10x Insights
Loading account…
Companies / Financials / Southern Missouri Bancorp, Inc.
SMBC

Southern Missouri Bancorp, Inc.

FinancialsBanks & Brokers
Ticker SMBCPOPLAR BLUFF, MOFiscal year ends JuneBook value per share $54.59Diluted shares 11.0M

Southern Missouri Bancorp, Inc. (Nasdaq: SMBC) is a bank holding company whose principal subsidiary, Southern Bank, provides community banking services to individuals, businesses and agricultural customers. The Bank attracts retail deposits and uses them, along with wholesale funding, to make residential mortgage,… From the company’s description.

Over the twelve months to Sep 30, 2026, Southern Missouri Bancorp, Inc. reported revenue of $204.74M, up 9.0% from a year earlier, and net income of $75.29M. Its pre-tax margin was 44.6%. In fiscal 2026, it reported revenue of $200.65M, up 9.9% from fiscal 2025, and net income of $71.84M.

Fiscal year 2026 · ends 06-30Changes are against fiscal 2025The amber dot is the latest twelve months, to 2026-09-30
Sales & profitability
$200.65MFY2026
+9.9% year over year
Last 12 mo $204.74M
43.41%FY2026
+2.9 percentage points
Last 12 mo 44.56%
$71.84MFY2026
+22.6% year over year
Last 12 mo $75.29M
12.16%FY2026
+1.4 percentage points
Last 12 mo 12.52%
Cash & financing
$80.52MFY2026
−1.3% year over year
Last 12 mo $85.05M
$76.56MFY2026
+1.7% year over year
Last 12 mo $80.78M
7.71FY2026
Was 8.09× a year earlier
Last 12 mo 7.47
11.1MFY2026
−1.6% year over year
Last 12 mo 11.0M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What Southern Missouri Bancorp, Inc. does

In the company’s own words

Southern Missouri Bancorp, Inc. (Nasdaq: SMBC) is a bank holding company whose principal subsidiary, Southern Bank, provides community banking services to individuals, businesses and agricultural customers. The Bank attracts retail deposits and uses them, along with wholesale funding, to make residential mortgage, commercial real estate, commercial business, construction, agricultural and consumer loans; it also invests in mortgage-backed securities, municipal bonds and other permitted investments. Its revenues come primarily from interest on loans and securities, supplemented by service charges, card interchange fees, loan-sale gains, servicing income and wealth management fees. The company reports its banking operations through Southern Bank rather than separate business segments. At June 30, 2026, it had $5.2 billion in assets and operated 63 full-service branches, two limited-service branches and three loan production offices across Missouri, Arkansas, Illinois and Kansas. Its recent acquisitions include Citizens Bancshares in 2023 and Fortune Financial in 2022, expanding its commercial banking operations. Its website is investors.bankwithsouthern.com.

Company details
Sector
Financials
Industry (SIC)
Banks & Brokers
Headquarters
POPLAR BLUFF, MO
Fiscal year end
June
CIK
916907
SIC
6036

Financial performance, year by year

Fiscal 2012–2026 · USD
$-20.47M$40.95M$102.37M$163.79M$225.22M201220132014201520162017201820192020202120222023202420252026Last 12 moLast 12 monthsLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns Southern Missouri Bancorp, Inc. — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

219
funds hold it
0 of 35
superinvestors hold it
$222.10M
held by funds, at market
28.1%
of shares held by funds

Largest fund holders · Southern Missouri Bancorp, Inc.’s weight in each

VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.00%of fund net assets
iShares Russell 2000 ETF
IWM · iShares Trust
0.02%of fund net assets
Avantis U.S. Small Cap Value ETF
AVUV · American Century ETF Trust
—of fund net assets
0.19%of fund net assets
VANGUARD EXTENDED MARKET INDEX FUND
VXF · VANGUARD INDEX FUNDS
0.01%of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Could not be determined for this company: bond issues.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

Compare this company with peers, find it in your funds and follow its financial history with your connected AI:

  • “How do Southern Missouri Bancorp, Inc. and its peers compare on margins and cash generation over ten years?”
  • “Where did five years of Southern Missouri Bancorp, Inc.'s earnings go — cash, debt, buybacks, reinvestment?”
  • “What changed in Southern Missouri Bancorp, Inc.'s last four quarterly filings that the numbers alone won't show?”
See how it works →All research tools with a subscription. Use your own AI account.