SMBC (Southern Missouri Bancorp) Long-Term Debt: $128.3 Mil (As of Mar. 2026)


SMBC Southern Missouri Bancorp Inc SMBC
69 GF Score
Price $76.20
GF Value $61.33
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Southern Missouri Bancorp Long-Term Debt?

Southern Missouri Bancorp SMBC -2.17% 69 Long-Term Debt is $128.3 Mil as of Mar. 2026. GuruFocus rates SMBC with a GF Score™ of 69/100 and a GF Value™ of $61.33 (Modestly Overvalued). The stock has 8 warning signs investors should review.

Southern Missouri Bancorp's Long-Term Debt for the quarter that ended in Mar. 2026 was $128.3 Mil.

Southern Missouri Bancorp's quarterly Long-Term Debt increased from Sep. 2025 ($125.3 Mil) to Dec. 2025 ($125.3 Mil) and increased from Dec. 2025 ($125.3 Mil) to Mar. 2026 ($128.3 Mil).

Southern Missouri Bancorp's annual Long-Term Debt declined from Jun. 2023 ($156.6 Mil) to Jun. 2024 ($125.2 Mil) but then increased from Jun. 2024 ($125.2 Mil) to Jun. 2025 ($127.3 Mil).

Southern Missouri Bancorp  (NAS:SMBC) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Southern Missouri Bancorp Long-Term Debt Related Terms

Southern Missouri Bancorp Long-Term Debt Historical Data

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The historical data trend for Southern Missouri Bancorp's Long-Term Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Southern Missouri Bancorp Long-Term Debt Chart

Southern Missouri Bancorp Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 72.77 61.01 156.62 125.21 127.26

Southern Missouri Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 127.27 127.26 125.25 125.28 128.28
SMBC
69GF Score
Southern Missouri Bancorp Inc SMBC
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $128.3 Mil mean?
Southern Missouri Bancorp (SMBC) has a Long-Term Debt of $128.3 Mil as of Mar. 2026.
Is Southern Missouri Bancorp's Long-Term Debt too high?
Southern Missouri Bancorp's current Long-Term Debt is $128.3 Mil. Overall, Southern Missouri Bancorp has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southern Missouri Bancorp's Long-Term Debt compare to PGC and FCBC?
Southern Missouri Bancorp's Long-Term Debt of $128.3 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Southern Missouri Bancorp's current Long-Term Debt is $128.3 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southern Missouri Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Southern Missouri Bancorp (SMBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $61.33, compared to a current price of $76.20 — trading 24.2% above its estimated fair value. The current Long-Term Debt is $128.3 Mil. Southern Missouri Bancorp's overall GF Score™ is 69/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Southern Missouri Bancorp (SMBC), the current Long-Term Debt is $128.3 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Southern Missouri Bancorp (SMBC) Overvalued in 2026?

Based on GuruFocus' analysis, Southern Missouri Bancorp stock appears to be overvalued. The current stock price of $76.20 is trading 24.2% above its estimated GF Value™ of $61.33. GuruFocus considers Southern Missouri Bancorp to be Modestly Overvalued.

Key valuation signals for SMBC:

  • Long-Term Debt: $128.3 Mil
  • GF Value™: $61.33 vs. price of $76.20 (24.2% above fair value)
  • GF Score™: 69/100 with 8 warning signs

No single metric tells the full story. See the SMBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Southern Missouri Bancorp Business Description

Address 2991 Oak Grove Road, Poplar Bluff, MO, USA, 63901
Southern Missouri Bancorp Inc is a USA-based holding company for Southern Missouri Savings Bank. The principal business of the bank consists of attracting retail deposits from the general public and using such deposits along with wholesale funding from the Federal Home Loan Bank of Des Moines, and to a lesser extent, brokered deposits, to invest in one- to four-family residential mortgage loans, mortgage loans secured by commercial real estate, commercial non-mortgage business loans, and consumer loans. It is engaged in providing the range of banking and financial services to individuals and corporate customers in its market areas. The company derives revenue principally from interest earned on loans, debt securities, bank card interchange fees, loan late charges and another fee income.
69GF Score

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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$76.20
Price
$61.33
GF Value