Southern Missouri Bancorp, Inc. (SMBC)

Southern Missouri Bancorp Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Net Income	65.27	58.58	50.18	39.24	47.17	47.18
Depreciation & Amortization	9.96	10.02	10.09	7.56	5.92	5.42
Provision for Credit Losses	9.61	6.52	3.6	17.06	1.49	-1.02
Stock-Based Compensation	1.23	1.67	1.03	0.84	0.7	0.55
Net Change in Loans Held-for-Sale	-1.21	0.25	-0.53	-0.75	-0.4	-3.34
Other Adjustments	-6.77	-7.55	-6.52	-4.97	-1.07	-1.62
Changes in Accrued Interest and Accounts Receivable	-4.52	-2.19	-4.96	-5.4	-0.39	2.04
Changes in Accounts Payable	-0.61	1.32	8.15	3.39	-0.15	-0.87
Changes in Accrued Expenses	4.91	6.22	-0.14	0.58	5.02	-0.05
Changes in Other Operating Activities	7.49	6.72	9.36	4.48	9.06	3.47
Operating Cash Flow	88.98	81.56	70.27	62.02	67.34	51.76
Operating Cash Flow Growth	28.50%	16.07%	13.29%	-7.90%	30.10%	28.44%
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	-	0.25	0.74	1.23	-1.49	-0.01
Net Change in Loans Held-for-Investment	-207.45	-254.93	-228.44	-447.21	-281.54	-62.86
Net Change in Securities and Investments	13.9	-24.9	-2.88	32.11	-56.12	-34.24
Proceeds from Business Divestments	-	-	-	208.34	48.77	-
Capital Expenditures	-4.85	-6.26	-9.05	-6.04	-4.62	-2.86
Sale of Property, Plant & Equipment	2.4	4.01	1.28	5.77	2.35	2.02
Other Investing Activities	-2.72	-3.27	-7.38	-7.6	-11.28	-3.97
Investing Cash Flow	-179.16	-285.11	-245.74	-213.41	-303.93	-101.92
Net Change in Deposits	97.76	338.34	226.94	59.36	242.14	145.99
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	4.5	5.6	-	-27.63	-	-
Long-Term Debt Issued	1.95	260	303.2	1,914	-	110.1
Long-Term Debt Repaid	-6.35	-258.05	-334.75	-1,818	-29.3	-122.65
Net Long-Term Debt Issued (Repaid)	-4.4	1.95	-31.55	95.45	-29.3	-12.55
Issuance of Common Stock	-	-	0.39	-	-	-
Repurchase of Common Stock	-8.5	-	-3.86	-	-5.84	-8.34
Net Common Stock Issued (Repurchased)	-8.5	-	-3.47	-	-5.84	-8.34
Common Dividends Paid	-10.8	-10.38	-9.53	-8.63	-7.19	-5.6
Financing Cash Flow	78.41	335.51	182.39	118.55	199.8	119.5
Net Cash Flow	-11.77	131.96	6.93	-32.83	-36.78	69.35
Free Cash Flow	84.13	75.29	61.22	55.98	62.73	48.91
Free Cash Flow Growth	11.74%	22.99%	9.35%	-10.75%	28.26%	35.86%
FCF Margin	46.03%	42.76%	38.09%	41.20%	50.88%	42.99%
Free Cash Flow Per Share	7.48	6.69	5.42	5.52	6.96	5.43
Levered Free Cash Flow	23.68	76.35	32.08	139.24	32.72	41.79
Unlevered Free Cash Flow	12.37	15.82	13.45	4.56	14.85	7.16

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q