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SOUTHERN MISSOURI BANCORP, INC.
SMBCCIK 0000916907NasdaqAcceleratedSavings Institutions, Not Federally CharteredMissouriFY ends Jun 30
Period
FY 2025
Revenue
—
Net Income
$58.58M
Total Assets
$5.02B
Equity
$544.69M
Shares Out
11.02M
Op. Cash Flow
$81.56M
Business
Southern Missouri Bancorp, Inc. is a bank holding company that owns Southern Bank, a state-chartered trust company providing retail deposits and lending services. The Bank originates one- to four-family residential mortgages, commercial real estate loans, construction loans, commercial business loans, and consumer loans, funded by deposits and wholesale sources. It operates 62 full-service and two limited-service branch offices across Missouri, Arkansas, Illinois, and Kansas, generating revenue from net interest margin on loans and investment securities, along with fee-based activities including loan servicing, fiduciary services, and insurance commissions.
Summary from 10-K filed 2025-09-11
Financials
Consolidated Statement of Income
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-06-30 | FY 2024 2024-06-30 | FY 2023 2023-06-30 | FY 2022 2022-06-30 | FY 2021 2021-06-30 |
|---|---|---|---|---|---|---|
| Loans | 251 | 223 | 162 | 111 | 105 | |
| Investment securities | 6 | 7 | 5 | 2 | 2 | |
| Mortgage-backed securities | 17 | 15 | 7 | 3 | 2 | |
| Other interest-earning assets | 4 | 4 | 2 | 437,000 | 226,000 | |
| TOTAL INTEREST INCOME | 277 | 248 | 176 | 117 | 109 | |
| Deposits | 116 | 102 | 44 | 12 | 15 | |
| Securities sold under agreements to repurchase | 766,000 | 451,000 | 213,000 | — | — | |
| Advances from FHLB | 5 | 5 | 4 | 792,000 | 1 | |
| Subordinated debt | 2 | 2 | 1 | 686,000 | — | |
| TOTAL INTEREST EXPENSE | 123 | 109 | 50 | 13 | — | |
| NET INTEREST INCOME | 155 | 139 | 127 | 104 | 93 | |
| Provision for credit losses (Note 3) | 7 | 4 | 17 | 1 | — | |
| NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES | 148 | 136 | 110 | 102 | 94 | |
| Deposit account charges and related fees | 9 | 7 | 8 | 6 | 5 | |
| Bank card interchange income | 6 | 6 | 5 | 4 | 4 | |
| Loan late charges | — | 579,000 | 534,000 | 553,000 | 587,000 | |
| Loan servicing fees | 909,000 | 1 | 1 | 946,000 | 1 | |
| Other loan fees | 4 | 2 | 3 | 2 | 1 | |
| Net realized gains on sale of loans | 751,000 | 713,000 | 875,000 | 2 | 4 | |
| Net realized gains (losses) on sale of AFS securities | 48,000 | −1 | — | — | 90,000 | |
| Earnings on bank owned life insurance | 2 | 2 | 2 | 1 | 2 | |
| Insurance brokerage commissions | 1 | 1 | 1 | 608,000 | — | |
| Wealth management fees | 3 | 3 | 2 | 2 | — | |
| Other income | 1 | 2 | 2 | 1 | 2 | |
| TOTAL NONINTEREST INCOME | 28 | 25 | 26 | 21 | 20 | |
| Compensation and benefits | 56 | 53 | 47 | 36 | 31 | |
| Occupancy and equipment, net | 15 | 14 | 11 | 9 | 8 | |
| Data processing expense | 9 | 9 | 8 | 6 | 5 | |
| Telecommunications expense | 1 | 2 | 2 | 1 | 1 | |
| Deposit insurance premiums | 2 | 2 | 1 | 743,000 | 766,000 | |
| Legal and professional fees | 4 | 2 | 4 | 1 | 1 | |
| Advertising | 2 | 2 | 2 | 1 | 1 | |
| Postage and office supplies | 1 | 1 | 1 | 823,000 | 796,000 | |
| Intangibles amortization | 4 | 4 | 3 | 1 | 1 | |
| Foreclosed property expenses/losses | 104,000 | 148,000 | 90,000 | 522,000 | 142,000 | |
| Other operating expense | 8 | 7 | 8 | 5 | 4 | |
| TOTAL NONINTEREST EXPENSE | 102 | 98 | 86 | 63 | 54 | |
| INCOME BEFORE INCOME TAXES | 74 | 63 | 49 | 60 | — | |
| Current | 15 | 12 | 11 | 13 | 11 | |
| Deferred | 694,000 | 694,000 | −974,000 | −617,000 | 2 | |
| TOTAL INCOME TAXES | 15 | 13 | 10 | 13 | 13 | |
| NET INCOME | 59 | 50 | 39 | 47 | 47 | |
| Basic earnings per share | 5.19 | 4.42 | 3.86 | 5.22 | 5.22 | |
| Diluted earnings per share | 5.18 | 4.42 | 3.85 | 5.21 | 5.22 | |
| Dividends paid per share | 0.92 | 0.84 | 0.84 | 0.8 | 0.62 |
Consolidated Balance Sheet
As of · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-06-30 | FY 2024 2024-06-30 | FY 2023 2023-06-30 | FY 2022 2022-06-30 | FY 2021 2021-06-30 |
|---|---|---|---|---|---|---|
| Cash and cash equivalents | 193 | 61 | 54 | 87 | 124 | |
| Interest-bearing time deposits | 246,000 | 491,000 | 1 | 5 | 979,000 | |
| Available for sale securities (Note 2) | 461 | 428 | 418 | 235 | 207 | |
| Stock in FHLB of Des Moines | 9 | 9 | 12 | 6 | 6 | |
| Stock in Federal Reserve Bank of St. Louis | 9 | 9 | 9 | 6 | 5 | |
| Loans held for sale | 431,000 | — | — | — | — | |
| Loans receivable, net of ACL of $51,629 and $52,516 at June 30, 2025 and June 30, 2024, respectively, (Note 3) | 4,049 | 3,797 | 3,571 | 2,686 | 2,200 | |
| Accrued interest receivable | 26 | 24 | 19 | 11 | 10 | |
| Premises and equipment, net (Note 4) | 96 | 96 | 92 | 71 | 64 | |
| Bank owned life insurance - cash surrender value | 76 | 74 | 72 | 49 | 44 | |
| Goodwill | 51 | 51 | 51 | 27 | 14 | |
| Other intangible assets, net | 23 | 27 | 30 | 8 | 7 | |
| Prepaid expenses and other assets | 26 | 29 | 32 | 23 | 19 | |
| TOTAL ASSETS | 5,020 | 4,604 | 4,360 | 3,215 | 2,701 | |
| Deposits (Note 5) | 4,281 | 3,943 | 3,726 | 2,815 | 2,331 | |
| Securities sold under agreements to repurchase (Note 6) | 15 | 9 | — | — | — | |
| Advances from FHLB (Note 7) | 104 | 102 | 134 | 38 | 58 | |
| Accounts payable and other liabilities | 37 | 25 | 27 | 17 | 13 | |
| Accrued interest payable | 14 | 13 | 5 | 801,000 | 779,000 | |
| Subordinated debt (Note 8) | 23 | 23 | 23 | 23 | 15 | |
| TOTAL LIABILITIES | 4,475 | 4,116 | 3,914 | 2,894 | 2,417 | |
| Commitments and contingencies (Note 13) | — | — | — | — | — | |
| Common stock, $.01 par value; 25,000,000 shares authorized; 11,980,887 and 11,959,157 shares issued at June 30, 2025 and June 30, 2024, respectively | 120,000 | 120,000 | 119,000 | 98,000 | 94,000 | |
| Additional paid-in capital | 221 | 220 | 218 | 119 | 96 | |
| Retained earnings | 360 | 311 | 271 | 240 | 200 | |
| Treasury stock of 681,420 and 681,420 shares at June 30, 2025 and June 30, 2024, respectively, at cost | −25 | −25 | −21 | −21 | — | |
| Accumulated other comprehensive loss | −11 | −17 | −22 | −17 | 3 | |
| TOTAL STOCKHOLDERS' EQUITY | 545 | 489 | 446 | 321 | 283 | |
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY | 5,020 | 4,604 | 4,360 | 3,215 | 2,701 |
Consolidated Statement of Cash Flows
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-06-30 | FY 2024 2024-06-30 | FY 2023 2023-06-30 | FY 2022 2022-06-30 | FY 2021 2021-06-30 |
|---|---|---|---|---|---|---|
| Depreciation | 6 | 6 | 5 | 4 | — | |
| Loss (gain) on disposal of fixed assets | 73,000 | — | −444,000 | 3,000 | — | |
| Stock option and stock grant expense | 2 | 1 | 839,000 | −697,000 | 550,000 | |
| (Gain) loss on sale/write-down of foreclosed property | −56,000 | 74,000 | −44,000 | 460,000 | 55,000 | |
| Accretion of purchase accounting adjustments | −4 | −5 | −4 | −2 | −2 | |
| Increase in cash surrender value of bank owned life insurance (BOLI) | −2 | −2 | −2 | −1 | −2 | |
| (Gain) loss realized on sale of AFS securities | −48,000 | 1 | — | — | −90,000 | |
| Net accretion (amortization) of premiums and discounts on securities | −2 | −842,000 | 776,000 | 1 | 2 | |
| Originations of loans held for sale | −22 | −22 | −21 | −43 | −151 | |
| Proceeds from sales of loans held for sale | 23 | 22 | 22 | 44 | 152 | |
| Gain on sales of loans held for sale | −751,000 | −713,000 | −875,000 | −2 | −4 | |
| Accrued interest receivable | −2 | −5 | −5 | −391,000 | 2 | |
| Prepaid expenses and other assets | 7 | 9 | 5 | 10 | 2 | |
| Accounts payable and other liabilities | 6 | −141,000 | 580,000 | 5 | −47,000 | |
| Deferred income taxes | 40,000 | 414,000 | −974,000 | −617,000 | 2 | |
| Accrued interest payable | 1 | 8 | 3 | −147,000 | −867,000 | |
| NET CASH PROVIDED BY OPERATING ACTIVITIES | 82 | 70 | 62 | 67 | 52 | |
| Net increase in loans | −255 | −228 | −447 | −282 | −63 | |
| Net change in interest-bearing deposits | 248,000 | 744,000 | 1 | −1 | −7,000 | |
| Proceeds from maturities of available for sale securities | 69 | 42 | 35 | 40 | 58 | |
| Proceeds from sales of available for sale securities | 72,000 | 32 | 137 | — | 16 | |
| Net (purchases) redemptions of Federal Home Loan Bank stock | −648,000 | 3 | −4 | 691,000 | 517,000 | |
| Purchases of Federal Reserve Bank of St. Louis stock | −50,000 | −28,000 | −3 | −759,000 | −668,000 | |
| Purchases of available-for-sale securities | −92 | −80 | −132 | −96 | −108 | |
| Purchases of long-term investments and other assets | −612,000 | −410,000 | −195,000 | −383,000 | −40,000 | |
| Purchases of premises and equipment | −6 | −9 | −6 | −5 | −3 | |
| Net cash received in acquisition | — | — | 208 | 49 | — | |
| Investments in state & federal tax credits | −3 | −7 | −8 | −11 | −5 | |
| Proceeds from sale of fixed assets | — | 15,000 | 4 | 928,000 | 580,000 | |
| Proceeds from sale of foreclosed assets | 4 | 1 | 2 | 1 | 1 | |
| Proceeds from BOLI claim | — | — | 270,000 | — | 1 | |
| NET CASH USED IN INVESTING ACTIVITIES | −285 | −246 | −213 | −304 | −102 | |
| Net increase (decrease) in demand deposits and savings accounts | 25 | −54 | −245 | 273 | 258 | |
| Net increase in certificates of deposits | 313 | 281 | 304 | −31 | −112 | |
| Net increase (decrease) in securities sold under agreements to repurchase | 6 | — | −28 | — | — | |
| Proceeds from Federal Home Loan Bank advances | 260 | 303 | 1,914 | — | 110 | |
| Repayments of Federal Home Loan Bank advances | −258 | −335 | −1,818 | −29 | −123 | |
| Common stock issued | — | 1,000 | — | — | — | |
| Exercise of stock options | — | 391,000 | — | — | — | |
| Purchase of treasury stock | — | −4 | — | −6 | −8 | |
| Dividends paid on common stock | −10 | −10 | −9 | −7 | −6 | |
| NET CASH PROVIDED BY FINANCING ACTIVITIES | 336 | 182 | 119 | 200 | 120 | |
| Increase (decrease) in cash and cash equivalents | 132 | 7 | −33 | −37 | 69 | |
| Conversion of loans to foreclosed real estate | 625,000 | 1 | 1 | 127,000 | 748,000 | |
| Conversion of foreclosed real estate to loans | — | — | 960,000 | — | — | |
| Conversion of loans to repossessed assets | 98,000 | 209,000 | 108,000 | 26,000 | 461,000 | |
| Right of use (ROU) assets obtained in exchange for lease obligations: Operating Leases | 322,000 | 2 | 216,000 | 95,000 | 804,000 | |
| Termination of lease right of use asset and related lease obligation | — | 1 | — | — | — | |
| Fair value of assets acquired | — | — | 1,020 | — | — | |
| Less: common stock issued | — | — | 98 | 23 | — | |
| Cash paid | — | — | 35 | — | — | |
| Liabilities assumed | — | — | 887 | — | — | |
| Interest (net of interest credited) | 8 | 8 | 6 | 2 | 3 | |
| Income taxes | 8 | 2 | 4 | 361,000 | 9 |
Filings
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Frequently asked questions
What is SOUTHERN MISSOURI BANCORP, INC.'s CIK number?
SOUTHERN MISSOURI BANCORP, INC.'s SEC CIK number is 0000916907 (916907). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find SOUTHERN MISSOURI BANCORP, INC.'s SEC filings?
All of SOUTHERN MISSOURI BANCORP, INC.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did SOUTHERN MISSOURI BANCORP, INC. last report earnings?
SOUTHERN MISSOURI BANCORP, INC. (SMBC) most recently filed an earnings 8-K with the SEC on Apr 23, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001104659-26-046973). This is SOUTHERN MISSOURI BANCORP, INC.'s most recent earnings filing of record — not a forecast of its next earnings date.
What is SOUTHERN MISSOURI BANCORP, INC.'s most recent earnings 8-K?
SOUTHERN MISSOURI BANCORP, INC.'s latest earnings 8-K (Item 2.02) was filed Apr 23, 2026 under accession 0001104659-26-046973. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
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