Southern Missouri Bancorp, Inc. (SMBC) Balance Sheet
SMBC balance sheet, FY2026
June 30, 2026 · U.S. dollars$5.23B assets = $4.64B liabilities + $590.7M equity
Both columns are drawn to the same scale: what SMBC owns equals what it owes plus shareholders’ equity. Hover a block for its value.
SMBC financial health
Descriptive bands, not a rating. Fiscal FY2026.
SMBC balance sheet trends, FY2017–FY2026
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $1.71BFY2017 | $5.23BFY2026 | +13.3%/yr | |
| Total liabilities | $1.53BFY2017 | $4.64BFY2026 | +13.1%/yr | |
| Shareholders’ equity | $173.1MFY2017 | $590.7MFY2026 | +14.6%/yr | |
| Cash & short-term investments | $175.9MFY2017 | $541.7MFY2026 | +13.3%/yr | |
| Total debt | $66.2MFY2017 | $166.2MFY2026 | +10.8%/yr | |
| Net cash (debt) | $109.8MFY2017 | $375.6MFY2026 | +$265.8M | |
| Working capital | $1.49BFY2017 | −$3.88BFY2026 | −$5.4B | |
| Book value per share | $23.04FY2017 | $53.10FY2026 | +9.7%/yr | |
| Debt / equity | 0.38FY2017 | 0.28FY2026 | −0.10 | |
| Shares outstanding | 7.5MFY2017 | 11.1MFY2026 | +4.5%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
SMBC assets
SMBC liabilities and equity
SMBC debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
SMBC balance sheet
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $541.7M | $653.9M | $489.3M | $472.8M | $327.0M | $331.6M | $231.7M | $201.9M | $174.6M | $175.9M |
| Cash & equivalents | $91.0M | $193.1M | $61.4M | $55.2M | $91.6M | $124.6M | $55.2M | $36.4M | $28.3M | $31.5M |
| Short-term investments | $450.8M | $460.8M | $427.9M | $417.6M | $235.4M | $207.0M | $176.5M | $165.5M | $146.3M | $144.4M |
| Receivables | $4.34B | $4.05B | $23.8M | $18.9M | $11.1M | $10.1M | $12.1M | $10.2M | $8.0M | $6.8M |
| Inventory | $0 | $0 | $37.6M | −$96.6M | $2.2M | −$136.9M | −$69.9M | −$50.3M | $3.9M | $3.1M |
| Other current assets | $0 | $0 | $0 | $96.6M | $21.2M | $155.5M | $85.3M | $72.2M | $14.6M | $1.31B |
| Total current assets | $543.5M | $4.70B | $513.1M | $491.6M | $361.4M | $360.3M | $259.2M | $234.0M | $201.1M | $1.49B |
| Property, plant & equipment (net) | $93.2M | $96.0M | $96.0M | $92.4M | $71.3M | $64.1M | $65.1M | $62.7M | $54.8M | $54.2M |
| Goodwill & intangible assets | $121.3M | $73.7M | $77.2M | $81.2M | $35.5M | $21.2M | $21.8M | $23.3M | $20.0M | $24.0M |
| Long-term investments | $196.7M | $460.8M | $427.9M | $417.6M | $235.4M | $207.1M | $176.5M | $1.85B | $146.3M | $144.4M |
| Other non-current assets | $4.28B | $0 | $3.49B | $3.28B | $2.51B | $2.05B | $2.02B | $47.9M | $1.46B | $0 |
| Total assets | $5.23B | $5.02B | $4.60B | $4.36B | $3.21B | $2.70B | $2.54B | $2.21B | $1.89B | $1.71B |
| Liabilities | ||||||||||
| Accounts payable | $11.8M | $14.2M | $12.9M | $4.7M | $801,000 | $779,000 | $1.6M | $2.1M | $1.2M | $7.3M |
| Short-term debt | $20.0M | $15.0M | $9.4M | $47.2M | $8.4M | $24.2M | $12.5M | $4.4M | $3.3M | $48.3M |
| Deferred revenue | — | — | −$8.8M | −$15.2M | $9.5M | −$10.7M | $1.3M | $7.7M | −$69.9M | −$48.3M |
| Total current liabilities | $4.43B | $4.31B | $3.97B | $3.73B | $2.82B | $2.33B | $2.19B | $1.90B | $1.58B | $455,000 |
| Long-term debt | $146.2M | $127.3M | $125.2M | $156.6M | $23.1M | $15.2M | $85.2M | $3.0M | $14.9M | $17.8M |
| Other long-term liabilities | $70.2M | $37.1M | $25.0M | $27.3M | $55.1M | $70.3M | $12.2M | $72.8M | $86.1M | $43.6M |
| Total liabilities | $4.64B | $4.47B | $4.12B | $3.91B | $2.89B | $2.42B | $2.28B | $1.98B | $1.69B | $1.53B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $120,000 | $120,000 | $120,000 | $119,000 | $98,000 | $94,000 | $93,000 | $93,000 | $90,000 | $173.1M |
| Retained earnings (deficit) | $389.6M | $359.6M | $311.4M | $270.7M | $240.1M | $200.1M | $165.7M | $143.7M | $119.5M | $102.4M |
| Treasury stock | — | — | — | — | −$21.1M | −$15.3M | −$6.9M | −$1.2M | $0 | $0 |
| Accumulated other comprehensive income | $4.9M | −$11.4M | −$17.5M | −$21.9M | −$17.5M | $2.9M | $4.4M | $1.2M | −$2.3M | $527,000 |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $590.7M | $544.7M | $488.7M | $446.1M | $320.8M | $283.4M | $258.3M | $238.4M | $200.7M | $173.1M |
| Key figures | ||||||||||
| Total debt | $166.2M | $142.3M | $134.6M | $156.6M | $61.0M | $72.8M | $85.2M | $67.3M | $97.9M | $66.2M |
| Net cash (debt) | $375.6M | $511.7M | $354.7M | $316.2M | $265.9M | $258.8M | $146.6M | $134.6M | $76.7M | $109.8M |
| Working capital | −$3.88B | $391.5M | −$3.45B | −$3.24B | −$2.45B | −$1.97B | −$1.93B | −$1.67B | −$1.38B | $1.49B |
| Tangible book value | $469.3M | $471.0M | $411.5M | $364.8M | $285.3M | $262.2M | $236.6M | $215.1M | $180.7M | $149.1M |
| Book value per share | $53.10 | $48.35 | $43.25 | $39.37 | $35.60 | $31.45 | $28.08 | $25.90 | $22.92 | $23.04 |
| Shares outstanding | 11.1M | 11.3M | 11.3M | 11.3M | 9.0M | 9.0M | 9.2M | 9.2M | 8.8M | 7.5M |
| Current ratio | 0.12 | 1.09 | 0.13 | 0.13 | 0.13 | 0.15 | 0.12 | 0.12 | 0.13 | 3,282.94 |
| Quick ratio | 1.10 | 1.09 | 0.13 | 0.13 | 0.12 | 0.15 | 0.11 | 0.11 | 0.12 | 401.58 |
| Debt / equity | 0.28 | 0.26 | 0.28 | 0.35 | 0.19 | 0.26 | 0.33 | 0.28 | 0.49 | 0.38 |
| Equity / assets | 11.3% | 10.9% | 10.6% | 10.2% | 10.0% | 10.5% | 10.2% | 10.8% | 10.6% | 10.1% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $541.7M | $532.4M | $579.3M | $271.4M | $653.9M | $398.8M | $339.9M | $495.6M | $489.3M | $602.5M | $633.8M | $493.4M |
| Cash & equivalents | $91.0M | $93.3M | $134.3M | $124.4M | $193.1M | $227.1M | $146.1M | $75.6M | $61.4M | $168.8M | $217.1M | $89.2M |
| Short-term investments | $450.8M | $439.1M | $445.0M | $147.1M | $460.8M | $171.6M | $193.9M | $420.0M | $427.9M | $433.7M | $417.4M | $405.2M |
| Receivables | $4.34B | $4.27B | $4.17B | $30.6M | $4.05B | $25.8M | $28.1M | $28.9M | $23.8M | $21.8M | $24.5M | $23.6M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $37.6M | −$3.91B | $3.44B | −$3.79B |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $244,000 | $0 | $3.91B | $0 | $3.79B |
| Total current assets | $4.88B | $533.4M | $4.75B | $302.0M | $4.70B | $424.5M | $368.0M | $524.7M | $513.1M | $624.3M | $659.0M | $518.0M |
| Property, plant & equipment (net) | $93.2M | $93.4M | $94.6M | $95.2M | $96.0M | $96.0M | $96.4M | $96.1M | $96.0M | $95.8M | $94.5M | $94.7M |
| Goodwill & intangible assets | $121.3M | $122.1M | $69.2M | $72.9M | $73.7M | $74.7M | $75.4M | $76.3M | $77.2M | $78.0M | $79.1M | $80.1M |
| Long-term investments | $196.7M | $166.8M | $146.1M | $147.1M | $460.8M | $171.6M | $193.9M | $420.2M | $427.9M | $433.7M | $417.4M | $405.2M |
| Other non-current assets | $0 | $4.23B | $33.1M | $4.42B | $0 | $4.21B | $4.17B | $3.61B | $3.49B | $3.42B | $3.39B | $3.37B |
| Total assets | $5.23B | $5.14B | $5.09B | $5.04B | $5.02B | $4.98B | $4.91B | $4.73B | $4.60B | $4.65B | $4.64B | $4.47B |
| Liabilities | ||||||||||||
| Accounts payable | $11.8M | $11.6M | $14.1M | $15.3M | $14.2M | $10.0M | $10.9M | $11.7M | $12.9M | $12.0M | $10.7M | $7.1M |
| Short-term debt | $20.0M | $20.0M | $20.0M | $20.0M | $15.0M | $15.0M | $15.0M | $15.0M | $9.4M | $215,000 | $488,000 | $742,000 |
| Deferred revenue | — | — | — | — | — | — | — | — | −$8.8M | −$12.0M | $10.2M | $6.4M |
| Total current liabilities | $4.44B | $4.36B | $4.34B | $4.32B | $4.31B | $4.29B | $4.24B | $4.07B | $3.97B | $4.01B | $4.01B | $3.85B |
| Long-term debt | $146.2M | $128.3M | $125.3M | $125.2M | $127.3M | $127.3M | $130.3M | $130.2M | $125.2M | $125.2M | $136.2M | $137.1M |
| Other long-term liabilities | $60.8M | $78.8M | $59.3M | $35.0M | $37.1M | $34.1M | $28.5M | $26.5M | $25.0M | $34.7M | $31.5M | $30.7M |
| Total liabilities | $4.64B | $4.57B | $4.53B | $4.48B | $4.47B | $4.45B | $4.40B | $4.22B | $4.12B | $4.17B | $4.17B | $4.02B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $120,000 | $120,000 | $120,000 | $120,000 | $120,000 | $120,000 | $120,000 | $120,000 | $120,000 | $120,000 | $119,000 | $119,000 |
| Retained earnings (deficit) | $389.6M | $372.4M | $372.4M | $372.4M | $359.6M | $346.4M | $333.3M | $321.2M | $311.4M | $300.2M | $291.3M | $281.5M |
| Accumulated other comprehensive income | $4.9M | $4.9M | −$1.2M | −$8.4M | −$11.4M | −$14.0M | −$16.4M | −$10.6M | −$17.5M | −$19.1M | −$18.8M | −$25.2M |
| Total shareholders' equity | $590.7M | $573.5M | $567.4M | $560.2M | $544.7M | $528.8M | $512.4M | $505.6M | $488.7M | $479.6M | $470.2M | $453.9M |
| Key figures | ||||||||||||
| Total debt | $148.3M | $148.3M | $145.3M | $145.2M | $142.3M | $142.3M | $145.3M | $145.2M | $134.6M | $125.2M | $136.2M | $137.1M |
| Net cash (debt) | $393.5M | $384.1M | $434.0M | $126.2M | $511.7M | $256.5M | $194.7M | $350.3M | $354.7M | $477.3M | $497.6M | $356.2M |
| Working capital | $441.5M | −$3.83B | $408.9M | −$4.01B | $391.5M | −$3.86B | −$3.87B | −$3.54B | −$3.45B | −$3.38B | −$3.35B | −$3.33B |
| Tangible book value | $469.3M | $451.5M | $498.1M | $487.4M | $471.0M | $454.1M | $437.0M | $429.3M | $411.5M | $401.5M | $391.1M | $373.8M |
| Book value per share | $53.65 | $51.78 | $50.75 | $49.70 | $48.33 | $46.95 | $45.50 | $44.98 | $43.32 | $42.39 | $41.61 | $40.18 |
| Shares outstanding | 11.0M | 11.1M | 11.2M | 11.3M | 11.3M | 11.3M | 11.3M | 11.2M | 11.3M | 11.3M | 11.3M | 11.3M |
| Current ratio | 1.10 | 0.12 | 1.09 | 0.07 | 1.09 | 0.10 | 0.09 | 0.13 | 0.13 | 0.16 | 0.16 | 0.13 |
| Quick ratio | 1.10 | 1.10 | 1.09 | 0.07 | 1.09 | 0.10 | 0.09 | 0.13 | 0.13 | 0.16 | 0.16 | 0.13 |
| Debt / equity | 0.25 | 0.26 | 0.26 | 0.26 | 0.26 | 0.27 | 0.28 | 0.29 | 0.28 | 0.26 | 0.29 | 0.30 |
| Equity / assets | 11.3% | 11.2% | 11.1% | 11.1% | 10.9% | 10.6% | 10.4% | 10.7% | 10.6% | 10.3% | 10.1% | 10.2% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed September 11, 2026); data from EODHD.
SMBC financial position
At the end of fiscal 2026 (June 30, 2026), Southern Missouri Bancorp had total assets of $5.2 billion (up 4.3% from a year earlier), total liabilities of $4.6 billion and shareholders' equity of $590.7 million. It held $541.7 million in cash and short-term investments against $166.2 million of debt, a net cash position of $375.6 million. Its current ratio was 0.12.
Related: SMBC income statement, SMBC cash flow statement, SMBC key metrics. See the SMBC stock overview for the latest quote and news.
SMBC balance sheet FAQ
What are Southern Missouri Bancorp's total assets?
Southern Missouri Bancorp reported total assets of $5.2 billion at the end of fiscal 2026 (June 30, 2026), compared with $5.0 billion a year earlier.
How much debt does Southern Missouri Bancorp have?
Southern Missouri Bancorp had $166.2 million of total debt at the end of fiscal 2026, including short-term borrowings. Its debt-to-equity ratio was 0.28.
How much cash does Southern Missouri Bancorp have?
Southern Missouri Bancorp held $541.7 million in cash and short-term investments at the end of fiscal 2026; with $166.2 million of debt that is net cash of $375.6 million.
What is Southern Missouri Bancorp's book value?
Southern Missouri Bancorp's shareholders' equity (book value) was $590.7 million at the end of fiscal 2026, or $53.10 per share.
What is Southern Missouri Bancorp's current ratio?
Southern Missouri Bancorp had current assets of $543.5 million and current liabilities of $4.4 billion, a current ratio of 0.12 (current liabilities exceed current assets).
How much goodwill does Southern Missouri Bancorp have?
Southern Missouri Bancorp carried $121.3 million of goodwill and intangible assets, 2.3% of total assets, at the end of fiscal 2026.