SMBC – Dividend Returns, History & Calculator

Dividend Contender 14 Years

Southern Missouri Bancorp, Inc. operates as the bank holding company for Southern Bank that provides banking and financial services to individuals and corporate customers in the United States. The company offers deposits products, including interest-bearing an

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Company Info

Symbol SMBC
Company Southern Missouri Bancorp, Inc.
Sector Financial Services
Industry Banks - Regional
Website Visit
Market Cap $742.0M

Price Data

Price $66.80
Price Change -0.41
Price Change % -0.61%
Next Earnings Report Apr 20, 2026
Low (52W) $47.14
High (52W) $68.20

Dividend Data

Div Yield 1.50%
5Y Avg Yield 1.54%
Current Div $0.250
Payouts/Year 4
Annualized $1.000
Previous Div $0.250
Ex-date Feb 13, 2026
Dividend Pay Date Feb 27, 2026

Growth Rates

Chowder Number 11.4
DGR 1Y 8.9%
DGR 3Y 5.7%
DGR 5Y 9.9%
DGR 10Y 10.7%

Total Returns

TTR 1Y - With Specials 45.6%
TTR 3Y - With Specials 25.0%
TTR 1Y - No Specials 45.6%
TTR 3Y - No Specials 25.0%

Fair Value

Fair Value (P/E 10) $41.70
FV (P/E 10) % 60.0%
Fair Value (Peter Lynch) $144.50
FV (Peter Lynch) % -54.0%
Fair Value (Blended) $44.94
FV (Blended) % 49.0%

Financial Metrics

Revenue 1Y 11.1%
NPM 33.8%
CF/Share $8.01
ROE 12.1%
Debt/Capital 18.0%
ROTC 9.6%
P/E 11.6x
P/BV 1.3x
PEG 1.44
📊 Financial data last updated: April 13, 2026 12:26 pm

Calculate your SMBC Dividend Returns

Quickly and easily calculate SMBC dividend yield using our SMBC calculator. Adjust the fields below to see how your SMBC investments snowball over time.

Show Idealized Scenario (Assumes all future extra investments and dividends are made on Day 1 and reinvested instantly — this creates a best-case scenario for compounding growth.)

Portfolio Growth Over Time

Data last updated: April 16, 2026 3:22 am

Year-by-Year Portfolio Growth (Realistic DRIP Scenario)

YearStart BalanceStart SharesShare PriceDividend / ShareDividend YieldYield on CostAnnual DividendTotal DividendsEnd SharesEnd Balance
1$10,000150$66.60$0.251.50%1.50%$162$162171$11,362
2$12,570171$73.68$0.281.50%1.66%$201$364190$13,971
3$15,456190$81.51$0.311.50%1.84%$245$609207$16,902
4$18,698207$90.17$0.341.51%2.04%$295$904224$20,193
5$22,339224$99.76$0.381.51%2.26%$350$1,254239$23,889
6$26,428239$110.36$0.421.51%2.50%$413$1,667254$28,041
7$31,022254$122.09$0.461.51%2.77%$483$2,150268$32,705
8$36,181268$135.07$0.511.51%3.07%$562$2,712281$37,943
9$41,976281$149.43$0.571.52%3.40%$651$3,363293$43,827
10$48,486293$165.31$0.631.52%3.77%$751$4,114305$50,437

SMBC Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
02/13/202602/13/2026$0.2501.52%1.55%$64.56
11/14/202511/14/2025$0.2501.76%1.84%$54.44
08/15/202508/15/2025$0.2501.75%1.86%$53.79
05/15/202505/15/2025$0.2301.67%1.67%$55.25
02/14/202502/14/2025$0.2301.50%1.53%$60.08
11/15/202411/15/2024$0.2301.34%1.40%$65.77
08/15/202408/15/2024$0.2301.60%1.72%$53.62
05/14/202405/14/2024$0.2102.00%2.00%$42.00
02/14/202402/14/2024$0.2101.98%1.98%$42.40
11/14/202311/14/2023$0.2101.85%1.85%$45.38
08/14/202308/14/2023$0.2101.85%1.85%$45.43
05/12/202305/12/2023$0.2102.65%2.65%$31.67
02/14/202302/14/2023$0.2101.74%1.76%$47.79
11/14/202211/14/2022$0.2101.60%1.63%$51.38
08/12/202208/12/2022$0.2101.49%1.55%$54.31
05/12/202205/12/2022$0.2001.83%1.83%$43.62
02/14/202202/14/2022$0.2001.43%1.50%$53.30
11/12/202111/12/2021$0.2001.26%1.40%$57.08
08/12/202108/12/2021$0.2001.47%1.76%$45.49
05/13/202105/13/2021$0.1601.41%1.46%$43.85
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Invest in SMBC with Interactive Brokers

SMBC 10-yr Total Return ($10,000 invested)

This analysis of SMBC demonstrates the power of dividend reinvestment over a 10-year period with a $10,000 initial investment. The dividend reinvestment strategy delivered a 12.2% CAGR, representing strong long-term performance. The DRIP strategy provided 20% more total return compared to collecting dividends as cash, highlighting the compounding effect of reinvestment.

With DRIP No DRIP

Total Return with and without DRIP (SMBC)

Over the selected period, investing $10,000 in SMBC would grow to $36,927 with DRIP (269.3%), and $34,001 without DRIP (240.0%).

SMBC Dividend Reinvestment Snowball

Investing $10,000 + $100/mo in SMBC with historic price growth (10.63%) and dividend growth (10.76%) produces dramatically different outcomes depending on whether you reinvest dividends.

After 20 Years

Your Investment: $34,000

With DRIP

Portfolio: $195,180

Annual Dividend: $2,999

Yield on Cost: 8.82%

Total Dividends: $20,225

No DRIP

Portfolio: $170,581

Total Dividends: $17,157

After 30 Years

Your Investment: $46,000

With DRIP

Portfolio: $642,953

Annual Dividend: $9,994

Yield on Cost: 21.73%

Total Dividends: $75,514

No DRIP

Portfolio: $499,539

Total Dividends: $57,417

Milestones on the way

By year 13, the compounding really starts to show. Your total dividends collected reach $6,942 against a total investment of $25,600. At this point, your portfolio is throwing off $1,237 per year in dividends alone.

By year 17, the annual dividend climbs to around your initial contribution. For a starting investment of $10,000, the yearly dividend now sits at approximately $2,067, a powerful “income on autopilot” milestone.

After two decades, cumulative dividends total $20,225 versus $34,000 invested, nearly a 59% recovery of capital purely from income. Yield on cost reaches 8.82%.

At year 25, the income engine takes over. The portfolio’s annual dividend of $5,502 is greater than total contributions to date ($40,000), and cumulative dividends exceed $39,809.

By year 30, the DRIP snowball is in full force. Yearly income reaches $9,994, cumulative dividends total $75,514, and the DRIP portfolio value stands at $642,953, compared with $499,539 if dividends weren’t reinvested.

How we estimate these numbers

We use the latest calculator inputs for SMBC, price $66.60, dividend per period $0.25 (4x/year), along with historic growth assumptions: price growth 10.63% and dividend growth 10.76% annually.

We simulate month by month for 30 years. Every month, a $100 contribution is added and converted to shares at that month’s price. Dividends are paid roughly evenly across the year based on the dividend frequency; in the DRIP path, each payout immediately buys additional shares at the then-current price. In the No-DRIP path, dividends accrue as cash. Prices grow using a monthly rate derived from the annual price growth. Dividends per share increase once per year at the annual dividend growth rate.

This model isn’t investment advice; it’s a simple, transparent framework that illustrates how reinvesting dividends can accelerate both income and total return over time.

Projected Future Returns & Dividends for SMBC

Based on past 10-year performance, here are SMBC growth metrics:

Share price CAGR of +14.76%
Dividend CAGR of +10.69%

Using SMBC CAGR metrics, we can estimate that your initial $10,000 investment, over the next 10 years, should grow as follows:

SMBC (DRIP)SMBC (No DRIP)
Current Price$64.53$64.53
Start Shares154.97154.97
Start Value$10,000$10,000
After 10 years:
Final Share Count175.93154.97
Dividends Payment$2.76$2.76
Annual Dividends$480$428
Yield on cost4.80%4.28%
Share Price$255.68$255.68
Total Dividends$3,037$2,826
Final Value$44,983$42,447

Estimated Future Value + Dividends – SMBC

Dividend History: Payments & Yield

Shows quarterly dividend payments with trailing yield and a 5-year rolling average overlay. Use the range pills to switch the visible period.

Yield Dividend

Dividend Growth

Lifetime quarterly dividend amounts, with range controls for 1Y/2Y/5Y/10Y. Useful to visualize the cadence and pace of dividend increases over time.

Dividend

Dividend Payments & Yield

Quarterly dividends with TTM yield and a 5‑year rolling average overlay. Helps compare current yield versus recent history across different ranges.

Dividend 5-yr Rolling AVG Yield

SMBC Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
02/13/202602/13/2026$0.2501.52%1.55%$64.56
11/14/202511/14/2025$0.2501.76%1.84%$54.44
08/15/202508/15/2025$0.2501.75%1.86%$53.79
05/15/202505/15/2025$0.2301.67%1.67%$55.25
02/14/202502/14/2025$0.2301.50%1.53%$60.08
11/15/202411/15/2024$0.2301.34%1.40%$65.77
08/15/202408/15/2024$0.2301.60%1.72%$53.62
05/14/202405/14/2024$0.2102.00%2.00%$42.00
02/14/202402/14/2024$0.2101.98%1.98%$42.40
11/14/202311/14/2023$0.2101.85%1.85%$45.38
08/14/202308/14/2023$0.2101.85%1.85%$45.43
05/12/202305/12/2023$0.2102.65%2.65%$31.67
02/14/202302/14/2023$0.2101.74%1.76%$47.79
11/14/202211/14/2022$0.2101.60%1.63%$51.38
08/12/202208/12/2022$0.2101.49%1.55%$54.31
05/12/202205/12/2022$0.2001.83%1.83%$43.62
02/14/202202/14/2022$0.2001.43%1.50%$53.30
11/12/202111/12/2021$0.2001.26%1.40%$57.08
08/12/202108/12/2021$0.2001.47%1.76%$45.49
05/13/202105/13/2021$0.1601.41%1.46%$43.85
02/11/202102/11/2021$0.1601.74%1.83%$34.99
11/12/202011/12/2020$0.1502.13%2.13%$28.11
08/13/202008/13/2020$0.1502.63%2.63%$22.80
05/14/202005/14/2020$0.1503.04%3.04%$19.73
02/13/202002/13/2020$0.1501.58%1.63%$36.72
11/14/201911/14/2019$0.1501.51%1.62%$37.04
08/14/201908/14/2019$0.1501.64%1.82%$33.00
05/14/201905/14/2019$0.1301.57%1.57%$33.15
02/14/201902/14/2019$0.1301.44%1.50%$34.67
11/14/201811/14/2018$0.1301.41%1.53%$34.05
08/14/201808/14/2018$0.1301.17%1.32%$39.40
05/14/201805/14/2018$0.1101.28%1.28%$34.33
02/14/201802/14/2018$0.1101.18%1.21%$36.49
11/14/201711/14/2017$0.1101.14%1.19%$36.94
08/11/201708/11/2017$0.1101.32%1.42%$31.02
05/11/201705/11/2017$0.1001.23%1.23%$32.43
02/13/201702/13/2017$0.1001.10%1.13%$35.35
11/10/201611/10/2016$0.1001.48%1.56%$25.70
08/11/201608/11/2016$0.1001.50%1.62%$24.73
05/11/201605/11/2016$0.0901.45%1.45%$24.75
02/10/201602/10/2016$0.0901.53%1.55%$23.23
11/10/201511/10/2015$0.0901.55%1.59%$22.60
08/12/201508/12/2015$0.0901.77%1.85%$19.48
05/13/201505/13/2015$0.0851.79%1.79%$18.99
02/11/201502/11/2015$0.0851.76%1.79%$19.00
11/12/201411/12/2014$0.0851.76%1.81%$18.75
08/13/201408/13/2014$0.0851.85%1.93%$17.59
05/13/201405/13/2014$0.0801.81%1.81%$17.68
02/12/201402/12/2014$0.0801.92%1.95%$16.38
11/13/201311/13/2013$0.0802.00%2.07%$15.49
08/13/201308/13/2013$0.0802.14%2.25%$14.25
05/13/201305/13/2013$0.0752.32%2.32%$12.91
02/13/201302/13/2013$0.0752.27%2.39%$12.57
11/13/201211/13/2012$0.0752.25%2.50%$12.02
08/13/201208/13/2012$0.0752.22%2.61%$11.50
05/11/201205/11/2012$0.0602.02%2.02%$11.90
02/13/201202/13/2012$0.0602.10%2.10%$11.44
11/10/201111/10/2011$0.0602.09%2.09%$11.50
08/11/201108/11/2011$0.0602.29%2.29%$10.50
05/11/201105/11/2011$0.0602.15%2.15%$11.19
02/11/201102/11/2011$0.0602.42%2.42%$9.90
11/10/201011/10/2010$0.0603.08%3.08%$7.80
08/11/201008/11/2010$0.0603.19%3.19%$7.53
05/12/201005/12/2010$0.0603.14%3.14%$7.66
02/10/201002/10/2010$0.0603.58%3.58%$6.70
11/10/200911/10/2009$0.0604.32%4.32%$5.55
08/12/200908/12/2009$0.0604.38%4.38%$5.49
05/13/200905/13/2009$0.0604.55%4.55%$5.28
02/11/200902/11/2009$0.0604.72%4.92%$4.88
11/12/200811/12/2008$0.0603.52%3.84%$6.25
08/13/200808/13/2008$0.0602.81%3.21%$7.47
05/13/200805/13/2008$0.0502.67%2.67%$7.50
02/13/200802/13/2008$0.0502.60%2.67%$7.50
11/13/200711/13/2007$0.0502.56%2.69%$7.44
08/13/200708/13/2007$0.0502.52%2.72%$7.35
05/11/200705/11/2007$0.0452.42%2.42%$7.45
02/13/200702/13/2007$0.0452.37%2.37%$7.61
11/13/200611/13/2006$0.0452.40%2.40%$7.50
08/11/200608/11/2006$0.0452.47%2.47%$7.29
05/11/200605/11/2006$0.0452.40%2.40%$7.50
02/13/200602/13/2006$0.0452.65%2.65%$6.78
11/10/200511/10/2005$0.0452.37%2.37%$7.61
08/25/200508/25/2005$0.0452.50%2.50%$7.21
05/12/200505/12/2005$0.0452.41%2.41%$7.48
02/11/200502/11/2005$0.0452.07%2.07%$8.70
11/10/200411/10/2004$0.0452.09%2.09%$8.63
08/12/200408/12/2004$0.0452.33%2.33%$7.74
05/12/200405/12/2004$0.0452.25%2.25%$8.00
02/11/200402/11/2004$0.0452.17%2.29%$7.85
11/12/200311/12/2003$0.0452.24%2.52%$7.14
08/13/200308/13/2003$0.0452.15%2.58%$6.99
05/13/200305/13/2003$0.0352.31%2.31%$6.07
02/12/200302/12/2003$0.0352.39%2.45%$5.71
11/13/200211/13/2002$0.0352.71%2.86%$4.90
08/13/200208/13/2002$0.0352.89%3.15%$4.45
05/13/200205/13/2002$0.0312.69%2.69%$4.66
02/13/200202/13/2002$0.0312.92%2.92%$4.28
11/14/200111/14/2001$0.0313.11%3.11%$4.02
08/13/200108/13/2001$0.0313.18%3.18%$3.93
05/11/200105/11/2001$0.0313.78%3.78%$3.31
02/13/200102/13/2001$0.0313.77%3.77%$3.31
11/13/200011/13/2000$0.0313.96%3.96%$3.16
08/11/200008/11/2000$0.0313.96%3.96%$3.16
05/11/200005/11/2000$0.0314.00%4.00%$3.13
02/10/200002/10/2000$0.0314.26%4.26%$2.94
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Dividend Payout Ratio

Tracks the percentage of earnings paid out as dividends each quarter. Lower and stable ratios often indicate safer, more sustainable payouts.

Payout Ratio

Dividend to Free Cash Flow Ratio

Shows dividends as a percentage of free cash flow. Consistently high values may signal limited reinvestment capacity or potential dividend risk.

Dividend/FCF Ratio

Share Price

Historical closing price with range controls. Table view includes quarter‑over‑quarter and year‑over‑year changes for additional context.

SMBC Price

Price to Earnings

SMBC trades at a 34.6x price-to-earnings ratio. This elevated valuation suggests investors expect strong future growth.

Price to Sales

SMBC trades at a 12.6x price-to-sales ratio, providing insight into market valuation relative to revenue generation.

Revenue

SMBC generated $0.0B in revenue. Revenue has grown by 59% over the period.

Net Income

SMBC reported $0.0B in net income. Net income has grown by 54% over the period.

Revenue vs Net Income

SMBC generated $0.0B in revenue with net income of $0.0B, representing a 36.4% net profit margin.

Gross Profit

SMBC achieved $0.0B in gross profit, showing revenue after direct production costs.

Operating Income

SMBC generated $0.0B in operating income, representing profit from core business operations.

EBITDA

SMBC generated $0.0B in EBITDA, measuring operational profitability before interest, taxes, depreciation, and amortization.

Operating Cash Flow

SMBC generated $0.0B in operating cash flow, demonstrating the company’s ability to convert earnings into cash.

Free Cash Flow

SMBC generated $0.0B in free cash flow. Free cash flow has increased by 53% over the period.

Free Cash Flow / Share

SMBC generates $1.71 in free cash flow per share. FCF per share has grown by 53% over the period.

Earnings Per Share (EPS)

SMBC reported $1.63 in earnings per share. EPS has grown by 54% over the period.

Return on Equity (ROE)

SMBC delivered a 30.3% return on equity, indicating how effectively the company generates returns for shareholders.

Return on Assets (ROA)

SMBC achieved a 18.2% return on assets, measuring how efficiently the company uses its assets to generate profit.

Net Profit Margin

SMBC maintains a 36.4% net profit margin, showing the percentage of revenue retained as profit after all expenses.

Gross Profit Margin

SMBC operates with a 81.6% gross profit margin, reflecting pricing power and cost efficiency in core operations.

Cash & Debt

SMBC holds $0.0B in cash against $0.0B in debt, resulting in a net cash position of $0.0B.

Shares Outstanding

SMBC has 0.0B shares outstanding.

Stock-Based Comp

SMBC reported $0.0B in stock-based compensation. Over the period, stock-based compensation has increased by 59%.

FCF vs Stock Based Comp

SMBC generated $0.0B in free cash flow while spending $0.0B on stock-based compensation, representing 7% of FCF.

FCF vs FCF / Share

SMBC reported $0.0B in free cash flow, translating to $1.71 per share.

Revenue: Actual + Estimates

This chart tracks SMBC revenue: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EPS: Actual + Estimates

This chart tracks SMBC eps: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Net Income: Actual + Estimates

This chart tracks SMBC net income: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EBITDA: Actual + Estimates

This chart tracks SMBC ebitda: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Disclaimer: The information on this page is for educational and entertainment purposes only and does not constitute financial advice. Do your own research and consult a qualified financial advisor before making investment decisions. Data sources include Yahoo Finance and other third-party providers and may contain errors or delays.

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