SMBCSOUTHERN MISSOURI BANCORP, INC.
Savings Institutions, Not Federally Chartered
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- $779M
- Employees
- 711
- Net debt / EBITDA
- —
- AI in 10-K
- 0.1
- mentions per 10K words
Takeover score 2 of 13
Fixable underperformance 0 of 7
- TSR below peersNo0 of 5 years3+ of last 5 years
- High CEO pay despite TSRNo$661K medianMedian CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo112% of net incomeCash flow under 80% of net income
- Dilutive SBCNo—Over 10% of revenue
- Payouts exceed cash flowNo14% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo1% of assetsOver 40% of assets
- Shareholder dissentNo98% lowest supportAny vote under 80% support
Buyer economics 2 of 4
- Low revenue per employeeNo—Bottom quartile of its SIC industry
- Quiet on AIYes0.1 per 10K words · 9th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedYes$779M market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo−$2M netNet sales over $10M in 12 months
Financials
| Metric | FY2022 | FY2023 | FY2024 | FY2025 | FY2026 | YoY |
|---|---|---|---|---|---|---|
| Net income | $47M | $39M | $50M | $59M | $72M | 23% |
| Operating cash flow | $67M | $62M | $70M | $82M | $81M | 1.3% |
| Capex | $5M | $6M | $9M | $6M | $4M | 37% |
| Dividends | $7M | $9M | $10M | $10M | $11M | 7.3% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $2M · 11
- Net
- −$2M
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2026 | $756K | $997K | 185 | 151 |
| FY2025 | $691K | $791K | 131 | 115 |
| FY2024 | $654K | $785K | 106 | 94 |
| FY2023 | $661K | $573K | 89 | 71 |
| FY2022 | $652K | $648K | 102 | 88 |