Southern Missouri Bancorp, Inc. — Earnings Quality Grade A
SMBC · Financial Services
Strong financial health
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 52 days, change -1 days YoY
AR growth 9.2% vs revenue growth 11.1%
Revenue 11.1%, CFFO 16.1%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -30.8% vs revenue 11.1%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.39. Profits backed by cash
FCF $0.1B, FCF/NI = 1.29
Accruals ratio = -0.5%. Low accruals
Cash $0.2B covers debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 14% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -5% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Southern Missouri Bancorp, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25