Southern Missouri Bancorp, Inc. (SMBC) Cash Flow Statement
Where SMBC’s cash came from and went, FY2026
June 30, 2026 · U.S. dollars- Cash from operations
- $80.5M −1.3% vs FY2025
- Capital expenditures
- $4.0M 1.3% of revenue
- Free cash flow
- $76.6M 24.2% margin
- Returned to shareholders
- $29.7M 39% of free cash flow
- Change in cash
- −$4.9M cash at year-end $13.5M
Drawn to scale: where the cash came from and how it was used. Hover for values.
SMBC operating cash flow, capex and free cash flow
SMBC cash flow trends, FY2017–FY2026
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Operating cash flow | $25.6MFY2017 | $80.5MFY2026 | +13.6%/yr | |
| Capital expenditures | $3.0MFY2017 | $4.0MFY2026 | +3.0%/yr | |
| Free cash flow | $22.6MFY2017 | $76.6MFY2026 | +14.5%/yr | |
| Free cash flow margin | 31.6%FY2017 | 24.2%FY2026 | −7.4 pts | |
| Operating cash flow / net income | 1.65FY2017 | 1.12FY2026 | −0.53 | |
| Stock-based compensation | $510,000FY2017 | $1.8MFY2026 | +15.0%/yr | |
| Dividends paid | $3.0MFY2017 | $11.1MFY2026 | +15.8%/yr | |
| Share buybacks (net) | $0FY2017 | $18.6MFY2026 | — | |
| Capex / revenue | 4.2%FY2017 | 1.3%FY2026 | −3.0 pts |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
SMBC cash flow by activity
SMBC net income vs operating cash flow
Operating cash flow above net income usually means earnings are backed by cash (depreciation and stock-based pay are non-cash expenses).
SMBC cash flow statement
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating activities | ||||||||||
| Net income | $71.8M | $58.6M | $50.2M | $39.2M | $47.2M | $47.2M | $27.5M | $28.9M | $20.9M | $15.6M |
| Depreciation & amortization | $9.6M | $10.0M | $10.1M | $7.6M | $5.9M | $5.4M | $5.6M | $5.1M | $4.6M | $3.9M |
| Stock-based compensation | $1.8M | $1.7M | $1.0M | $839,000 | $697,000 | $550,000 | $430,000 | $374,000 | $230,000 | $510,000 |
| Change in working capital | −$7.0M | $12.1M | $12.4M | $3.0M | $13.5M | $4.6M | $3.6M | $6.4M | $5.2M | $4.1M |
| Other non-cash items | $4.3M | −$775,000 | −$3.4M | $11.3M | $13,000 | −$6.0M | $3.2M | −$2.2M | −$328,000 | $1.5M |
| Cash from operating activities | $80.5M | $81.6M | $70.3M | $62.0M | $67.3M | $51.8M | $40.3M | $38.6M | $30.6M | $25.6M |
| Investing activities | ||||||||||
| Capital expenditures | −$4.0M | −$6.3M | −$9.0M | −$6.0M | −$4.6M | −$2.9M | −$4.3M | −$7.7M | −$2.1M | −$3.0M |
| Investments (net) | $3.0M | −$285.1M | −$245.7M | −$213.4M | −$337.7M | −$97.1M | −$257.0M | −$98.6M | −$108.5M | $163.9M |
| Acquisitions & other investing | −$302.6M | $6.3M | $9.0M | $6.0M | $38.4M | −$2.0M | −$11.1M | −$6.7M | $2.1M | −$284.0M |
| Cash from investing activities | −$303.6M | −$285.1M | −$245.7M | −$213.4M | −$303.9M | −$101.9M | −$272.4M | −$113.0M | −$108.5M | −$123.1M |
| Financing activities | ||||||||||
| Dividends paid | −$11.1M | −$10.4M | −$9.5M | −$8.6M | −$7.2M | −$5.6M | −$5.5M | −$4.8M | −$3.8M | −$3.0M |
| Share repurchases & issuance (net) | −$18.6M | $0 | −$3.9M | −$4.7M | −$5.8M | −$8.3M | −$5.8M | −$1.2M | $0 | $24.2M |
| Net borrowing (repayment) | $18.8M | $1.9M | −$31.6M | $67.8M | −$29.3M | −$12.5M | $17.6M | −$53.8M | $20.9M | $2.78B |
| Shares issued | $0 | $0 | $1,000 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other financing | $132.0M | $343.9M | $227.3M | $64.0M | $242.1M | $146.0M | $244.6M | $143.2M | $56.3M | −$2.70B |
| Cash from financing activities | $121.2M | $335.5M | $182.4M | $118.6M | $199.8M | $119.5M | $250.9M | $83.5M | $73.4M | $105.7M |
| Summary | ||||||||||
| Net change in cash | −$4.9M | $132.0M | $6.9M | −$32.8M | −$36.8M | $69.3M | $18.8M | $9.1M | −$4.5M | $8.2M |
| Cash at end of period | $13.5M | $192.9M | $60.9M | $54.0M | $86.8M | $123.6M | $54.2M | $35.4M | $26.3M | $30.8M |
| Free cash flow | $76.6M | $75.3M | $61.2M | $56.0M | $62.7M | $48.9M | $36.0M | $30.9M | $28.5M | $22.6M |
| Free cash flow margin | 24.2% | 24.7% | 22.4% | 27.6% | 45.4% | 37.8% | 29.6% | 27.9% | 31.8% | 31.6% |
| Capex / revenue | 1.3% | 2.1% | 3.3% | 3.0% | 3.3% | 2.2% | 3.5% | 7.0% | 2.4% | 4.2% |
| Operating cash flow / net income | 1.12 | 1.39 | 1.40 | 1.58 | 1.43 | 1.10 | 1.46 | 1.34 | 1.46 | 1.65 |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating activities | ||||||||||||
| Net income | $20.3M | $17.8M | $18.1M | $15.7M | $15.8M | $15.7M | $14.7M | $12.5M | $13.5M | $11.3M | $12.2M | $13.2M |
| Depreciation & amortization | $2.3M | $2.3M | $2.5M | $2.5M | $2.5M | $2.5M | $2.5M | $2.5M | $2.6M | $2.5M | $2.5M | $2.5M |
| Stock-based compensation | $378,000 | $1.1M | $106,000 | $136,000 | $97,000 | $892,000 | $550,000 | $128,000 | $89,000 | $525,000 | $82,000 | $333,000 |
| Change in working capital | −$10.2M | $7.0M | $1.3M | −$5.0M | $7.8M | $6.9M | $3.1M | −$5.7M | −$361,000 | $9.8M | $3.2M | $1.8M |
| Other non-cash items | $1.2M | $881,000 | −$711,000 | $3.0M | $1.2M | −$1.9M | −$639,000 | $607,000 | −$624,000 | −$256,000 | −$1.0M | −$3.5M |
| Cash from operating activities | $14.0M | $29.0M | $21.2M | $16.3M | $27.3M | $24.1M | $20.1M | $10.0M | $15.2M | $23.9M | $16.9M | $14.2M |
| Investing activities | ||||||||||||
| Capital expenditures | −$1.5M | −$456,000 | −$1.1M | −$901,000 | −$1.5M | −$1.4M | −$2.0M | −$1.4M | −$1.9M | −$4.3M | −$1.4M | −$1.4M |
| Investments (net) | −$18.9M | $3.1M | $7.5M | −$83.9M | −$78.7M | $11.8M | −$117.5M | −$100.6M | −$73.5M | −$59.4M | −$39.2M | −$73.7M |
| Acquisitions & other investing | −$77.6M | −$96.0M | −$34.7M | $901,000 | $1.5M | $1.4M | $2.0M | $1.4M | $1.9M | $4.3M | $1.4M | $1.4M |
| Cash from investing activities | −$98.0M | −$93.4M | −$28.3M | −$83.9M | −$78.7M | $11.8M | −$117.5M | −$100.6M | −$73.5M | −$59.4M | −$39.2M | −$73.7M |
| Financing activities | ||||||||||||
| Dividends paid | −$2.7M | −$2.8M | −$2.8M | −$2.8M | −$2.6M | −$2.6M | −$2.6M | −$2.6M | −$2.4M | −$2.4M | −$2.4M | −$2.4M |
| Share repurchases & issuance (net) | −$292,000 | −$9.8M | −$8.1M | −$446,000 | $0 | $0 | $0 | $0 | −$3.7M | −$187,000 | — | — |
| Net borrowing (repayment) | $17.9M | $3.0M | −$13,000 | −$2.0M | −$14,000 | −$3.0M | −$13,000 | $5.0M | — | — | — | — |
| Shares issued | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other financing | $67.1M | $32.9M | $27.9M | $4.1M | $20.0M | $50.8M | $170.5M | $102.7M | −$43.1M | −$10.0M | $152.8M | $96.1M |
| Cash from financing activities | $81.9M | $23.3M | $17.0M | −$1.1M | $17.4M | $45.2M | $167.9M | $105.1M | −$49.1M | −$12.6M | $150.4M | $93.7M |
| Summary | ||||||||||||
| Net change in cash | −$79.5M | −$41.0M | $9.9M | −$68.7M | −$34.0M | $81.1M | $70.5M | $14.4M | −$107.4M | −$48.1M | $128.2M | $34.2M |
| Cash at end of period | $13.5M | $93.0M | $134.1M | $124.1M | $192.9M | $226.9M | $145.8M | $75.3M | $60.9M | $168.3M | $216.4M | $88.2M |
| Free cash flow | $12.5M | $28.5M | $20.2M | $15.4M | $25.8M | $22.7M | $18.2M | $8.6M | $13.3M | $19.6M | $15.6M | $14.2M |
| Free cash flow margin | 17.1% | 36.6% | 25.5% | 19.3% | 33.2% | 29.7% | 23.8% | 11.5% | 18.4% | 28.1% | 23.2% | 22.2% |
| Capex / revenue | 2.1% | 0.6% | 1.4% | 1.1% | 1.9% | 1.8% | 2.6% | 1.9% | 2.7% | 6.2% | 2.1% | 2.2% |
| Operating cash flow / net income | 0.69 | 1.63 | 1.17 | 1.04 | 1.73 | 1.54 | 1.37 | 0.80 | 1.12 | 2.11 | 1.39 | 1.08 |
Negative numbers are cash paid out. Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported; data from EODHD.
SMBC cash generation
In fiscal 2026 (ended June 30, 2026), Southern Missouri Bancorp generated $80.5 million of cash from operations (down 1.3%) and spent $4.0 million on capital expenditures, leaving free cash flow of $76.6 million, 24.2% of revenue. It returned $29.7 million to shareholders through dividends ($11.1 million) and net share buybacks ($18.6 million). Cash and equivalents fell by $4.9 million over the year.
Related: SMBC income statement, SMBC balance sheet, SMBC dividend history. See the SMBC stock overview for the latest quote and news.
SMBC cash flow FAQ
What is Southern Missouri Bancorp's free cash flow?
Southern Missouri Bancorp's free cash flow was $76.6 million in fiscal 2026: $80.5 million of operating cash flow minus $4.0 million of capital expenditures It was $75.3 million a year earlier..
How much cash does Southern Missouri Bancorp generate from operations?
Southern Missouri Bancorp generated $80.5 million of cash from operating activities in fiscal 2026, 1.12 times its net income of $71.8 million.
How much does Southern Missouri Bancorp spend on capital expenditures?
Southern Missouri Bancorp spent $4.0 million on capital expenditures in fiscal 2026, 1.3% of revenue, compared with $6.3 million the year before.
How much stock does Southern Missouri Bancorp buy back?
Southern Missouri Bancorp spent $18.6 million on net share repurchases in fiscal 2026.
How much does Southern Missouri Bancorp pay in dividends?
Southern Missouri Bancorp paid $11.1 million in dividends in fiscal 2026, 14.5% of free cash flow.