Southern Missouri Bancorp, Inc. is classed by the SEC under Savings Institutions, Not Federally Chartered (industry code 6036), based in Poplar Bluff, MO. Its latest filed balance sheet (2025-06-30) shows total assets of $5.1 billion (its filed statements).
Lending businessSavings Institutions, Not Federally CharteredPoplar Bluff, MOfilings since 19969 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6036, Savings Institutions, Not Federally Chartered); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.2 out of ten, 9 of 9 metrics filed: past 6.4 out of ten, present 6.8 out of ten, future 5.0 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 8.7 out of ten. No warning events in its filings since 2017. 87th percentile among 23 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 7.5 out of ten. +18.8% a year over 10 filed years; profitable in 10 of 10. 75th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 2.4 out of ten. Share count grew 3.1% a year. 13% of cash flow returned. Insiders: 11 sales, 0 purchases. 24th percentile among 20 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 5.8 out of ten. ROE 12%: 12¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar. 58th percentile among 23 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 6.9 out of ten. top 31% of 22 in its family; net margin 24.9%. 69th percentile among 22 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 8.7 out of ten. top 13% of 15 in its family for leadership; chief executive since 2017. 87th percentile among 15 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 5.1 out of ten. top 49% of 19 in its family for room to expand. 51st percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 3.3 out of ten. bottom 33% of 19 in its family for growth drivers. 33rd percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 6.6 out of ten. top 34% of 17 in its family for expectations against reality. 66th percentile among 17 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-09-11 for the period ended 2026-06-30 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-05-08 for the period ended 2026-03-31 (on EDGAR). Newest results release: Form 8-K filed 2026-07-22 for the period ended 2026-07-21 (on EDGAR). Newest filing: Form ARS, 2026-09-21. Filings on record since 1996. Read from EDGAR 2026-10-12.
Who runs it
Steffens, Greg A (CHAIRMAN/CEO); Cox, Justin (EVP-REGIONAL PRESIDENT); Funke, Matthew T (PRESIDENT/CHIEF ADMIN OFFICER); Greunke, Lance K (EXECUTIVE VICE PRESIDENT); Chkautovich, Stefan (CHIEF FINANCIAL OFFICER); Hecker, Mark E (EVP-CHIEF CREDIT OFFICER); Windes, Richard (EVP-CHIEF LENDING OFFICER); Butler, Jane (SVP/Chief Accounting Officer); Capps, Kimberly A (EVP-CHIEF RETAIL OFFICER); Dorton, Brett (EVP-CHIEF STRATEGIES OFFICER); and 11 more. 21 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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