Southern Missouri Bancorp (SMBC) Financial Ratios

For fiscal 2026 (fiscal year ended Jun 30, 2026), Southern Missouri Bancorp had a P/E ratio of 11.74 (up from 10.62), return on equity of 12.7% (up from 11.3%), debt-to-equity of 0.29 (up from 0.28) and return on assets of 1.4% (up from 1.2%). Its dividend yield was 1.31% with a payout ratio of 15.5%.

Southern Missouri Bancorp Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period ending	Jun 2026	Jun 2025	Jun 2024	Jun 2023	Jun 2022	Jun 2021
Valuation Ratios
P/E Ratio	11.74	10.62	10.24	11.16	8.97	8.54
Forward P/E	11.59	10.38	10.54	9.07	8.30	11.41
P/S Ratio	4.44	3.52	3.18	3.21	3.42	3.53
P/B Ratio	1.42	1.14	1.05	0.98	1.31	1.42
Price/Tangible Book	1.61	1.31	1.23	1.19	1.46	1.52
Price/FCF	10.96	8.22	8.35	7.78	6.72	8.21
Price/OCF	10.43	7.59	7.27	7.02	6.26	7.76
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	12.66%	11.34%	10.74%	10.23%	15.61%	17.42%
Return on Assets (ROA)	1.40%	1.22%	1.12%	1.04%	1.60%	1.80%
Leverage & Solvency Ratios
Debt/Equity	0.29	0.28	0.29	0.36	0.20	0.27
Debt/FCF	2.26	1.99	2.31	2.91	1.03	1.54
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	8.56%	9.46%	9.82%	9.01%	11.20%	11.75%
FCF Yield	9.12%	12.16%	11.98%	12.85%	14.89%	12.18%
Dividend Yield	1.31%	1.68%	1.85%	2.19%	1.75%	1.51%
Payout Ratio	15.50%	17.72%	18.98%	22.00%	15.25%	11.87%
Buyback Yield	1.13%	0.38%	-11.43%	-12.55%	0.00%	2.05%
Total Return	2.44%	2.06%	-9.58%	-10.36%	1.75%	3.56%

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 Financial Ratios

What is Southern Missouri Bancorp's P/E ratio?

Southern Missouri Bancorp's P/E ratio was 11.74 for fiscal 2026 (period ended Jun 30, 2026). It was 10.62 a year earlier.

What is Southern Missouri Bancorp's return on equity?

Southern Missouri Bancorp's return on equity (ROE) was 12.7% for fiscal 2026 (period ended Jun 30, 2026). It was 11.3% a year earlier.

What is Southern Missouri Bancorp's debt-to-equity ratio?

Southern Missouri Bancorp's debt-to-equity ratio was 0.29 for fiscal 2026 (period ended Jun 30, 2026). It was 0.28 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition