Southern Missouri Bancorp Inc (SMBC) — Defensive Interval Ratio
Southern Missouri Bancorp Inc (SMBC) has a Defensive Interval Ratio of 394 days as of June 2026. Defensive assets of $4.79 Billion (cash $-, short-term investments $450.77 Million, receivables $4.34 Billion) cover 394 days of daily cash needs of $12.16 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Southern Missouri Bancorp Inc Defensive Interval Ratio (1995–2026)
This chart shows how Southern Missouri Bancorp Inc's Defensive Interval Ratio has evolved across 32 annual periods from 1995 to 2026. As of June 2026, the ratio stands at 394 days, meaning defensive assets of $4.79 Billion can fund 394 days of operations without new revenue. For the complete balance sheet picture, see Southern Missouri Bancorp Inc total assets.
Annual Defensive Interval Ratio for Southern Missouri Bancorp Inc (1995–2026)
The table below presents the year-by-year Defensive Interval Ratio for Southern Missouri Bancorp Inc from 1995 to 2026, covering 32 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See Southern Missouri Bancorp Inc working capital to net assets to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2026 | 395 days | $4.79 Billion | $12.13 Million/day | $- | $450.77 Million | ▲ +13 days |
| 2025 | 382 days | $4.51 Billion | $11.81 Million/day | $- | $460.84 Million | ▲ +340 days |
| 2024 | 42 days | $451.73 Million | $10.86 Million/day | $- | $427.90 Million | ▼ -1 days |
| 2023 | 43 days | $436.43 Million | $10.22 Million/day | $- | $417.55 Million | ▲ +11 days |
| 2022 | 32 days | $246.43 Million | $7.71 Million/day | $- | $235.38 Million | ▼ -2 days |
| 2021 | 34 days | $217.10 Million | $6.39 Million/day | $- | $207.02 Million | ▲ +2 days |
| 2020 | 31 days | $188.64 Million | $5.99 Million/day | $- | $176.52 Million | ▼ -2 days |
| 2019 | 34 days | $175.72 Million | $5.21 Million/day | $- | $165.53 Million | ▼ -2 days |
| 2018 | 36 days | $154.32 Million | $4.34 Million/day | $- | $146.32 Million | ▼ -121245 days |
| 2017 | 121280 days | $151.19 Million | $1.25K/day | $- | $144.42 Million | ▲ +121237 days |
| 2016 | 43 days | $134.74 Million | $3.15 Million/day | $- | $129.22 Million | ▼ -3 days |
| 2015 | 45 days | $134.76 Million | $2.97 Million/day | $- | $129.59 Million | ▼ -13056 days |
| 2014 | 13102 days | $134.62 Million | $10.28K/day | $- | $130.22 Million | ▲ +13055 days |
| 2013 | 46 days | $83.98 Million | $1.81 Million/day | $- | $80.01 Million | ▼ -1 days |
| 2012 | 47 days | $78.82 Million | $1.67 Million/day | $- | $75.13 Million | ▲ +44 days |
| 2011 | 3 days | $4.59 Million | $1.62 Million/day | $- | $792.00K | ▼ 0 days |
| 2010 | 3 days | $4.13 Million | $1.25 Million/day | $- | $1.09 Million | ▲ +0 days |
| 2009 | 3 days | $2.65 Million | $927.01K/day | $- | $- | ▼ -3 days |
| 2008 | 6 days | $4.99 Million | $865.98K/day | $- | $1.98 Million | ▲ +3 days |
| 2007 | 3 days | $2.25 Million | $794.51K/day | $- | $- | ▲ +0 days |
| 2006 | 3 days | $1.96 Million | $742.23K/day | $- | $- | ▲ +1 days |
| 2005 | 2 days | $1.39 Million | $677.09K/day | $- | $- | ▼ 0 days |
| 2004 | 2 days | $1.36 Million | $623.38K/day | $- | $- | ▼ 0 days |
| 2003 | 2 days | $1.27 Million | $550.26K/day | $- | $- | ▼ -1 days |
| 2002 | 3 days | $1.56 Million | $533.17K/day | $- | $- | ▼ 0 days |
| 2001 | 3 days | $1.60 Million | $492.14K/day | $- | $- | ▼ -474 days |
| 2000 | 477 days | $164.18 Million | $344.11K/day | $- | $163.03 Million | ▲ +474 days |
| 1999 | 3 days | $1.00 Million | $334.79K/day | $- | $- | ▲ +0 days |
| 1998 | 3 days | $900.00K | $305.48K/day | $- | $- | ▼ 0 days |
| 1997 | 3 days | $1.10 Million | $366.03K/day | $- | $- | ▼ 0 days |
| 1996 | 3 days | $1.10 Million | $365.21K/day | $- | $- | ▼ -1 days |
| 1995 | 4 days | $1.20 Million | $329.86K/day | $- | $- | — |