Southern Missouri Bancorp, Inc. (SMBC)

Southern Missouri Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is July - June.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Net Income	58.58	50.18	39.24	47.17	47.18
Depreciation & Amortization	10.02	10.09	7.56	5.92	5.42
Gain (Loss) on Sale of Assets	0.02	0.07	-0.49	0.46	0.14
Gain (Loss) on Sale of Investments	-1.56	0.65	0.78	1.2	1.54
Provision for Credit Losses	6.52	3.6	17.06	1.49	-1.02
Net Decrease (Increase) in Loans Originated / Sold - Operating	1	0.19	0.13	1.2	0.64
Accrued Interest Receivable	-2.19	-4.96	-5.4	-0.39	2.04
Change in Accounts Payable	6.22	-0.14	0.58	5.02	-0.05
Change in Other Net Operating Assets	6.68	8.94	5.45	9.68	1.79
Other Operating Activities	-6.01	-7.24	-5.25	-2.73	-3.3
Operating Cash Flow	81.56	70.27	62.02	67.34	51.76
Operating Cash Flow Growth	16.07%	13.29%	-7.90%	30.10%	28.44%
Capital Expenditures	-6.26	-9.05	-6.04	-4.62	-2.86
Sale of Property, Plant and Equipment	-	0.02	3.72	0.93	0.58
Cash Acquisitions	-	-	208.34	48.77	-
Investment in Securities	-23.96	-4.94	41.08	-57.54	-34.1
Net Decrease (Increase) in Loans Originated / Sold - Investing	-254.93	-228.44	-447.21	-281.54	-62.86
Other Investing Activities	0.04	-3.32	-13.3	-9.92	-2.68
Investing Cash Flow	-285.11	-245.74	-213.41	-303.93	-101.92
Short-Term Debt Issued	5.6	-	-	-	-
Long-Term Debt Issued	260	303.2	1,914	-	110.1
Total Debt Issued	265.6	303.2	1,914	-	110.1
Short-Term Debt Repaid	-	-	-27.63	-	-
Long-Term Debt Repaid	-258.05	-334.75	-1,818	-29.3	-122.65
Total Debt Repaid	-258.05	-334.75	-1,846	-29.3	-122.65
Net Debt Issued (Repaid)	7.55	-31.55	67.82	-29.3	-12.55
Issuance of Common Stock	-	0.39	-	-	-
Repurchase of Common Stock	-	-3.86	-	-5.84	-8.34
Common Dividends Paid	-10.38	-9.53	-8.63	-7.19	-5.6
Total Dividends Paid	-10.38	-9.53	-8.63	-7.19	-5.6
Net Increase (Decrease) in Deposit Accounts	338.34	226.94	59.36	242.14	145.99
Financing Cash Flow	335.51	182.39	118.55	199.8	119.5
Net Cash Flow	131.96	6.93	-32.83	-36.78	69.35
Free Cash Flow	75.29	61.22	55.98	62.73	48.91
Free Cash Flow Growth	22.99%	9.35%	-10.75%	28.26%	35.86%
Free Cash Flow Margin	42.76%	38.09%	41.20%	50.88%	42.99%
Free Cash Flow Per Share	6.69	5.42	5.52	6.96	5.43
Cash Income Tax Paid	7.53	2.3	4.31	0.36	9.24

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q