Southern Missouri Bancorp Inc (SMBC) — Cash Flow Quality Index
Southern Missouri Bancorp Inc (SMBC) has a Cash Flow Quality Index of -1.69x as of June 2026. Operating cash flow of $-34.25 Million is below net income of $20.28 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore SMBC operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Southern Missouri Bancorp Inc Cash Flow Quality Index (1995–2026)
Historical Cash Flow Quality Index for Southern Missouri Bancorp Inc across 32 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Southern Missouri Bancorp Inc (SMBC) cash conversion ratio.
Annual Cash Flow Quality Index for Southern Missouri Bancorp Inc (1995–2026)
Year-by-year earnings quality comparison for Southern Missouri Bancorp Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2026 | 0.45x | $32.30 Million | $71.84 Million | ▼ -67.7% |
| 2025 | 1.39x | $81.56 Million | $58.58 Million | ▼ -0.6% |
| 2024 | 1.40x | $70.27 Million | $50.18 Million | ▼ -11.4% |
| 2023 | 1.58x | $62.02 Million | $39.24 Million | ▲ +10.7% |
| 2022 | 1.43x | $67.34 Million | $47.17 Million | ▲ +30.1% |
| 2021 | 1.10x | $51.76 Million | $47.18 Million | ▼ -25.0% |
| 2020 | 1.46x | $40.30 Million | $27.55 Million | ▲ +9.6% |
| 2019 | 1.34x | $38.60 Million | $28.90 Million | ▼ -8.8% |
| 2018 | 1.46x | $30.64 Million | $20.93 Million | ▼ -11.1% |
| 2017 | 1.65x | $25.62 Million | $15.55 Million | ▲ +38.4% |
| 2016 | 1.19x | $17.67 Million | $14.85 Million | ▼ -18.3% |
| 2015 | 1.46x | $19.92 Million | $13.67 Million | ▲ +10.1% |
| 2014 | 1.32x | $13.34 Million | $10.08 Million | ▼ -12.7% |
| 2013 | 1.52x | $15.26 Million | $10.07 Million | ▲ +108.2% |
| 2012 | 0.73x | $7.35 Million | $10.10 Million | ▼ -41.0% |
| 2011 | 1.23x | $14.16 Million | $11.47 Million | ▲ +20.1% |
| 2010 | 1.03x | $4.75 Million | $4.63 Million | ▼ -42.5% |
| 2009 | 1.79x | $6.86 Million | $3.84 Million | ▲ +66.6% |
| 2008 | 1.07x | $3.88 Million | $3.61 Million | ▼ -22.2% |
| 2007 | 1.38x | $4.04 Million | $2.93 Million | ▼ -17.3% |
| 2006 | 1.67x | $4.65 Million | $2.78 Million | ▼ -95.3% |
| 2005 | 35.68x | $3.72 Million | $104.26K | ▲ +2193.3% |
| 2004 | 1.56x | $4.49 Million | $2.88 Million | ▼ -6.7% |
| 2003 | 1.67x | $4.56 Million | $2.74 Million | ▲ +26.1% |
| 2002 | 1.32x | $3.05 Million | $2.31 Million | ▼ -19.3% |
| 2001 | 1.64x | $2.54 Million | $1.55 Million | ▼ -1.4% |
| 2000 | 1.66x | $2.19 Million | $1.32 Million | ▲ +15.6% |
| 1999 | 1.44x | $2.30 Million | $1.60 Million | ▼ -34.1% |
| 1998 | 2.18x | $2.40 Million | $1.10 Million | ▲ +26.3% |
| 1997 | 1.73x | $1.90 Million | $1.10 Million | ▲ +12.6% |
| 1996 | 1.53x | $2.30 Million | $1.50 Million | ▼ -12.4% |
| 1995 | 1.75x | $2.10 Million | $1.20 Million | — |