Southern Missouri Bancorp (SMBC) Cash Flow: Operating & Free Cash Flow

Southern Missouri Bancorp (SMBC) Cash Flow Statement

In fiscal 2026 (fiscal year ended Jun 30, 2026), Southern Missouri Bancorp generated $80.52M of operating cash flow and spent $3.96M on capital expenditures. That left free cash flow of $76.56M, up 1.7% from $75.29M a year earlier, or 24.2% of revenue. It returned $29.71M to shareholders through $11.13M in dividends and $18.58M in share buybacks.

Southern Missouri Bancorp Cash Flow Statement Analysis

Values in billions USD

Income Statement Balance Sheet Cash Flow Ratios

Scale:

Scroll to see more

Cash flow statement showing operating, investing, and financing activities for Southern Missouri Bancorp, Inc. (SMBC) - Annual data in billions USD
Breakdown	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Jun 2026	Jun 2025	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020	Jun 2019	Jun 2018	Jun 2017
Operating Activities
Net Income	0.07	0.06	0.05	0.04	0.05	0.05	0.03	0.03	0.02	0.02
Depreciation & Amortization	0.00	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.00	0.00
Stock Based Compensation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Change in Working Capital	-0.01	0.01	0.01	0.00	0.01	0.00	0.00	0.01	0.01	0.00
Change in Accounts Receivable	0.00	0.00	0.00	-0.01	0.00	0.00	0.00	0.00	0.00	0.00
Change in Accounts Payable	0.00	0.01	0.01	0.00	0.00	0.00	0.00	0.01	0.00	0.00
Change in Other Working Capital	-0.01	-0.01	0.01	-0.01	0.00	0.00	0.00	0.00	0.01	0.00
Other Operating Activities	0.02	-0.01	0.00	-0.01	0.00	0.00	0.00	0.00	0.00	0.00
Net Cash from Operating Activities	0.08	0.08	0.07	0.06	0.07	0.05	0.04	0.04	0.03	0.03
Investing Activities
Capital Expenditures	0.00	-0.01	-0.01	-0.01	0.00	0.00	0.00	-0.01	0.00	0.00
Acquisitions	0.00	0.00	0.00	0.21	0.05	0.00	-0.01	-0.01	0.00	0.00
Purchases of Investments	0.00	-0.10	-0.09	-0.14	-0.11	-0.11	-0.06	-0.03	-0.05	-0.03
Sales/Maturities of Investments	0.00	0.07	0.07	0.17	0.04	0.07	0.05	0.07	0.04	0.02
Other Investing Activities	-0.30	0.00	-0.22	-0.44	-0.01	0.00	-0.25	-0.13	-0.10	-0.11
Net Cash from Investing Activities	-0.30	-0.29	-0.25	-0.21	-0.30	-0.10	-0.27	-0.11	-0.11	-0.12
Financing Activities
Debt Repayment	0.02	-0.26	-0.03	-1.82	-0.03	-0.12	0.02	-0.05	0.03	-0.07
Common Stock Issued	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.02
Common Stock Repurchased	-0.02	0.00	0.00	0.00	-0.01	-0.01	-0.01	0.00	0.00	0.00
Dividends Paid	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	0.00	0.00	0.00
Other Financing Activities	0.13	0.34	0.23	0.03	0.24	0.15	0.24	0.14	0.05	0.15
Net Cash from Financing Activities	0.12	0.34	0.18	0.12	0.20	0.12	0.25	0.08	0.07	0.11
Summary
Net Change in Cash	0.00	0.13	0.01	-0.03	-0.04	0.07	0.02	0.01	0.00	0.01
Cash at Beginning of Period	0.02	0.06	0.05	0.09	0.12	0.05	0.04	0.03	0.03	0.02
Cash at End of Period	0.01	0.19	0.06	0.05	0.09	0.12	0.05	0.04	0.03	0.03
Free Cash Flow	0.08	0.08	0.06	0.06	0.06	0.05	0.04	0.03	0.03	0.02
Supplemental Disclosures
Income Taxes Paid	-	0.01	0.00	0.00	0.00	0.01	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Southern Missouri Bancorp Cash Flow

What is Southern Missouri Bancorp's free cash flow?

Southern Missouri Bancorp generated free cash flow of $76.56M in fiscal 2026 (fiscal year ended Jun 30, 2026), operating cash flow of $80.52M minus $3.96M of capital expenditures. That was up 1.7% from $75.29M a year earlier. Free cash flow equaled 24.2% of revenue.

How much does Southern Missouri Bancorp spend on capital expenditures?

Southern Missouri Bancorp spent $3.96M on capital expenditures in fiscal 2026, compared with $6.26M a year earlier. That equals 4.9% of operating cash flow.

Does Southern Missouri Bancorp pay dividends or buy back shares?

Yes. In fiscal 2026 Southern Missouri Bancorp returned $11.13M in dividends and $18.58M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition