For the quarter ending 2026-03-31, SMBC had -$41,023K decrease in cash & cash equivalents over the period. $28,542K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 17,760 | 18,150 | 15,650 | 58,578 |
| Depreciation | 1,619 | 1,646 | 1,642 | 6,482 |
| Loss (gain) on disposal of fixed assets | - | - | - | -73 |
| Stock option and stock grant expense | -1,064 | -106 | -136 | -1,667 |
| Loss (gain) on sale/write-down of foreclosed property | -63 | 1 | -15 | 56 |
| Amortization of intangible assets | 710 | 807 | 857 | 3,540 |
| Accretion of purchase accounting adjustments | 338 | 628 | 858 | 3,924 |
| Increase in cash surrender value of bank owned life insurance (boli) | 677 | 552 | 548 | 2,084 |
| (gain) loss realized on sale of afs securities | - | - | - | 48 |
| Provision for credit losses | 2,080 | 1,680 | 4,500 | 6,523 |
| Net amortization of premiums and discounts on securities | 180 | 216 | 220 | 1,511 |
| Originations of loans held for sale | 8,913 | 7,117 | 5,998 | 22,206 |
| Proceeds from sales of loans held for sale | 9,377 | 6,290 | 6,327 | 23,209 |
| Gain on sales of loans held for sale | -226 | -167 | -175 | -751 |
| Gain on sale of investment tax credit | 305 | - | - | - |
| Accrued interest receivable | -4,510 | 2,012 | 4,573 | 2,192 |
| Prepaid expenses and other assets | -217 | -732 | 70 | -6,682 |
| Accounts payable and other liabilities | 4,579 | 3,673 | -2,412 | 6,217 |
| Deferred income taxes | -102 | -101 | -879 | -40 |
| Accrued interest payable | -2,444 | -1,242 | 1,148 | 1,318 |
| Net cash provided by operating activities | 28,998 | 21,250 | 16,300 | 81,557 |
| Net increase in loans | 96,239 | 34,895 | 94,448 | 254,933 |
| Net change in interest-bearing deposits | - | - | 1 | 248 |
| Proceeds from maturities of available for sale securities | 17,416 | 20,742 | 18,036 | 68,622 |
| Proceeds from sales of available for sale securities | - | - | - | 72 |
| Purchases of federal home loan bank stock | 1,758 | 108 | 113 | - |
| Net (purchases) redemptions of federal home loan bank stock | - | - | - | 648 |
| Redemptions of federal home loan bank stock | 1,450 | 49 | 127 | - |
| Purchases of federal reserve bank of st. louis stock | 3 | 4 | 3 | 50 |
| Purchases of available-for-sale securities | 11,939 | 11,982 | 6,969 | 92,288 |
| Purchases of long-term investments and other assets | 0 | 0 | 150 | 612 |
| Redemptions of long-term investments and other assets | 0 | 0 | 432 | - |
| Purchases of premises and equipment | 456 | 1,097 | 901 | 6,263 |
| Investments in state & federal tax credits | 2,526 | 1,431 | - | 3,270 |
| Proceeds from sale of foreclosed assets | 56 | 426 | 82 | 4,010 |
| Proceeds from sale of investment tax credits | 315 | - | - | - |
| Proceeds from boli claim | 317 | - | - | - |
| Net cash used in investing activities | -93,367 | -28,301 | -83,906 | -285,112 |
| Net increase in demand deposits and savings accounts | 10,861 | 45,611 | 37,970 | 25,152 |
| Net (decrease) increase in certificates of deposits | 21,742 | -17,750 | -38,832 | 313,188 |
| Net increase in securities sold under agreements to repurchase | 0 | 0 | 5,000 | 5,602 |
| Proceeds from federal home loan bank advances | 33,900 | 0 | 1,300 | 260,000 |
| Repayments of federal home loan bank advances | 30,914 | 13 | 3,314 | 258,054 |
| Exercise of stock options | 316 | - | - | - |
| Purchases of treasury stock | 9,782 | 8,057 | 446 | - |
| Dividends paid on common stock | 2,777 | 2,790 | 2,820 | 10,378 |
| Net cash provided by financing activities | 23,346 | 17,001 | -1,142 | 335,510 |
| (decrease) increase in cash and cash equivalents | -41,023 | 9,950 | -68,748 | 131,955 |
| Cash and cash equivalents at beginning of period | 134,061 | 124,111 | 192,859 | - |
| Cash and cash equivalents at end of period | 93,038 | 134,061 | 124,111 | - |
SOUTHERN MISSOURI BANCORP, INC. (SMBC)
SOUTHERN MISSOURI BANCORP, INC. (SMBC)