Southern Missouri Bancorp, Inc. (SMBC) Key Metrics
SMBC valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $772.9M
- Enterprise value
- $854.8M
- P/E (TTM)
- 10.9 10-yr median 10.8
- Forward P/E
- 8.8
- PEG ratio
- 1.07
- Price / sales
- 4.1 10-yr median 2.8
- Price / book
- 1.3 10-yr median 1.3
- EV / EBITDA
- — 10-yr median 2.2
- Dividend yield
- 1.45% $1.02 a year
- Beta
- 0.87
SMBC key metrics, FY2017–FY2026
Fiscal year ended June 30, 2026 · U.S. dollarsSMBC valuation Price multiples at each fiscal year-end price.
SMBC returns How much profit the business earns on the capital it uses.
SMBC per-share figures Results divided by the shares outstanding at year-end.
SMBC financial health Debt, liquidity and how easily interest is covered.
SMBC efficiency & capital use Working capital cycle and where the cash goes.
SMBC valuation history
SMBC returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
SMBC debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
SMBC cash returned to shareholders
SMBC price vs earnings per share
SMBC key metrics
FY2017–FY2026| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $847.8M | $617.2M | $508.7M | $435.6M | $407.8M | $405.1M | $223.5M | $320.6M | $341.6M | $242.3M |
| Enterprise value | $472.2M | $105.5M | $154.0M | $119.5M | $141.9M | $146.3M | $77.0M | $186.0M | $264.9M | $132.6M |
| P/E ratio | 11.8 | 10.6 | 10.1 | 11.1 | 8.6 | 8.6 | 8.1 | 11.1 | 16.3 | 15.6 |
| Price / sales | 2.7 | 2.0 | 1.9 | 2.2 | 3.0 | 3.1 | 1.8 | 2.9 | 3.8 | 3.4 |
| Price / book | 1.4 | 1.1 | 1.0 | 1.0 | 1.3 | 1.4 | 0.9 | 1.3 | 1.7 | 1.4 |
| Price / free cash flow | 11.1 | 8.2 | 8.3 | 7.8 | 6.5 | 8.3 | 6.2 | 10.4 | 12.0 | 10.7 |
| Price / operating cash flow | 10.5 | 7.6 | 7.2 | 7.0 | 6.1 | 7.8 | 5.5 | 8.3 | 11.1 | 9.5 |
| EV / sales | 1.5 | 0.3 | 0.6 | 0.6 | 1.0 | 1.1 | 0.6 | 1.7 | 3.0 | 1.9 |
| EV / EBITDA | 5.4 | 1.3 | 2.1 | 2.1 | 2.2 | 2.2 | 1.9 | 4.5 | 8.0 | 5.2 |
| EV / free cash flow | 6.2 | 1.4 | 2.5 | 2.1 | 2.3 | 3.0 | 2.1 | 6.0 | 9.3 | 5.9 |
| Earnings yield | 8.5% | 9.4% | 9.9% | 9.0% | 11.6% | 11.6% | 12.3% | 9.0% | 6.1% | 6.4% |
| Free cash flow yield | 9.0% | 12.2% | 12.0% | 12.9% | 15.4% | 12.1% | 16.1% | 9.6% | 8.3% | 9.3% |
| Dividend yield | 1.3% | 1.7% | 1.9% | 2.0% | 1.8% | 1.4% | 2.5% | 1.5% | 1.1% | 1.2% |
| Shareholder yield (dividends + buybacks) | 3.5% | 1.7% | 2.6% | 3.1% | 3.2% | 3.4% | 5.0% | 1.8% | 1.1% | 1.2% |
| Share price at fiscal year-end | $76.21 | $54.78 | $45.01 | $38.45 | $45.26 | $44.96 | $24.30 | $34.83 | $39.02 | $32.26 |
| Per share | ||||||||||
| Revenue per share | $28.46 | $27.09 | $24.18 | $17.88 | $15.32 | $14.37 | $13.24 | $12.01 | $10.23 | $9.51 |
| Earnings per share | $6.46 | $5.18 | $4.44 | $3.46 | $5.23 | $5.24 | $2.99 | $3.14 | $2.39 | $2.07 |
| Operating cash flow per share | $7.24 | $7.24 | $6.22 | $5.47 | $7.47 | $5.74 | $4.38 | $4.19 | $3.50 | $3.41 |
| Free cash flow per share | $6.88 | $6.68 | $5.42 | $4.94 | $6.96 | $5.43 | $3.91 | $3.36 | $3.26 | $3.01 |
| Cash per share | $48.70 | $58.05 | $43.30 | $41.73 | $36.28 | $36.80 | $25.19 | $21.94 | $19.94 | $23.42 |
| Book value per share | $53.10 | $48.35 | $43.25 | $39.37 | $35.60 | $31.45 | $28.08 | $25.90 | $22.92 | $23.04 |
| Tangible book value per share | $42.19 | $41.80 | $36.41 | $32.20 | $31.66 | $29.10 | $25.72 | $23.37 | $20.64 | $19.84 |
| Dividends per share | $1.00 | $0.92 | $0.84 | $0.76 | $0.80 | $0.62 | $0.60 | $0.52 | $0.44 | $0.40 |
| Capex per share | $0.36 | $0.56 | $0.80 | $0.53 | $0.51 | $0.32 | $0.47 | $0.84 | $0.24 | $0.40 |
| Debt per share | $14.94 | $12.63 | $11.91 | $13.82 | $6.77 | $8.08 | $9.26 | $7.31 | $11.18 | $8.81 |
| Shares outstanding | 11.1M | 11.3M | 11.3M | 11.3M | 9.0M | 9.0M | 9.2M | 9.2M | 8.8M | 7.5M |
| Change in shares outstanding | −1.3% | −0.3% | −0.3% | +25.7% | 0.0% | −2.0% | −0.1% | +5.1% | +16.6% | +0.7% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 12.7% | 11.3% | 10.7% | 10.2% | 15.6% | 17.4% | 11.1% | 13.2% | 11.2% | 10.4% |
| Return on invested capital (ROIC) | 57.9% | 70.1% | 38.0% | 42.5% | 118.8% | 69.2% | 25.6% | 25.4% | 22.4% | 16.5% |
| Return on assets (ROA) | 1.4% | 1.2% | 1.1% | 1.0% | 1.6% | 1.8% | 1.2% | 1.4% | 1.2% | 1.0% |
| Return on tangible assets | 1.4% | 1.2% | 1.1% | 0.9% | 1.5% | 1.8% | 1.1% | 1.3% | 1.1% | 0.9% |
| Free cash flow margin | 24.2% | 24.7% | 22.4% | 27.6% | 45.4% | 37.8% | 29.6% | 27.9% | 31.8% | 31.6% |
| Income quality (OCF / net income) | 1.12 | 1.40 | 1.40 | 1.58 | 1.43 | 1.10 | 1.46 | 1.34 | 1.46 | 1.65 |
| Financial health | ||||||||||
| Total debt | $166.2M | $142.3M | $134.6M | $156.6M | $61.0M | $72.8M | $85.2M | $67.3M | $97.9M | $66.2M |
| Cash & short-term investments | $541.7M | $653.9M | $489.3M | $472.8M | $327.0M | $331.6M | $231.7M | $201.9M | $174.6M | $175.9M |
| Net debt | −$375.6M | −$511.7M | −$354.7M | −$316.2M | −$265.9M | −$258.8M | −$146.6M | −$134.6M | −$76.7M | −$109.8M |
| Debt / equity | 0.28 | 0.26 | 0.28 | 0.35 | 0.19 | 0.26 | 0.33 | 0.28 | 0.49 | 0.38 |
| Debt / assets | 0.03 | 0.03 | 0.03 | 0.04 | 0.02 | 0.03 | 0.03 | 0.03 | 0.05 | 0.04 |
| Net debt / EBITDA | −4.31 | −6.09 | −4.85 | −5.54 | −4.04 | −3.97 | −3.67 | −3.28 | −2.30 | −4.30 |
| Current ratio | 0.12 | 1.09 | 0.13 | 0.13 | 0.13 | 0.15 | 0.12 | 0.12 | 0.13 | — |
| Quick ratio | 0.12 | 1.09 | 0.12 | 0.16 | 0.13 | 0.21 | 0.15 | 0.15 | 0.12 | — |
| Interest coverage | 0.8 | 0.6 | 0.6 | 1.0 | 4.5 | 3.6 | 1.3 | 1.5 | 1.9 | 2.1 |
| Working capital | −$3.88B | $391.5M | −$3.45B | −$3.24B | −$2.45B | −$1.97B | −$1.93B | −$1.67B | −$1.38B | $1.49B |
| Invested capital | $215.1M | $33.0M | $134.1M | $129.9M | $54.8M | $24.6M | $111.8M | $103.8M | $124.0M | $63.3M |
| Tangible asset value | $469.3M | $471.0M | $411.5M | $364.8M | $285.3M | $262.2M | $236.6M | $215.1M | $180.7M | $149.1M |
| Net current asset value | −$4.10B | $227.1M | −$3.60B | −$3.42B | −$2.53B | −$2.06B | −$2.02B | −$1.74B | −$1.48B | −$40.9M |
| Graham number | $87.84 | $75.04 | $65.73 | $55.39 | $64.75 | $60.87 | $43.50 | $42.78 | $35.11 | $32.76 |
| Graham net-net per share | −$76.39 | −$69.67 | −$317.64 | −$306.75 | −$283.84 | −$238.20 | −$225.89 | −$194.66 | −$171.66 | −$179.99 |
| Capital allocation | ||||||||||
| Dividends paid | $11.1M | $10.4M | $9.5M | $8.6M | $7.2M | $5.6M | $5.5M | $4.8M | $3.8M | $3.0M |
| Share buybacks (net) | $18.6M | $0 | $3.9M | $4.7M | $5.8M | $8.3M | $5.8M | $1.2M | $0 | $0 |
| Dividend payout ratio | 15.5% | 17.8% | 19.0% | 22.0% | 15.3% | 11.9% | 20.0% | 16.5% | 18.3% | 19.2% |
| Dividends + buybacks / free cash flow | 38.8% | 13.8% | 21.9% | 23.7% | 20.8% | 28.5% | 31.3% | 19.2% | 13.4% | 13.2% |
| Capex / revenue | 1.3% | 2.1% | 3.3% | 3.0% | 3.3% | 2.2% | 3.5% | 7.0% | 2.4% | 4.2% |
| Capex / operating cash flow | 4.9% | 7.7% | 12.9% | 9.7% | 6.9% | 5.5% | 10.7% | 19.9% | 7.0% | 11.8% |
| Capex / depreciation | 0.41 | 0.62 | 0.90 | 0.80 | 0.78 | 0.53 | 0.77 | 1.52 | 0.47 | 0.78 |
| Stock-based compensation / revenue | 0.6% | 0.5% | 0.4% | 0.4% | 0.5% | 0.4% | 0.4% | 0.3% | 0.3% | 0.7% |
| SG&A / revenue | 22.2% | 19.7% | 21.2% | 24.7% | 27.4% | 25.4% | 31.2% | 25.5% | 33.1% | 30.5% |
| Efficiency | ||||||||||
| Days sales outstanding | 4,834.3 | 2,434.5 | 28.5 | 27.0 | 27.9 | 31.3 | 33.4 | 30.0 | 30.1 | 31.4 |
| Days of inventory on hand | — | — | -95.7 | -258.1 | -1,662.3 | -2,393.7 | -653.4 | -314.7 | 71.6 | 92.9 |
| Days payables outstanding | 37.1 | 38.2 | 28.5 | 15.1 | 19.5 | 28.1 | 20.4 | 22.4 | 87.1 | 115.7 |
| Cash conversion cycle (days) | 4,797.1 | 2,396.3 | -95.7 | -246.3 | -1,653.9 | -2,390.5 | -640.3 | -307.2 | 14.6 | 8.6 |
| Receivables turnover | 0.08 | 0.15 | 12.80 | 13.54 | 13.07 | 11.67 | 10.92 | 12.16 | 12.13 | 11.63 |
| Payables turnover | 9.83 | 9.56 | 12.79 | 24.16 | 18.72 | 13.00 | 17.93 | 16.27 | 4.19 | 3.15 |
| Inventory turnover | — | — | — | — | — | — | — | — | 5.10 | 3.93 |
| Asset turnover | 0.06 | 0.06 | 0.06 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
| Average receivables | $4.19B | $2.04B | $21.3M | $15.0M | $10.6M | $11.1M | $11.2M | $9.1M | $7.4M | $6.1M |
| Average payables | $13.0M | $13.5M | $8.8M | $2.8M | $790,000 | $1.2M | $1.9M | $1.7M | $4.3M | $4.0M |
| Average inventory | — | — | −$29.5M | −$47.2M | −$67.3M | −$103.4M | −$60.1M | −$23.2M | $3.5M | $3.2M |
| Intangibles / total assets | 2.3% | 1.5% | 1.7% | 1.9% | 1.1% | 0.8% | 0.9% | 1.1% | 1.1% | 1.4% |
Computed from SMBC's annual financial statements (latest annual report filed September 11, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
SMBC valuation and financial ratios
At the end of fiscal 2026 (June 30, 2026), Southern Missouri Bancorp traded at 11.8 times earnings, against a 10-year median of 10.8. Based on the latest twelve months, the trailing P/E is 10.9 and the forward P/E is 8.8. Southern Missouri Bancorp earned a return on equity of 12.7% and a return on invested capital of 57.9% in fiscal 2026. It ended the year with $166.2 million of debt and $541.7 million in cash and short-term investments, a net cash position of $375.6 million. It returned $29.7 million to shareholders: $11.1 million in dividends and $18.6 million in share buybacks, 39% of free cash flow. The share count rose 48.1% from 7.5M to 11.1M over 9 years.
See the SMBC income statement, the SMBC chart for price history, or the SMBC stock overview for the latest quote and news.
SMBC key metrics FAQ
What is Southern Missouri Bancorp's P/E ratio?
Southern Missouri Bancorp's trailing P/E ratio is 10.9 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 8.8. At the end of fiscal 2026 it was 11.8, compared with a 10-year median of 10.8.
What is Southern Missouri Bancorp's EV/EBITDA?
Southern Missouri Bancorp's enterprise value was 5.4 times EBITDA at the end of fiscal 2026 (enterprise value $472.2 million, EBITDA $87.1 million).
What is Southern Missouri Bancorp's return on equity?
Southern Missouri Bancorp's return on equity (ROE) was 12.7% in fiscal 2026: net income of $71.8 million on average shareholders' equity of $567.7 million.
What is Southern Missouri Bancorp's ROIC?
Southern Missouri Bancorp's return on invested capital was 57.9% in fiscal 2026, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Southern Missouri Bancorp have?
Southern Missouri Bancorp had total debt of $166.2 million at the end of fiscal 2026, a debt-to-equity ratio of 0.28 and more cash than debt.
What is Southern Missouri Bancorp's dividend yield?
Southern Missouri Bancorp's forward dividend yield is 1.45%. Southern Missouri Bancorp paid $11.1 million in dividends in fiscal 2026 ($1.00 per share), a payout ratio of 15.5%.
Does Southern Missouri Bancorp buy back its shares?
Yes. Southern Missouri Bancorp spent $18.6 million on net share repurchases in fiscal 2026 Shares outstanding changed −1.3% over the year, to 11.1M..
What is Southern Missouri Bancorp's free cash flow yield?
Southern Missouri Bancorp generated $76.6 million of free cash flow in fiscal 2026, a free cash flow yield of 9.0% on its market value at year-end ($847.8 million).
What is Southern Missouri Bancorp's current ratio?
Southern Missouri Bancorp's current ratio was 0.12 at the end of fiscal 2026: current assets were 0.12 times current liabilities.