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Southern Missouri Bancorp cash flow, quarter by quarter

Latest: Q1 FY27 · from the cash-flow statements filed with the SEC

Free cash flow$19.6M in Q1 FY27 · $80.8M over twelve months

Operating cash flow$20.8M
Capital spending−$1.2M
Free cash flow+$19.6M
Cash / net income1.1×

Analysis

In Q1 FY27, Southern Missouri Bancorp generated $20.8M of operating cash flow and spent $1.2M on capital projects, leaving free cash flow of $19.6M. That is $4.2M more than in Q1 FY26 ($15.4M).

Over the twelve months to Sep 30, 2026, operating cash flow was $85.0M; the largest uses were other investing ($289M), dividends ($11.3M), capital spending ($4.3M); besides operations, cash came from other financing ($193M); the cash balance fell by $27.0M.

Operating cash flow was $20.8M against net income of $19.1M — 1.1× profit, roughly in line with earnings. The largest differences: payables +$1.3M, prepaid and other assets +$801K, deferred taxes +$107K.

Free cash flow

Southern Missouri Bancorp: free cash flow by quarterSouthern Missouri Bancorp: free cash flow by quarter$18.2MQ2 FY25$22.7MQ3 FY25$25.8MQ4 FY25$15.4MQ1 FY26$20.2MQ2 FY26$28.5MQ3 FY26$12.5MQ4 FY26$19.6MQ1 FY27
Operating cash flow less capital spending.
Southern Missouri Bancorp: operating cash flow against capital spendingSouthern Missouri Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$20.1M$2.0MQ2 FY25$24.1M$1.4MQ3 FY25$27.3M$1.5MQ4 FY25$16.3M$901KQ1 FY26$21.2M$1.1MQ2 FY26$29.0M$456KQ3 FY26$14.0M$1.5MQ4 FY26$20.8M$1.2MQ1 FY27
Latest (Q1 FY27): Operating cash flow $20.8M, Capital spending $1.2M.

Capital allocation, year by year

Southern Missouri Bancorp: where the cash came from (up) and went (down), by fiscal yearSouthern Missouri Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedAsset salesCapital spendingDividendsFY22: Operating cash flow $67.3MFY22: Shares issued $22.9MFY22: Asset sales $928KFY22: Capital spending −$4.6MFY22: Dividends −$7.2M$91.2MFY22FY23: Operating cash flow $62.0MFY23: Shares issued $98.3MFY23: Asset sales $3.7MFY23: Capital spending −$6.0MFY23: Dividends −$8.6M$164MFY23FY24: Operating cash flow $70.3MFY24: Shares issued $392KFY24: Asset sales $15KFY24: Capital spending −$9.0MFY24: Dividends −$9.5M$70.7MFY24FY25: Operating cash flow $81.6MFY25: Capital spending −$6.3MFY25: Dividends −$10.4M$81.6MFY25FY26: Operating cash flow $80.5MFY26: Shares issued $460KFY26: Capital spending −$4.0MFY26: Dividends −$11.1M$81.0MFY26
Over these 5 years operating cash flow totalled $362M; the largest uses were dividends ($46.9M) and capital spending ($29.9M). Cash-flow statements as filed.

Where the cash came from and went

Southern Missouri Bancorp: sources (+) and uses (−) of cash, Q1 FY27Southern Missouri Bancorp: sources (+) and uses (−) of cash, Q1 FY27Other investing−$72.6MOther financing$62.1MOperating cash flow$20.8MCash drawn (+) / kept (−)−$6.2MDividends−$3.0MCapital spending−$1.2MAsset & business sales$10K
Southern Missouri Bancorp: sources (+) and uses (−) of cash, TTM to Q1 FY27Southern Missouri Bancorp: sources (+) and uses (−) of cash, TTM to Q1 FY27Other investing−$289MOther financing$193MOperating cash flow$85.0MCash drawn (+) / kept (−)$27.0MDividends−$11.3MCapital spending−$4.3M

From profit to cash

Southern Missouri Bancorp: net income to operating cash flow, Q1 FY27Southern Missouri Bancorp: net income to operating cash flow, Q1 FY27Net income$19.1MDeferred taxes$107KGains on disposals−$2KPayables$1.3MPrepaid and other assets$801KOperating cash flow$20.8M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q1 FY27$20.8M−$1.2M−$3.0M—−$6.2M$19.6M
Q4 FY26$14.0M−$1.5M−$2.7M$144K$2.1M$12.5M
Q3 FY26$29.0M−$456K−$2.8M—$41.0M$28.5M
Q2 FY26$21.2M−$1.1M−$2.8M—−$9.9M$20.2M
Q1 FY26$16.3M−$901K−$2.8M—$68.7M$15.4M
Q4 FY25$27.3M−$1.5M−$2.6M—$34.0M$25.8M
Q3 FY25$24.1M−$1.4M−$2.6M—−$81.1M$22.7M
Q2 FY25$20.1M−$2.0M−$2.6M—−$70.5M$18.2M

Southern Missouri Bancorp: income statement and cash flow

Southern Missouri Bancorp, Q1 FY27: revenue $53.1M (+8% year over year), operating margin 44.4%. The chart follows the revenue to costs, profit and cash.

Southern Missouri Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.