SMBC FINANCIAL STATEMENTS

Southern Missouri Bancorp Inc — balance sheet, income statement and cash flow trends

SMBCSouthern Missouri Bancorp Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue314.5 M $+4.9%

Gross Profit187.3 M $+8.3%

Operating Income84.9 M $+18.2%

EBITDA93 M $+13.5%

Net Income67.3 M $+19.7%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
SMBC	—	—	—	21.4%
LLOY	—	—	—	25.9%
SKBNK	—	—	—	14.2%
NWG	—	—	—	20.1%
TSKB	—	—	—	54.9%
LB	—	—	—	1.4%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity573.5 M $11%
Current Liabilities4.4 B $85%
Long-term Liabilities207 M $4%

Key Figures

YoY change

Total Assets5.1 B $+3.3%

Total Liabilities4.6 B $+2.7%

Total Equity573.5 M $+8.5%

Cash & ST Investments532.4 M $+33.5%

Total Debt148.3 M $+4.2%

Net Debt55 M $—

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
SMBC	0.12	25.9%	-4.13	11.2%
LLOY	0.12	209.8%	5.39	5.0%
SKBNK	—	0.0%	-13.41	5.9%
NWG	0.25	17.0%	-14.68	5.2%
TSKB	—	0.0%	-0.47	13.4%
LB	0.01	744.5%	280.57	5.3%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
SMBC	0.12	25.9%	-4.13	11.2%
EGBN	10.43	9.7%	-0.64	11.5%
PGC	0.05	15.2%	-2.71	9.1%
CCBG	0.12	12.0%	-4.40	12.6%
FCBC	275.91	0.6%	-12.47	14.3%
MPB	0.07	5.8%	-4.79	12.7%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow93.9 M $+35.2%

Capital Expenditures3.9 M $-41.4%

Free Cash Flow89.9 M $+43.3%

Dividends Paid-11 M $-208.0%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
SMBC	29.9%	28.6%	1.2%	139.4%
LLOY	—	—	0.0%	—
SKBNK	14.2%	31.2%	17.0%	100.0%
NWG	—	—	0.0%	—
TSKB	54.9%	71.9%	17.0%	100.0%
LB	-1.8%	-3.5%	1.7%	-134.2%
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
SMBC	29.9%	28.6%	1.2%	139.4%
EGBN	0.0%	-1.3%	1.3%	-0.2%
PGC	16.6%	13.9%	2.7%	172.3%
CCBG	36.3%	34.0%	2.4%	164.9%
FCBC	21.8%	19.3%	2.5%	77.9%
MPB	27.0%	25.0%	2.0%	184.3%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

Go deeper on SMBC

Run a DCF valuation

Full DCF model with editable assumptions

Start a head-to-head duel

Compare two stocks metric by metric

Filter in the stock screener

Build your own universe with 400+ metrics

Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.