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. Check Southern Missouri Bancorp Inc tangible book value ratio to evaluate the tangible quality of 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. Also explore net asset momentum of Southern Missouri Bancorp Inc to track the company's year-over-year net asset growth rate.
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 | $- | $- | — |