Southern Missouri Bancorp Inc (SMBC) — Defensive Interval Ratio
Southern Missouri Bancorp Inc (SMBC) has a Defensive Interval Ratio of 394 days as of March 2026. Defensive assets of $4.71 Billion (cash $-, short-term investments $439.12 Million, receivables $4.27 Billion) cover 394 days of daily cash needs of $11.95 Million/day. See SMBC current assets to equity ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Southern Missouri Bancorp Inc Defensive Interval Ratio (1995–2025)
This chart shows how Southern Missouri Bancorp Inc's Defensive Interval Ratio has evolved across 31 annual periods from 1995 to 2025. As of March 2026, the ratio stands at 394 days, meaning defensive assets of $4.71 Billion can fund 394 days of operations without new revenue. See Southern Missouri Bancorp Inc balance sheet quality to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Southern Missouri Bancorp Inc (1995–2025)
The table below presents the year-by-year Defensive Interval Ratio for Southern Missouri Bancorp Inc from 1995 to 2025, covering 31 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see SMBC market cap overview.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (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 | $- | $- | — |