Southern Missouri Bancorp Inc (SMBC) — Financial Flexibility Index
Southern Missouri Bancorp Inc (SMBC) has a Financial Flexibility Index of -0.01x as of June 2026. Free cash flow of $-31.35 Million (operating CF $-34.25 Million minus capex $2.90 Million) represents 0% of total liabilities ($4.64 Billion). Check SMBC capex plus investments ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Southern Missouri Bancorp Inc Financial Flexibility Index (1995–2026)
Historical Financial Flexibility Index trend for Southern Missouri Bancorp Inc across 32 annual periods. For the full cash flow conversion analysis, see how efficiently does Southern Missouri Bancorp Inc generate cash.
Annual Financial Flexibility Index for Southern Missouri Bancorp Inc (1995–2026)
Year-by-year free cash flow to debt coverage for Southern Missouri Bancorp Inc. Explore Southern Missouri Bancorp Inc (SMBC) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2026 | 0.01x | $32.30 Million | $32.30 Million | $4.64 Billion | ▼ -64.6% |
| 2025 | 0.02x | $87.82 Million | $81.56 Million | $4.47 Billion | ▲ +1.8% |
| 2024 | 0.02x | $79.31 Million | $70.27 Million | $4.12 Billion | ▲ +10.8% |
| 2023 | 0.02x | $68.06 Million | $62.02 Million | $3.91 Billion | ▼ -30.1% |
| 2022 | 0.02x | $71.96 Million | $67.34 Million | $2.89 Billion | ▲ +10.0% |
| 2021 | 0.02x | $54.62 Million | $51.76 Million | $2.42 Billion | ▲ +15.7% |
| 2020 | 0.02x | $44.60 Million | $40.30 Million | $2.28 Billion | ▼ -16.6% |
| 2019 | 0.02x | $46.30 Million | $38.60 Million | $1.98 Billion | ▲ +20.5% |
| 2018 | 0.02x | $32.78 Million | $30.64 Million | $1.69 Billion | ▲ +4.2% |
| 2017 | 0.02x | $28.65 Million | $25.62 Million | $1.53 Billion | ▼ -13.2% |
| 2016 | 0.02x | $27.49 Million | $17.67 Million | $1.28 Billion | ▼ -8.3% |
| 2015 | 0.02x | $27.39 Million | $19.92 Million | $1.17 Billion | ▲ +12.3% |
| 2014 | 0.02x | $19.02 Million | $13.34 Million | $910.31 Million | ▼ -36.4% |
| 2013 | 0.03x | $22.81 Million | $15.26 Million | $694.56 Million | ▲ +82.8% |
| 2012 | 0.02x | $11.58 Million | $7.35 Million | $644.46 Million | ▼ -25.7% |
| 2011 | 0.02x | $15.30 Million | $14.16 Million | $632.47 Million | ▲ +108.1% |
| 2010 | 0.01x | $5.88 Million | $4.75 Million | $506.43 Million | ▼ -33.6% |
| 2009 | 0.02x | $7.41 Million | $6.86 Million | $423.89 Million | ▲ +64.7% |
| 2008 | 0.01x | $4.11 Million | $3.88 Million | $387.35 Million | ▼ -15.0% |
| 2007 | 0.01x | $4.39 Million | $4.04 Million | $351.21 Million | ▼ -36.1% |
| 2006 | 0.02x | $6.34 Million | $4.65 Million | $324.13 Million | ▼ -37.6% |
| 2005 | 0.03x | $9.57 Million | $3.72 Million | $305.36 Million | ▲ +78.8% |
| 2004 | 0.02x | $5.01 Million | $4.49 Million | $285.75 Million | ▼ -19.3% |
| 2003 | 0.02x | $5.52 Million | $4.56 Million | $254.35 Million | ▲ +19.8% |
| 2002 | 0.02x | $4.38 Million | $3.05 Million | $241.78 Million | ▼ -6.1% |
| 2001 | 0.02x | $4.18 Million | $2.54 Million | $216.91 Million | ▲ +0.5% |
| 2000 | 0.02x | $3.13 Million | $2.19 Million | $162.93 Million | ▲ +5.1% |
| 1999 | 0.02x | $2.60 Million | $2.30 Million | $142.40 Million | ▼ -14.1% |
| 1998 | 0.02x | $2.80 Million | $2.40 Million | $131.80 Million | ▲ +23.8% |
| 1997 | 0.02x | $2.30 Million | $1.90 Million | $134.00 Million | ▼ -8.3% |
| 1996 | 0.02x | $2.50 Million | $2.30 Million | $133.60 Million | ▼ -1.3% |
| 1995 | 0.02x | $2.30 Million | $2.10 Million | $121.30 Million | — |