SMBCNasdaqSavings Institutions, Not Federally CharteredFiscal year ends June 30
SOUTHERN MISSOURI BANCORP, INC.
Financials through Q4 FY2026, quarter ended Jun 30, 2026Last filing: 10-K on Sep 11, 2026
$69.75−0.43 (-0.61%)
Close on Oct 19, 2026
- Market cap
- $767.66M
- P/E (TTM)
- 10.8
- Dividend yield
- 1.43%
Margins
Share of revenue, fiscal years 2012 to 2026
Net margin
35.8%−6.0 pts over 5 years
Growth rates
Compound annual growth to fiscal 2026
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +9.9% | +9.5% | +12.2% | +13.5% | |
| Net income | +22.6% | +22.3% | +8.8% | +17.1% | |
| EPS, diluted | +24.1% | +18.6% | +4.3% | +12.5% | |
| Free cash flow | +1.7% | +11.0% | +9.4% | +10.8% | |
| Dividend per share | +8.7% | +6.0% | +10.0% | +10.8% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2017 | FY2021 | FY2026 | Trend |
|---|---|---|---|---|
| Return on equity | 10.4% | 17.4% | 12.7% | |
| Return on assets | 1.0% | 1.8% | 1.4% | |
| Capex to revenue | 4.9% | 2.5% | 2.0% | |
| Diluted shares | 7M | 9M | 11M |
Where the cash went
Fiscal 2022 to 2026, five years combined
Southern Missouri Bancorp generated $361.71M from operations and spent $76.79M on capital expenditure, dividends and share buybacks. 39% of that went back into the business.
Generated
$361.71M
Used
$76.79M
Capital expenditure$29.93M39%Dividends$46.86M61%Share buybacks$00%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin35.8%
×Asset turnover0.04×
×Equity multiplier9.03×
=Return on equity, FY202612.7%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2026 | 35.8% | 0.04× | 9.03× | 12.7% |
| FY2025 | 32.1% | 0.04× | 9.31× | 11.3% |
| FY2024 | 30.5% | 0.04× | 9.59× | 10.7% |
| FY2023 | 25.7% | 0.04× | 9.88× | 10.2% |
| FY2022 | 37.8% | 0.04× | 9.79× | 15.6% |
| FY2021 | 41.9% | 0.04× | 9.68× | 17.4% |
| FY2020 | 29.0% | 0.04× | 9.58× | 11.1% |
| FY2019 | 33.7% | 0.04× | 9.34× | 13.2% |
| FY2018 | 28.0% | 0.04× | 9.61× | 11.2% |
| FY2017 | 25.0% | 0.04× | 10.41× | 10.4% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2026 against fiscal 2025
6of 6 tests passed in fiscal 2026. Some tests lack the figures they need.
- ProfitableNet income above zero$71.84M
- Cash generatingOperating cash flow above zero$80.52M
- Return on assets improvedROA up on the prior year1.3% → 1.4%
- Earnings backed by cashOperating cash flow above net income$80.52M vs $71.84M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise11M → 11M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.04 → 0.04