SMBC on Nasdaq
SOUTHERN MISSOURI BANCORP, INC.
American savings institutions company, incorporated in Missouri.
Price unavailable
Last updated Oct 18, 2026.
Overview
$71.8MNet income, fiscal 20262
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2026
Financial statements
Every line of the income statement as filed: the last 3 fiscal years, latest first.2
| Period ending | 2026-06-30 | 2025-06-30 | 2024-06-30 |
|---|---|---|---|
| Loans | $265.2M | $250.8M | $222.5M |
| Investment securities | $5.0M | $5.8M | $6.9M |
| Mortgage-backed securities | $15.6M | $16.6M | $14.6M |
| Other interest-earning assets | $3.3M | $4.1M | $4.4M |
| TOTAL INTEREST INCOME | $289.0M | $277.4M | $248.4M |
| Deposits | $109.2M | $115.8M | $101.7M |
| Securities sold under agreements to repurchase | $806.0K | $766.0K | $451.0K |
| Advances from FHLB | $4.7M | $4.6M | $5.0M |
| Subordinated debt | $1.5M | $1.6M | $1.7M |
| TOTAL INTEREST EXPENSE | $116.1M | $122.7M | $108.9M |
| NET INTEREST INCOME | $172.8M | $154.6M | $139.5M |
| Provision for credit losses (Note 3) | $11.5M | $6.5M | $3.6M |
| NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES | $161.4M | $148.1M | $135.9M |
| Deposit account charges and related fees | $9.5M | $8.6M | $7.4M |
| Bank card interchange income | $6.5M | $6.0M | $5.7M |
| Loan late charges | $579.0K | ||
| Loan servicing fees | $1.0M | $909.0K | $1.3M |
| Other loan fees | $464.0K | $3.8M | $2.4M |
| Net realized gains on sale of loans | $904.0K | $751.0K | $713.0K |
| Net realized gains (losses) on sale of AFS securities | $0 | $48.0K | -$1.5M |
| Earnings on bank owned life insurance | $2.6M | $2.1M | $1.9M |
| Insurance brokerage commissions | $1.4M | $1.3M | $1.2M |
| Wealth management fees | $3.8M | $3.3M | $3.2M |
| Other income | $1.7M | $1.2M | $2.0M |
| TOTAL NONINTEREST INCOME | $27.8M | $28.0M | $24.8M |
| Compensation and benefits | $54.9M | $55.8M | $53.3M |
| Occupancy and equipment, net | $15.4M | $14.9M | $14.4M |
| Data processing expense | $10.6M | $9.3M | $9.0M |
| Telecommunications expense | $1.3M | $1.4M | $1.9M |
| Deposit insurance premiums | $2.2M | $2.3M | $2.5M |
| Legal and professional fees | $2.7M | $3.6M | $1.7M |
| Advertising | $2.3M | $2.1M | $2.1M |
| Postage and office supplies | $1.4M | $1.3M | $1.2M |
| Intangibles amortization | $3.1M | $3.5M | $4.1M |
| Foreclosed property expenses, net | $240.0K | $104.0K | $148.0K |
| Other operating expense | $8.0M | $7.8M | $7.3M |
| TOTAL NONINTEREST EXPENSE | $102.1M | $102.1M | $97.6M |
| INCOME BEFORE INCOME TAXES | $87.1M | $74.0M | $63.1M |
| Current | $16.6M | $14.7M | $12.2M |
| Deferred | -$1.3M | $694.0K | $694.0K |
| TOTAL INCOME TAXES | $15.3M | $15.4M | $12.9M |
| NET INCOME | $71.8M | $58.6M | $50.2M |
| Basic earnings per share | $6.44 | $5.19 | $4.42 |
| Diluted earnings per share | $6.43 | $5.18 | $4.42 |
| Dividends paid per share | $1.00 | $0.92 | $0.84 |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 4 fiscal years (annual) or 4 quarters (quarterly), latest first.2
| Period ending | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 |
|---|---|---|---|---|
| Cash and cash equivalents | $91.0M | $192.9M | ||
| Interest-bearing time deposits | $246.0K | |||
| Available-for-sale-securities (Note 2) | $450.8M | $460.8M | ||
| Stock in FHLB | $10.9M | $9.4M | ||
| Stock in Federal Reserve Bank of St. Louis | $9.2M | $9.1M | ||
| Loans held for sale | $1.8M | $431.0K | ||
| Loans receivable, net of ACL of $54,912 and $51,629 at June 30, 2026 and June 30, 2025, respectively (Note 3) | $4.3B | $4.0B | ||
| Accrued interest receivable | $26.9M | $26.0M | ||
| Premises and equipment, net (Note 4) | $93.2M | $96.0M | ||
| Bank owned life insurance - cash surrender value | $77.1M | $75.7M | ||
| Goodwill | $50.7M | $50.7M | ||
| Other intangible assets, net | $19.9M | $23.0M | ||
| Prepaid expenses and other assets | $68.0M | $26.4M | ||
| TOTAL ASSETS | $5.2B | $5.0B | ||
| Deposits (Note 5) | $4.4B | $4.3B | ||
| Securities sold under agreements to repurchase (Note 6) | $20.0M | $15.0M | ||
| Advances from FHLB (Note 7) | $130.4M | $104.1M | ||
| Accounts payable and other liabilities | $59.9M | $37.1M | ||
| Accrued interest payable | $11.8M | $14.2M | ||
| Subordinated debt (Note 8) | $15.8M | $23.2M | ||
| TOTAL LIABILITIES | $4.6B | $4.5B | ||
| Common stock, $.01 par value; 25,000,000 shares authorized; 12,009,617 and 11,980,887 shares issued at June 30, 2026 and June 30, 2025, respectively | $120.0K | $120.0K | ||
| Additional paid-in capital | $223.6M | $221.3M | ||
| Retained earnings | $420.3M | $359.6M | ||
| Treasury stock of 998,508 and 681,420 shares at June 30, 2026 and June 30, 2025, respectively, at cost | -$43.5M | -$25.0M | ||
| Accumulated other comprehensive loss | -$9.8M | -$11.4M | ||
| TOTAL STOCKHOLDERS' EQUITY | $590.7M | $544.7M | ||
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY | $5.2B | $5.0B | ||
| Loans And Leases Receivable Allowance | $54.9M | $51.6M | $52.5M | $47.8M |
| Common Stock, Par or Stated Value Per Share | $0.01 | $0.01 | ||
| Common Stock, Shares Authorized | 25.0M shares | 25.0M shares | ||
| Common Stock, Shares, Issued | 12.0M shares | 12.0M shares | ||
| Treasury Stock | 998.5K shares | 681.4K shares |
| Period ending | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 |
|---|---|---|---|---|
| Cash and cash equivalents | $91.0M | $192.9M | ||
| Interest-bearing time deposits | $246.0K | |||
| Available-for-sale-securities (Note 2) | $450.8M | $460.8M | ||
| Stock in FHLB | $10.9M | $9.4M | ||
| Stock in Federal Reserve Bank of St. Louis | $9.2M | $9.1M | ||
| Loans held for sale | $1.8M | $431.0K | ||
| Loans receivable, net of ACL of $54,912 and $51,629 at June 30, 2026 and June 30, 2025, respectively (Note 3) | $4.3B | $4.0B | ||
| Accrued interest receivable | $26.9M | $26.0M | ||
| Premises and equipment, net (Note 4) | $93.2M | $96.0M | ||
| Bank owned life insurance - cash surrender value | $77.1M | $75.7M | ||
| Goodwill | $50.7M | $50.7M | ||
| Other intangible assets, net | $19.9M | $23.0M | ||
| Prepaid expenses and other assets | $68.0M | $26.4M | ||
| TOTAL ASSETS | $5.2B | $5.0B | ||
| Deposits (Note 5) | $4.4B | $4.3B | ||
| Securities sold under agreements to repurchase (Note 6) | $20.0M | $15.0M | ||
| Advances from FHLB (Note 7) | $130.4M | $104.1M | ||
| Accounts payable and other liabilities | $59.9M | $37.1M | ||
| Accrued interest payable | $11.8M | $14.2M | ||
| Subordinated debt (Note 8) | $15.8M | $23.2M | ||
| TOTAL LIABILITIES | $4.6B | $4.5B | ||
| Common stock, $.01 par value; 25,000,000 shares authorized; 12,009,617 and 11,980,887 shares issued at June 30, 2026 and June 30, 2025, respectively | $120.0K | $120.0K | ||
| Additional paid-in capital | $223.6M | $221.3M | ||
| Retained earnings | $420.3M | $359.6M | ||
| Treasury stock of 998,508 and 681,420 shares at June 30, 2026 and June 30, 2025, respectively, at cost | -$43.5M | -$25.0M | ||
| Accumulated other comprehensive loss | -$9.8M | -$11.4M | ||
| TOTAL STOCKHOLDERS' EQUITY | $590.7M | $544.7M | ||
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY | $5.2B | $5.0B | ||
| Loans And Leases Receivable Allowance | $54.9M | $51.6M | $52.5M | $47.8M |
| Common Stock, Par or Stated Value Per Share | $0.01 | $0.01 | ||
| Common Stock, Shares Authorized | 25.0M shares | 25.0M shares | ||
| Common Stock, Shares, Issued | 12.0M shares | 12.0M shares | ||
| Treasury Stock | 998.5K shares | 681.4K shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 3 fiscal years, latest first.2
| Period ending | 2026-06-30 | 2025-06-30 | 2024-06-30 |
|---|---|---|---|
| Net Income | $71.8M | $58.6M | $50.2M |
| Depreciation | $6.5M | $6.5M | $6.0M |
| Loss on disposal of fixed assets | $73.0K | ||
| Stock option and stock grant expense | $1.8M | $1.7M | $1.0M |
| Loss (gain) on sale/write-down of foreclosed property | $77.0K | -$56.0K | $74.0K |
| Amortization of intangible assets | $3.1M | $3.5M | $4.1M |
| Accretion of purchase accounting adjustments | -$2.2M | -$3.9M | -$5.3M |
| Increase in cash surrender value of bank owned life insurance (BOLI) | -$2.6M | -$2.1M | -$1.9M |
| Provision for credit losses | $11.5M | $6.5M | $3.6M |
| (Gain) loss realized on sale of AFS securities | $0 | -$48.0K | $1.5M |
| Net amortization of premiums and discounts on securities | -$778.0K | -$1.5M | -$842.0K |
| Originations of loans held for sale | -$32.1M | -$22.2M | -$21.9M |
| Proceeds from sales of loans held for sale | $31.6M | $23.2M | $22.0M |
| Gain on sales of loans held for sale | -$904.0K | -$751.0K | -$713.0K |
| Gain on sale of investment tax credit | -$305.0K | ||
| Accrued interest receivable | -$850.0K | -$2.2M | -$5.0M |
| Prepaid expenses and other assets | -$6.2M | $6.7M | $8.9M |
| Accounts payable and other liabilities | $3.7M | $6.2M | -$141.0K |
| Deferred income taxes | -$1.3M | $40.0K | $414.0K |
| Accrued interest payable | -$2.4M | $1.3M | $8.1M |
| Net cash provided by operating activities | $80.5M | $81.6M | $70.3M |
| Net increase in loans | -$304.0M | -$254.9M | -$228.4M |
| Net change in interest-bearing deposits | $249.0K | $248.0K | $744.0K |
| Proceeds from maturities of available-for-sale securities | $73.2M | $68.6M | $42.3M |
| Proceeds from sales of available-for-sale securities | $72.0K | $32.2M | |
| Purchases of Federal Home Loan Bank stock | -$17.1M | -$12.1M | -$13.4M |
| Redemptions of Federal Home Loan Bank stock | $15.6M | $11.4M | $16.2M |
| Purchases of Federal Reserve Bank of St. Louis stock | -$42.0K | -$50.0K | -$28.0K |
| Purchases of available-for-sale securities | -$60.3M | -$92.3M | -$79.8M |
| Purchases of long-term investments and other assets | -$375.0K | -$612.0K | -$410.0K |
| Redemptions of long-term investments and other assets | $432.0K | ||
| Purchases of premises and equipment | -$4.0M | -$6.3M | -$9.0M |
| Investments in state & federal tax credits | -$10.2M | -$3.3M | -$7.4M |
| Proceeds from sale of fixed assets | $15.0K | ||
| Proceeds from sale of foreclosed assets | $1.5M | $4.0M | $1.3M |
| Proceeds from sale of investment tax credits | $315.0K | ||
| Proceeds from BOLI claim | $1.1M | ||
| Net cash used in investing activities | -$303.6M | -$285.1M | -$245.7M |
| Net increase (decrease) in demand deposits and savings accounts | $35.0M | $25.2M | -$53.8M |
| Net increase in certificates of deposits | $91.6M | $313.2M | $280.8M |
| Net increase in securities sold under agreements to repurchase | $5.0M | $5.6M | |
| Proceeds from Federal Home Loan Bank advances | $394.3M | $260.0M | $303.2M |
| Repayments of Federal Home Loan Bank advances | -$368.0M | -$258.1M | -$334.8M |
| Repayments of long-term debt | -$7.5M | ||
| Common stock issued | $1.0K | ||
| Exercise of stock options | $460.0K | $391.0K | |
| Purchases of treasury stock | -$18.6M | -$3.9M | |
| Dividends paid on common stock | -$11.1M | -$10.4M | -$9.5M |
| Net cash provided by financing activities | $121.2M | $335.5M | $182.4M |
| (Decrease) increase in cash and cash equivalents | -$101.9M | $132.0M | $6.9M |
| Conversion of loans to foreclosed real estate | $6.3M | $625.0K | $1.4M |
| Conversion of loans to repossessed assets | $417.0K | $98.0K | $209.0K |
| Right of use (ROU) assets obtained in exchange for lease obligations: Operating Leases | $241.0K | $322.0K | $2.3M |
| Termination of lease right of use asset and related lease obligation | $1.4M | ||
| Investment tax credits obtained in exchange for delayed capital contributions | $29.4M | ||
| Investment tax credits obtained in exchange for settlement of loans | $500.0K | ||
| Investment tax credits cancelled in exchange for sale of membership interest | $4.9M | ||
| Interest (net of interest credited) | $7.8M | $8.1M | $7.7M |
| Income taxes | $9.1M | $7.5M | $2.3M |
No quarter-by-quarter statement was filed.
Compare SOUTHERN MISSOURI BANCORP, INC. with another company
Leadership
Who has led SOUTHERN MISSOURI BANCORP, INC., and when. Pick a name to see everywhere that person has worked.
Chief executive
Chief financial officer
2010201520202025
- Chief executive officerGreg A. Steffens May 18, 2017 to now13
- ChairGreg A. Steffens Feb 23, 2023 to now14
- PresidentMatthew T. Funke Jul 21, 2022 to now15
- PresidentGreg A. Steffens Jan 24, 2008 to May 3, 202216
- Chief financial officerLora Lee Daves Feb 23, 2023 to Jul 17, 202317
- Chief financial officerStefan Chkautovich Sep 19, 2023 to now18
- Chief financial officerMatthew T. Funke Nov 1, 2010 to Feb 7, 202219
Board members and other officers (24)
- VP/Principal Accounting OfficeJane Butler Nov 26, 2024 to now20
- Executive Vice PresidentLance K. Greunke Mar 11, 2022 to now21
- EVP, Chief Strategies OfficerBrett Dorton Jan 10, 2019 to now22
- Chief Lending OfficerRichard Windes May 11, 2018 to now23
- EVP, Regional PresidentJustin Cox Feb 2, 2017 to now24
- EVP, Chief Credit OfficerMark E. Hecker Feb 7, 2017 to now25
- Chief Operations OfficerKimberly A. Capps Nov 1, 2010 to now26
- Chief of Credit AdministrationLora Lee Daves Nov 1, 2010 to Feb 7, 202227
- SVP and Chief Lending OfficerWilliam D. Hribovsek Nov 1, 2010 to Dec 19, 201728
- Board memberKenneth J. Bower Oct 27, 2025 to now29
- Board memberWilliam E. Young Jan 24, 2023 to now30
- Board memberDavid L. McClain Oct 28, 2022 to now31
- Board memberJohn R. Abercrombie Jun 21, 2017 to Feb 22, 201832
- Board memberTodd E. Hensley Aug 5, 2014 to now33
- Board memberDavid J. Tooley Nov 4, 2011 to now34
- Board memberSammy A. Schalk Sep 15, 2009 to Feb 20, 202535
- Board memberGreg A. Steffens Jan 24, 2008 to May 3, 202216
- Board memberCharles R. Moffitt Aug 12, 2008 to Oct 15, 201436
- Board memberDennis C. Robison Oct 30, 2008 to now37
- Board memberDouglas Bagby Dec 5, 2008 to now38
- Board memberCharles R. Love Oct 29, 2007 to now39
- Board memberRonnie D. Black Feb 10, 2006 to Feb 22, 201840
- Board memberRebecca J. Brooks Aug 16, 2006 to now41
- General counselMartin Weishaar Oct 15, 2019 to Feb 23, 202342
Former names
- SOUTHERN MISSOURI BANCORP INCMay 14, 1996 to Apr 25, 20173
Timeline
- May 18, 2017New chief executive Greg A. Steffens becomes CEO13
Filings
319 filings to the SEC since October 2021: 6 annual reports, 15 quarterly reports, 70 major events, 150 insider forms, 15 large holders, 63 other. The latest 20:
- Sep 21, 2026ARS EDGAR
- Sep 21, 2026DEF 14A EDGAR
- Sep 11, 202610-K EDGAR
- Sep 10, 20264 EDGAR
- Sep 8, 2026144 EDGAR
- Aug 20, 20264 EDGAR
- Aug 18, 2026144 EDGAR
- Aug 17, 2026144 EDGAR
- Jul 31, 20264 EDGAR
- Jul 27, 20268-K EDGAR
- Jul 22, 20268-K EDGAR
- Jun 9, 20264 EDGAR
- Jun 5, 2026144 EDGAR
- May 29, 20264 EDGAR
- May 22, 20264 EDGAR
- May 21, 2026144 EDGAR
- May 20, 20264 EDGAR
- May 15, 20264 EDGAR
- May 8, 20264 EDGAR
- May 8, 202610-Q EDGAR
The 319 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last three years, summarized. The full record is on SEC EDGAR.
Insider trades and holders
Large holders
Investors who own more than 5% must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively. 15 such filings since October 2021, the latest 10:
- Mar 27, 2026SCHEDULE 13G/A
- Feb 5, 2026SCHEDULE 13G/A
- Nov 5, 2025SCHEDULE 13G/A
- Nov 12, 2024SCHEDULE 13G/A
- Feb 13, 2024SC 13G
- Feb 9, 2024SC 13G/A
- Feb 8, 2024SC 13G/A
- Jan 29, 2024SC 13G
- Mar 8, 2023SC 13G/A
- Feb 23, 2023SC 13G
From Forms 4 and Schedules 13D and 13G filed with the SEC.
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.
13F reports cover disclosed long positions in U.S. stocks only.
Sources
The numbers on this page point here. Each one links to the record it came from.
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- 14SEC EDGARGreg A. Steffens, Chair
- 15SEC EDGARMatthew T. Funke, President
- 16SEC EDGARGreg A. Steffens, President
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- 24SEC EDGARJustin Cox, EVP, Regional President
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- 29SEC EDGARKenneth J. Bower, Board member
- 30SEC EDGARWilliam E. Young, Board member
- 31SEC EDGARDavid L. McClain, Board member
- 32SEC EDGARJohn R. Abercrombie, Board member
- 33SEC EDGARTodd E. Hensley, Board member
- 34SEC EDGARDavid J. Tooley, Board member
- 35SEC EDGARSammy A. Schalk, Board member
- 36SEC EDGARCharles R. Moffitt, Board member
- 37SEC EDGARDennis C. Robison, Board member
- 38SEC EDGARDouglas Bagby, Board member
- 39SEC EDGARCharles R. Love, Board member
- 40SEC EDGARRonnie D. Black, Board member
- 41SEC EDGARRebecca J. Brooks, Board member
- 42SEC EDGARMartin Weishaar, General counsel