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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% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 124.77 | 152.95 | 164.33 | 182.60 |
| Pretax Income | 59.90 | 49.46 | 63.11 | 73.99 |
| Tax Provision | 12.73 | 10.23 | 12.93 | 15.42 |
| Net Income | 47.17 | 39.24 | 50.18 | 58.58 |
| Net Income Common Stockholders | 46.97 | 39.05 | 49.92 | 58.31 |
| Interest Expense | 13.30 | 49.67 | 108.89 | 122.75 |
| Interest Income | 116.87 | 176.42 | 248.38 | 277.37 |
| Selling General And Administration | 37.85 | 50.14 | 57.84 | 60.16 |
| Normalized Income | 47.17 | 39.24 | 50.18 | 58.58 |
| Basic EPS | 5.22 | 3.86 | 4.42 | 5.19 |
| Diluted EPS | 5.22 | 3.85 | 4.41 | 0 |
| Tax Effect Of Unusual Items | 0 | 0 | 0 | 0 |
| Tax Rate For Calcs | 0.21 | 0.21 | 0.20 | 0.21 |
| Net Income From Continuing Operation Net Minority Interest | 47.17 | 39.24 | 50.18 | 58.58 |
| Reconciled Depreciation | 5.92 | 7.56 | 10.09 | 10.02 |
| Net Interest Income | 103.57 | 126.75 | 139.48 | 154.62 |
| Net Income From Continuing And Discontinued Operation | 47.17 | 39.24 | 50.18 | 58.58 |
| Diluted Average Shares | 9.01 | 11.33 | 11.30 | 11.25 |
| Basic Average Shares | 8.99 | 11.33 | 11.29 | 11.23 |
| Diluted NI Availto Com Stockholders | 46.97 | 39.05 | 49.92 | 58.31 |
| Otherunder Preferred Stock Dividend | 0.20 | 0.19 | 0.26 | 0.26 |
| Net Income Including Noncontrolling Interests | 47.17 | 39.24 | 50.18 | 58.58 |
| Net Income Continuous Operations | 47.17 | 39.24 | 50.18 | 58.58 |
| 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 |
| Amortization | 1.44 | 2.63 | 4.07 | 3.54 |
| Amortization Of Intangibles Income Statement | 1.44 | 2.63 | 4.07 | 3.54 |
| Selling And Marketing Expense | 1.50 | 1.77 | 2.12 | 2.07 |
| General And Administrative Expense | 36.35 | 48.37 | 55.72 | 58.09 |
| Other Gand A | 8.09 | 0 | 0 | 0 |
| Insurance And Claims | 0.74 | 1.47 | 2.46 | 2.33 |
| Salaries And Wages | 35.61 | 46.90 | 53.25 | 55.76 |
| Operating Revenue | 124.77 | 152.95 | 164.33 | 182.60 |
| 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 | 19.57 | 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 | $751M | 11.80↑ premium | 1.34 | 10.8% | - |
| OppFi Inc. | OPFI | $785M | 9.28 | 4.29 | 8.5% | - |
| Bowhead Specialty Holdings Inc. | BOW | $784M | 15.01 | 1.74 | 12.0% | 9.66 |
| First Financial Corporation | THFF | $772M | 9.55 | 1.19 | 12.2% | - |
| Velocity Financial, Inc. | VEL |
| $752M |
| 6.97 |
| 1.11 |
| 15.5% |
| - |
| Great Southern Bancorp, Inc. | GSBC | $741M | 10.72 | 1.16 | 11.2% | - |
| Peapack-Gladstone Financial Corporation | PGC | $737M | 16.84 | 1.10 | 5.7% | - |
| Hippo Holdings Inc. | HIPO | $735M | 12.71 | 1.66 | 13.2% | -18.50 |
| Orrstown Financial Services, Inc. | ORRF | $717M | 8.36 | 1.20 | 13.7% | - |
| Peer Median | - | 10.14 | 1.20 | 12.1% | -4.42 | |