Southern Missouri Bancorp, Inc. (SMBC)

Southern Missouri Bancorp Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Net Income	67.35	58.58	50.18	39.24	47.17	47.18
Depreciation & Amortization	9.75	10.02	10.09	7.56	5.92	5.42
Gain (Loss) on Sale of Assets	0.05	0.02	0.07	-0.49	0.46	0.14
Gain (Loss) on Sale of Investments	-0.97	-1.56	0.65	0.78	1.2	1.54
Provision for Credit Losses	10.76	6.52	3.6	17.06	1.49	-1.02
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.29	1	0.19	0.13	1.2	0.64
Accrued Interest Receivable	-2.31	-2.19	-4.96	-5.4	-0.39	2.04
Change in Accounts Payable	3.41	6.22	-0.14	0.58	5.02	-0.05
Change in Other Net Operating Assets	7.1	6.68	8.94	5.45	9.68	1.79
Other Operating Activities	-5.02	-6.01	-7.24	-5.25	-2.73	-3.3
Operating Cash Flow	93.87	81.56	70.27	62.02	67.34	51.76
Operating Cash Flow Growth	35.15%	16.07%	13.29%	-7.90%	30.10%	28.44%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Capital Expenditures	-3.93	-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	31.12	-23.96	-4.94	41.08	-57.54	-34.1
Net Decrease (Increase) in Loans Originated / Sold - Investing	-308.04	-254.93	-228.44	-447.21	-281.54	-62.86
Other Investing Activities	-3.47	0.04	-3.32	-13.3	-9.92	-2.68
Investing Cash Flow	-284.32	-285.11	-245.74	-213.41	-303.93	-101.92

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Short-Term Debt Issued	-	5.6	-	-	-	-
Long-Term Debt Issued	-	260	303.2	1,914	-	110.1
Total Debt Issued	40.2	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	-34.26	-258.05	-334.75	-1,846	-29.3	-122.65
Net Debt Issued (Repaid)	5.95	7.55	-31.55	67.82	-29.3	-12.55
Issuance of Common Stock	0.32	-	0.39	-	-	-
Repurchase of Common Stock	-18.29	-	-3.86	-	-5.84	-8.34
Common Dividends Paid	-10.98	-10.38	-9.53	-8.63	-7.19	-5.6
Total Dividends Paid	-10.98	-10.38	-9.53	-8.63	-7.19	-5.6
Net Increase (Decrease) in Deposit Accounts	79.6	338.34	226.94	59.36	242.14	145.99
Financing Cash Flow	56.6	335.51	182.39	118.55	199.8	119.5

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Net Cash Flow	-133.85	131.96	6.93	-32.83	-36.78	69.35

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Free Cash Flow	89.94	75.29	61.22	55.98	62.73	48.91
Free Cash Flow Growth	43.34%	22.99%	9.35%	-10.75%	28.26%	35.86%
Free Cash Flow Margin	48.43%	42.76%	38.09%	41.20%	50.88%	42.99%
Free Cash Flow Per Share	8.03	6.69	5.42	5.52	6.96	5.43

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Cash Income Tax Paid	10.63	7.53	2.3	4.31	0.36	9.24

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: May 8, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 2, 2026

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