Southern Missouri Bancorp Inc
Southern Missouri Bancorp, Inc. operates as the bank holding company for Southern Bank that provides banking and financial services to individuals and corporate customers in the United States. The company offers deposits products, including interest-bearing and noninterest-bearing transaction accounts, money market deposit accounts, saving accounts, certificates of deposit, and retirement savings… Read more
Southern Missouri Bancorp Inc (SMBC) - Net Assets
Latest net assets as of December 2025: $567.36 Million USD
Based on the latest financial reports, Southern Missouri Bancorp Inc (SMBC) has net assets worth $567.36 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($5.09 Billion) and total liabilities ($4.53 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $567.36 Million |
| % of Total Assets | 11.14% |
| Annual Growth Rate | 10.53% |
| 5-Year Change | 92.18% |
| 10-Year Change | 332.41% |
| Growth Volatility | 16.27 |
Southern Missouri Bancorp Inc - Net Assets Trend (1995–2025)
This chart illustrates how Southern Missouri Bancorp Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Southern Missouri Bancorp Inc (1995–2025)
The table below shows the annual net assets of Southern Missouri Bancorp Inc from 1995 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-06-30 | $544.69 Million | +11.45% |
| 2024-06-30 | $488.75 Million | +9.57% |
| 2023-06-30 | $446.06 Million | +39.06% |
| 2022-06-30 | $320.77 Million | +13.18% |
| 2021-06-30 | $283.42 Million | +9.71% |
| 2020-06-30 | $258.35 Million | +8.37% |
| 2019-06-30 | $238.39 Million | +18.78% |
| 2018-06-30 | $200.69 Million | +15.95% |
| 2017-06-30 | $173.08 Million | +37.40% |
| 2016-06-30 | $125.97 Million | -5.03% |
| 2015-06-30 | $132.64 Million | +19.38% |
| 2014-06-30 | $111.11 Million | +9.11% |
| 2013-06-30 | $101.83 Million | +7.50% |
| 2012-06-30 | $94.73 Million | +69.97% |
| 2011-06-30 | $55.73 Million | +22.09% |
| 2010-06-30 | $45.65 Million | +8.67% |
| 2009-06-30 | $42.01 Million | +37.86% |
| 2008-06-30 | $30.47 Million | +6.12% |
| 2007-06-30 | $28.71 Million | +8.13% |
| 2006-06-30 | $26.55 Million | +6.20% |
| 2005-06-30 | $25.00 Million | -3.66% |
| 2004-06-30 | $25.95 Million | +3.36% |
| 2003-06-30 | $25.11 Million | +2.44% |
| 2002-06-30 | $24.51 Million | +3.94% |
| 2001-06-30 | $23.58 Million | +9.91% |
| 2000-06-30 | $21.46 Million | -5.06% |
| 1999-06-30 | $22.60 Million | -6.22% |
| 1998-06-30 | $24.10 Million | -8.71% |
| 1997-06-30 | $26.40 Million | +0.76% |
| 1996-06-30 | $26.20 Million | -2.96% |
| 1995-06-30 | $27.00 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Southern Missouri Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 3026.7% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (June 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $359.58 Million | 66.01% |
| Common Stock | $120.00K | 0.02% |
| Other Comprehensive Income | $-11.38 Million | -2.09% |
| Other Components | $196.37 Million | 36.05% |
| Total Equity | $544.69 Million | 100.00% |
Southern Missouri Bancorp Inc Competitors by Market Cap
The table below lists competitors of Southern Missouri Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Start Group
SHG:600734
|
$575.42 Million |
|
Xi'an Manareco New Materials Co.Ltd
SHG:688550
|
$575.54 Million |
|
Meren Energy
ST:MER
|
$575.75 Million |
|
Changzhou NRB Corp
SHE:002708
|
$575.76 Million |
|
Avanos Medical Inc
NYSE:AVNS
|
$574.89 Million |
|
AKTR
AT:AKTR
|
$574.05 Million |
|
Ronglian Group Ltd
SHE:002642
|
$574.03 Million |
|
A-Zenith Home Furnishings Co Ltd
SHG:603389
|
$573.56 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Southern Missouri Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 488,748,000 to 544,692,000, a change of 55,944,000 (11.4%).
- Net income of 58,315,000 contributed positively to equity growth.
- Dividend payments of 10,378,000 reduced retained earnings.
- Other comprehensive income increased equity by 6,077,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $58.31 Million | +10.71% |
| Dividends Paid | $10.38 Million | -1.91% |
| Other Comprehensive Income | $6.08 Million | +1.12% |
| Other Changes | $1.93 Million | +0.35% |
| Total Change | $- | 11.45% |
Book Value vs Market Value Analysis
This analysis compares Southern Missouri Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.27x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 14.15x to 1.27x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1995-06-30 | $4.33 | $61.28 | x |
| 1996-06-30 | $3.93 | $61.28 | x |
| 1997-06-30 | $4.02 | $61.28 | x |
| 1998-06-30 | $3.67 | $61.28 | x |
| 1999-06-30 | $4.24 | $61.28 | x |
| 2000-06-30 | $4.14 | $61.28 | x |
| 2001-06-30 | $4.76 | $61.28 | x |
| 2002-06-30 | $5.04 | $61.28 | x |
| 2003-06-30 | $5.23 | $61.28 | x |
| 2004-06-30 | $5.54 | $61.28 | x |
| 2005-06-30 | $6.00 | $61.28 | x |
| 2006-06-30 | $5.91 | $61.28 | x |
| 2007-06-30 | $6.34 | $61.28 | x |
| 2008-06-30 | $6.89 | $61.28 | x |
| 2009-06-30 | $9.89 | $61.28 | x |
| 2010-06-30 | $10.84 | $61.28 | x |
| 2011-06-30 | $13.02 | $61.28 | x |
| 2012-06-30 | $16.39 | $61.28 | x |
| 2013-06-30 | $15.08 | $61.28 | x |
| 2014-06-30 | $16.34 | $61.28 | x |
| 2015-06-30 | $17.67 | $61.28 | x |
| 2016-06-30 | $16.89 | $61.28 | x |
| 2017-06-30 | $23.04 | $61.28 | x |
| 2018-06-30 | $22.92 | $61.28 | x |
| 2019-06-30 | $25.90 | $61.28 | x |
| 2020-06-30 | $28.08 | $61.28 | x |
| 2021-06-30 | $31.45 | $61.28 | x |
| 2022-06-30 | $35.60 | $61.28 | x |
| 2023-06-30 | $39.37 | $61.28 | x |
| 2024-06-30 | $43.25 | $61.28 | x |
| 2025-06-30 | $48.35 | $61.28 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Southern Missouri Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 10.71%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 19.10%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 9.22x
- Recent ROE (10.71%) is above the historical average (9.61%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1995 | 4.44% | 11.76% | 0.07x | 5.49x | $-1.50 Million |
| 1996 | 5.73% | 12.93% | 0.07x | 6.10x | $-1.12 Million |
| 1997 | 4.17% | 9.17% | 0.07x | 6.08x | $-1.54 Million |
| 1998 | 4.56% | 9.02% | 0.08x | 6.47x | $-1.31 Million |
| 1999 | 7.08% | 12.60% | 0.08x | 7.30x | $-660.00K |
| 2000 | 6.15% | 10.23% | 0.07x | 8.59x | $-825.49K |
| 2001 | 6.57% | 8.79% | 0.07x | 10.20x | $-809.65K |
| 2002 | 9.42% | 12.92% | 0.07x | 10.86x | $-142.22K |
| 2003 | 10.91% | 15.37% | 0.06x | 11.13x | $227.37K |
| 2004 | 11.11% | 16.40% | 0.06x | 12.01x | $287.66K |
| 2005 | 0.42% | 0.53% | 0.06x | 13.21x | $-2.40 Million |
| 2006 | 10.48% | 12.37% | 0.06x | 13.21x | $128.74K |
| 2007 | 10.20% | 11.37% | 0.07x | 13.23x | $56.99K |
| 2008 | 11.86% | 13.03% | 0.07x | 13.71x | $565.84K |
| 2009 | 9.13% | 13.80% | 0.06x | 11.09x | $-365.76K |
| 2010 | 10.13% | 15.10% | 0.06x | 12.09x | $60.67K |
| 2011 | 20.58% | 30.10% | 0.06x | 12.35x | $5.90 Million |
| 2012 | 10.66% | 23.78% | 0.06x | 7.80x | $625.19K |
| 2013 | 9.89% | 25.05% | 0.05x | 7.82x | $-115.94K |
| 2014 | 9.07% | 22.16% | 0.04x | 9.19x | $-1.03 Million |
| 2015 | 10.30% | 21.72% | 0.05x | 9.80x | $403.70K |
| 2016 | 11.79% | 22.81% | 0.05x | 11.15x | $2.25 Million |
| 2017 | 8.99% | 21.77% | 0.04x | 9.87x | $-1.76 Million |
| 2018 | 10.43% | 23.37% | 0.05x | 9.40x | $859.60K |
| 2019 | 12.12% | 26.14% | 0.05x | 9.29x | $5.06 Million |
| 2020 | 10.66% | 22.61% | 0.05x | 9.84x | $1.71 Million |
| 2021 | 16.65% | 36.43% | 0.05x | 9.53x | $18.84 Million |
| 2022 | 14.70% | 34.16% | 0.04x | 10.02x | $15.09 Million |
| 2023 | 8.80% | 19.36% | 0.05x | 9.77x | $-5.37 Million |
| 2024 | 10.27% | 18.37% | 0.06x | 9.42x | $1.31 Million |
| 2025 | 10.71% | 19.10% | 0.06x | 9.22x | $3.85 Million |
Industry Comparison
This section compares Southern Missouri Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Southern Missouri Bancorp Inc (SMBC) | $567.36 Million | 4.44% | 7.98x | $575.34 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |