Southern Missouri Bancorp, Inc. - Understand $smbc stock

$SMBC Market Cap: $739.9 Million

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Financial Snapshot

Revenue

$257.6M

TTM

Gross Margin

Net Earnings

$49.38M

TTM

Current Assets

Current Liabilities

$53.19M

Q3 2024

Current Ratio

Total Assets

$4.729B

Q3 2024

Total Liabilities

$4.224B

Q3 2024

Book Value

$505.6M

Q3 2024

Cash

$75.35M

Q3 2024

P/E

14.98

Nov 29, 2024 EST

Free Cash Flow

$57.00M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993
Revenue	$248.4M	$176.4M	$116.9M	$109.5M	$107.1M	$97.48M	$77.17M
YoY Change	40.79%	50.95%	6.75%	2.26%	9.82%	26.31%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2024	2023	2022	2021	2020	2019	2018
Revenue	$248.4M	$176.4M	$116.9M	$109.5M	$107.1M	$97.48M	$77.17M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$10.09M	$4.923M	$4.480M	$4.029M	$3.783M	$3.402M	$3.119M	$3.890M	$3.540M	$3.240M	$2.180M	$1.570M	$1.360M	$1.080M	$1.000M	$890.0K	$940.0K	$970.0K	$900.0K	$800.0K	$920.0K	$940.0K	$810.0K	$630.0K	$260.0K	$270.0K	$220.0K	$190.0K	$160.0K	$210.0K	$210.0K	$180.0K
YoY Change	105.0%	9.89%	11.19%	6.5%	11.2%	9.07%	-19.82%	9.89%	9.26%	48.62%	38.85%	15.44%	25.93%	8.0%	12.36%	-5.32%	-3.09%	7.78%	12.5%	-13.04%	-2.13%	16.05%	28.57%	142.31%	-3.7%	22.73%	15.79%	18.75%	-23.81%	0.0%	16.67%	0.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018
Interest Expense	$49.67M	$13.30M	$16.79M	$26.92M	$24.70M	$14.79M
YoY Change	273.47%	-20.78%	-37.62%	8.97%	66.99%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993
Pretax Income	$63.11M	$49.46M	$59.90M	$59.71M	$34.43M	$35.95M	$28.73M	$21.60M	$21.50M	$19.70M	$13.80M	$14.00M	$14.70M	$17.40M	$6.100M	$5.600M	$5.400M	$4.100M	$4.200M	$0.00	$4.300M	$4.200M	$3.500M	$2.400M	$2.000M	$2.500M	$1.600M	$1.500M	$2.100M	$1.700M	$2.100M	$3.100M
YoY Change	27.59%	-17.43%	0.33%	73.4%	-4.23%	25.13%	33.02%	0.47%	9.14%	42.75%	-1.43%	-4.76%	-15.52%	185.25%	8.93%	3.7%	31.71%	-2.38%		-100.0%	2.38%	20.0%	45.83%	20.0%	-20.0%	56.25%	6.67%	-28.57%	23.53%	-19.05%	-32.26%	34.78%
Income Tax	$12.93M	$10.23M	$12.74M	$12.53M	$6.887M	$7.047M	$7.803M	$6.100M	$6.700M	$6.100M	$3.700M	$4.000M	$4.600M	$6.000M	$1.500M	$1.800M	$1.800M	$1.100M	$1.400M	-$100.0K	$1.400M	$1.500M	$1.200M	$800.0K	$700.0K	$900.0K	$500.0K	$400.0K	$700.0K	$500.0K	$600.0K	$900.0K
% Of Pretax Income	20.48%	20.68%	21.26%	20.98%	20.0%	19.6%	27.16%	28.24%	31.16%	30.96%	26.81%	28.57%	31.29%	34.48%	24.59%	32.14%	33.33%	26.83%	33.33%		32.56%	35.71%	34.29%	33.33%	35.0%	36.0%	31.25%	26.67%	33.33%	29.41%	28.57%	29.03%
Net Earnings	$50.18M	$39.05M	$47.17M	$47.18M	$27.55M	$28.90M	$20.93M	$15.60M	$14.80M	$13.70M	$10.10M	$10.10M	$10.10M	$11.50M	$4.600M	$3.800M	$3.600M	$2.900M	$2.800M	$100.0K	$2.900M	$2.700M	$2.300M	$1.500M	$1.300M	$1.600M	$1.100M	$1.100M	$1.500M	$1.200M	$1.800M	$2.100M
YoY Change	28.51%	-17.21%	-0.03%	71.28%	-4.7%	38.11%	34.16%	5.41%	8.03%	35.64%	0.0%	0.0%	-12.17%	150.0%	21.05%	5.56%	24.14%	3.57%	2700.0%	-96.55%	7.41%	17.39%	53.33%	15.38%	-18.75%	45.45%	0.0%	-26.67%	25.0%	-33.33%	-14.29%	16.67%
Net Earnings / Revenue	20.2%	22.13%	40.36%	43.1%	25.73%	29.65%	27.12%
Basic Earnings Per Share	$4.42	$3.86	$5.22	$5.22	$3.00	$3.14	$2.40
Diluted Earnings Per Share	$4.42	$3.66	$5.232M	$5.22	$2.99	$3.14	$2.39	$2.080M	$1.973M	$1.827M	$1.485M	$1.485M	$1.741M	$2.674M	$1.095M	$904.8K	$818.2K	$644.4K	$622.2K	$21.74K	$617.0K	$562.5K	$469.4K	$300.0K	$250.0K	$290.9K	$174.6K	$174.6K	$214.3K	$166.7K	$250.0K	$291.7K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$95.95M	$92.40M	$71.35M	$64.10M	$65.10M	$62.70M	$54.80M	$54.20M	$46.90M	$39.70M	$22.50M	$17.50M	$11.30M	$8.100M	$7.700M	$8.100M	$8.200M	$8.700M	$8.900M	$7.900M	$6.100M	$6.200M	$5.800M	$5.100M	$2.600M	$1.900M	$1.900M	$1.700M	$1.400M	$1.300M	$1.200M	$1.200M
YoY Change	3.85%	29.5%	11.31%	-1.54%	3.83%	14.42%	1.11%	15.57%	18.14%	76.44%	28.57%	54.87%	39.51%	5.19%	-4.94%	-1.22%	-5.75%	-2.25%	12.66%	29.51%	-1.61%	6.9%	13.73%	96.15%	36.84%	0.0%	11.76%	21.43%	7.69%	8.33%	0.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets	$4.604B	$4.360B	$3.215B	$2.701B	$2.542B	$2.214B	$1.886B	$1.708B	$1.404B	$1.300B	$1.021B	$796.4M	$739.2M	$688.2M	$552.1M	$466.3M	$417.8M	$379.9M	$350.7M	$330.4M	$311.7M	$279.5M	$266.3M	$240.5M	$184.4M	$165.0M	$155.9M	$160.4M	$159.8M	$148.3M	$141.8M	$134.8M
YoY Change
Accounts Payable	$31.24M	$25.87M	$14.07M	$10.80M	$11.80M	$15.00M	$7.700M	$7.300M	$5.200M	$5.400M	$3.800M	$2.700M	$2.300M	$6.400M	$2.500M	$2.700M	$2.000M	$2.100M	$1.500M	$1.200M	$900.0K	$1.100M	$1.300M	$2.200M	$1.700M	$1.300M	$1.000M	$1.400M	$1.400M	$1.300M	$900.0K	$600.0K
YoY Change	20.75%	83.81%	30.31%	-8.47%	-21.33%	94.81%	5.48%	40.38%	-3.7%	42.11%	40.74%	17.39%	-64.06%	156.0%	-7.41%	35.0%	-4.76%	40.0%	25.0%	33.33%	-18.18%	-15.38%	-40.91%	29.41%	30.77%	30.0%	-28.57%	0.0%	7.69%	44.44%	50.0%
Accrued Expenses	$6.669M	$6.125M	$3.849M	$2.800M	$2.000M
YoY Change	8.88%	59.13%	37.46%	40.0%
Deferred Revenue
YoY Change
Short-Term Debt		$31.99M			$0.00	$7.400M	$6.300M	$13.20M	$27.10M	$27.30M	$25.60M	$27.80M	$25.60M	$25.20M	$30.40M	$23.70M	$21.80M	$17.80M	$11.30M	$10.80M	$6.400M	$5.200M	$4.300M	$4.100M	$0.00					$0.00	$100.0K	$200.0K
YoY Change					-100.0%	17.46%	-52.27%	-51.29%	-0.73%	6.64%	-7.91%	8.59%	1.59%	-17.11%	28.27%	8.72%	22.47%	57.52%	4.63%	68.75%	23.08%	20.93%	4.88%							-100.0%	-50.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$37.91M	$31.99M	$17.92M	$13.60M	$13.80M	$15.00M	$7.700M	$7.300M	$5.200M	$5.400M	$3.800M	$2.700M	$2.300M	$6.400M	$2.500M	$2.700M	$2.000M	$2.100M	$1.500M	$1.200M	$900.0K	$1.100M	$1.300M	$2.200M	$1.700M	$1.300M	$1.000M	$1.400M	$1.500M	$1.300M	$1.000M	$800.0K
YoY Change	18.48%	78.51%	31.79%	-1.45%	-8.0%	94.81%	5.48%	40.38%	-3.7%	42.11%	40.74%	17.39%	-64.06%	156.0%	-7.41%	35.0%	-4.76%	40.0%	25.0%	33.33%	-18.18%	-15.38%	-40.91%	29.41%	30.77%	30.0%	-28.57%	-6.67%	15.38%	30.0%	25.0%
Long-Term Debt	$23.16M	$23.11M	$23.06M	$15.20M	$15.10M	$15.00M	$14.90M	$14.80M	$14.80M	$14.70M	$9.700M	$7.200M	$7.200M	$7.200M	$7.200M	$7.200M	$7.200M	$7.200M	$7.200M	$7.200M	$7.200M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	0.22%	0.22%	51.68%	0.66%	0.67%	0.67%	0.68%	0.0%	0.68%	51.55%	34.72%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities	$23.16M	$23.11M	$23.06M	$15.20M	$15.10M	$15.00M	$14.90M	$14.80M	$14.80M	$14.70M	$9.700M	$7.200M	$7.200M	$7.200M	$7.200M	$7.200M	$7.200M	$7.200M	$7.200M	$7.200M	$7.200M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	0.22%	0.22%	51.68%	0.66%	0.67%	0.67%	0.68%	0.0%	0.68%	51.55%	34.72%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Total Liabilities	$4.116B	$3.914B	$2.894B	$2.417B	$2.284B	$1.976B	$1.685B	$1.535B	$1.278B	$1.167B	$910.3M	$694.6M	$644.5M	$632.5M	$506.4M	$424.3M	$387.3M	$351.2M	$324.1M	$305.4M	$285.8M	$254.3M	$241.8M	$216.9M	$162.9M	$142.3M	$131.8M	$134.0M	$133.6M	$121.3M	$116.0M	$125.6M
YoY Change	5.15%	35.25%	19.73%	5.84%	15.58%	17.24%	9.83%	20.09%	9.47%	28.24%	31.05%	7.77%	1.9%	24.9%	19.35%	9.55%	10.28%	8.36%	6.12%	6.86%	12.39%	5.17%	11.48%	33.15%	14.48%	7.97%	-1.64%	0.3%	10.14%	4.57%	-7.64%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2024	2023	2022	2021	2020	2019	2018
Basic Shares Outstanding	11.29M	10.12M	8.994M	9.008M	9.190M	9.193M	8.734M
Diluted Shares Outstanding
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $739.89 Million

About SOUTHERN MISSOURI BANCORP, INC.

Southern Missouri Bancorp, Inc. is as a holding company, which engages in the provision of financial services. The company is headquartered in Poplar Bluff, Missouri and currently employs 693 full-time employees. The Bank is primarily engaged in providing a full range of banking and financial services to individuals and corporate customers in its market areas. The principal business of the Bank consists of attracting retail deposits from the general public and using such deposits along with wholesale funding from the Federal Home Loan Bank of Des Moines, (FHLB), and brokered deposits, to invest in one- to four-family residential mortgage loans, mortgage loans secured by commercial real estate, commercial non-mortgage business loans, construction loans, and consumer loans. These funds are also used to purchase mortgage-backed and related securities (MBS), municipal bonds, and other permissible investments. The Bank provides its customers with a full array of community banking services. The company operates over 62 full-service branch offices and three limited-service branch offices.

Industry: Savings Institutions, Not Federally Chartered Peers: Greystone Housing Impact Investors LP Bridgewater Bancshares Inc FEDERAL NATIONAL MORTGAGE ASSOCIATION FANNIE MAE GREENE COUNTY BANCORP INC Guild Holdings Co loanDepot, Inc. Luther Burbank Corp Rocket Companies, Inc.