corporate customers in the United States. The company offers deposits products, including interest-bearing and noninterest-bearing transaction accounts, money market deposit accounts, saving accounts, certificates of deposit, and retirement savings plans. It also provides loans secured by mortgages on one- to four-family residences and commercial and agricultural real estate; construction loans on residential and commercial properties; commercial and agricultural business loans; and consumer loans. In addition, the company offers fiduciary and investment management services; commercial and consumer insurance products; and debit or credit cards. The company was founded in 1887 and is headquartered in Poplar Bluff, Missouri.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $183M | - | $59M | $75M | 10.8% | 11.1% | 16.7% |
| 2024 | $164M | - | $50M | $61M | 10.3% | 7.4% | 27.9% |
| 2023 | $153M | - | $39M | $56M | 8.8% | 22.6% | -16.8% |
| 2022 | $125M | - | $47M | $63M | 14.7% | - | - |
| 2021 | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 124.77 | 152.95 | 164.33 | 182.60 |
| Operating Revenue | - | 124.77 | 152.95 | 164.33 | 182.60 |
| Selling General And Administration | - | 37.85 | 50.14 | 57.84 | 60.16 |
| Interest Income | - | 116.87 | 176.42 | 248.38 | 277.36 |
| Interest Expense | - | 13.30 | 49.67 | 108.89 | 122.75 |
| Net Interest Income | - | 103.57 | 126.74 | 139.48 | 154.62 |
| Pretax Income | - | 59.90 | 49.46 | 63.11 | 73.99 |
| Tax Provision | - | 12.74 | 10.23 | 12.93 | 15.42 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | 0 | 0 | 0 |
| Net Income Continuous Operations | - | 47.17 | 39.24 | 50.18 | 58.58 |
| Net Income From Continuing And Discontinued Operation | - | 47.17 | 39.24 | 50.18 | 58.58 |
| Net Income From Continuing Operation Net Minority Interest | - | 47.17 | 39.24 | 50.18 | 58.58 |
| Net Income | - | 47.17 | 39.24 | 50.18 | 58.58 |
| Net Income Common Stockholders | - | 46.97 | 39.04 | 49.92 | 58.31 |
| Net Income Including Noncontrolling Interests | - | 47.17 | 39.24 | 50.18 | 58.58 |
| Normalized Income | - | 47.17 | 39.24 | 50.18 | 58.58 |
| Diluted NI Availto Com Stockholders | - | 46.97 | 39.04 | 49.92 | 58.31 |
| Basic Average Shares | - | 8.99 | 11.33 | 11.29 | 11.24 |
| Diluted Average Shares | - | 9.01 | 11.33 | 11.30 | 11.25 |
| Reconciled Depreciation | - | 5.92 | 7.56 | 10.09 | 10.02 |
| Gain On Sale Of Security | - | 0 | 0 | -1.49 | 0.05 |
| Depreciation Amortization Depletion Income Statement | - | 1.44 | 2.63 | 4.07 | 3.54 |
| Depreciation And Amortization In Income Statement | - | 1.44 | 2.63 | 4.07 | 3.54 |
| General And Administrative Expense | - | 36.35 | 48.37 | 55.72 | 58.09 |
| Other Gand A | 6.87 | 8.09 | - | - | - |
| Salaries And Wages | - | 35.61 | 46.90 | 53.25 | 55.76 |
| Insurance And Claims | - | 0.74 | 1.47 | 2.46 | 2.34 |
| Selling And Marketing Expense | - | 1.50 | 1.77 | 2.12 | 2.07 |
| Otherunder Preferred Stock Dividend | - | 0.20 | 0.19 | 0.26 | 0.26 |
| Amortization | - | 1.44 | 2.63 | 4.07 | 3.54 |
| Amortization Of Intangibles Income Statement | - | 1.44 | 2.63 | 4.07 | 3.54 |
| Occupancy And Equipment | - | 9.25 | 11.22 | 14.40 | 14.89 |
| Professional Expense And Contract Services Expense | - | 1.36 | 4.05 | 1.73 | 3.60 |
| Other Non Interest Expense | - | 13.48 | 18.38 | 19.58 | 19.90 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Southern Missouri Bancorp, Inc.this co. | SMBC | $760M | 12.98↑ premium | 1.40 | 10.8% | - |
| Great Southern Bancorp, Inc. | GSBC | $789M | 11.12 | 1.24 | 11.2% | - |
| South Plains Financial, Inc. | SPFI | $786M | 13.45 | 1.59 | 11.8% | - |
| Peapack-Gladstone Financial Corporation | PGC | $778M | 20.84 | 1.18 | 5.7% | - |
| Capital City Bank Group, Inc. |
| - |
| - |
| - |
| - |
| - |
| - |
| CCBG |
| $757M |
| 12.29 |
| 1.37 |
| 11.1% |
| - |
| World Acceptance Corporation | WRLD | $755M | 8.41 | 1.72 | 20.4% | - |
| Orrstown Financial Services, Inc. | ORRF | $736M | 9.11 | 1.24 | 13.7% | - |
| Navient Corporation | NAVI | $730M | - | 0.30 | -3.3% | - |
| Green Dot Corporation | GDOT | $726M | -7.34 | 0.82 | -11.1% | -5.47 |
| Peer Median | - | 11.12 | 1.24 | 11.1% | -5.47 | |