Southern Missouri Bancorp, Inc. SMBC
- Market cap
- $795.3M
- P/E
- 11.2×
Follow SMBC
Target Price Range
Analyst price targets
Free account| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | 2029 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 30.30 | 30.29 | 29.92 | 17.30 | 29.26 | 41.79 | 30.28 | 39.00 | 45.10 | 58.28 |
Analyst estimates 2027–2029 Powerpack |
Low Price
|
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| 40.80 | 41.49 | 39.80 | 38.98 | 61.93 | 58.50 | 55.45 | 68.69 | 63.54 | 79.86 |
High Price
|
|||
| 390 | 415 | 470 | 492 | 488 | 544 | 703 | 734 | 739 | 739 |
Employees
|
|||
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Revenue/Emp
|
|||
| 73 | 90 | 111 | 122 | 130 | 138 | 203 | 273 | 305 | 317 |
Revenue
|
|||
| 85.72% | 83.48% | 77.66% | 77.90% | 87.04% | 90.37% | 75.49% | 60.14% | 59.80% | 63.34% |
Gross Margin
|
|||
| 22 | 29 | 36 | 34 | 60 | 60 | 49 | 63 | 74 | 87 |
EBT
|
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| 29.78% | 32.09% | 32.51% | 28.27% | 46.10% | 43.39% | 24.41% | 23.10% | 24.23% | 27.50% |
EBT Margin
|
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| 16 | 21 | 29 | 28 | 47 | 47 | 39 | 50 | 59 | 72 |
Net Income
|
|||
| 4 | 4 | 3 | 5 | 6 | 6 | 5 | 4 | 5 | 7 |
Depreciation
|
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| 9.70 | 10.25 | 12.03 | 13.25 | 14.38 | 15.35 | 20.01 | 24.19 | 27.18 | 28.53 |
Revenue/Sh
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| 2.08 | 2.40 | 3.14 | 3.00 | 5.22 | 5.22 | 3.85 | 4.43 | 5.18 | 6.45 |
Earnings/Sh
|
|||
| 3.42 | 3.51 | 4.20 | 4.39 | 5.75 | 7.49 | 6.13 | 6.22 | 7.26 | 7.25 |
Cash Flow/Sh
|
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| (0.29) | 0.14 | (0.58) | (0.25) | (0.09) | (0.25) | (0.03) | (0.69) | (0.20) | (0.19) |
Capex/Sh
|
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| 3.13 | 3.65 | 3.62 | 4.13 | 5.65 | 7.24 | 6.10 | 5.53 | 7.06 | 7.06 |
Free CF/Sh
|
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| 23.13 | 22.98 | 25.93 | 28.11 | 31.46 | 35.67 | 44.06 | 43.28 | 48.48 | 53.20 |
Book Value/Sh
|
|||
| 7 | 9 | 9 | 9 | 9 | 9 | 10 | 11 | 11 | 11 |
Shares
|
|||
| 15.51 | 16.62 | 10.50 | 8.10 | 8.61 | 8.67 | 9.88 | 10.02 | 10.55 | 11.82 |
PE Ratio
|
|||
| 3.33 | 3.89 | 2.75 | 1.83 | 3.13 | 2.95 | 1.92 | 1.83 | 2.02 | 2.67 |
PS Ratio
|
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| 1.39 | 1.74 | 1.28 | 0.86 | 1.43 | 1.27 | 0.87 | 1.03 | 1.13 | 1.43 |
PB Ratio
|
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| 3.70 | 4.60 | 2.96 | 2.08 | 2.73 | 2.73 | 2.42 | 2.07 | 1.80 | 2.85 |
EV/Sales
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| 11.45 | 12.92 | 9.85 | 6.67 | 6.94 | 5.79 | 7.95 | 9.04 | 6.93 | 11.50 |
EV/FCF
|
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| 26 | 31 | 39 | 40 | 52 | 67 | 62 | 70 | 82 | 81 |
Op' Cash Flow
|
|||
| (2) | 1 | (5) | (2) | (1) | (2) | 0 | (8) | (2) | (2) |
Capex
|
|||
| 23 | 32 | 33 | 38 | 51 | 65 | 62 | 62 | 79 | 78 |
FCF
|
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| (40) | 6 | (23) | 11 | (9) | (44) | (112) | (108) | (79) | (43) |
Working Cap'
|
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| 58 | 92 | 60 | 85 | 73 | 61 | 157 | 125 | 127 | 146 |
Total Debt
|
|||
| 27 | 63 | 24 | 30 | (52) | (31) | 101 | 64 | (66) | 55 |
Net Debt
|
|||
| 173 | 201 | 238 | 258 | 283 | 321 | 446 | 489 | 545 | 591 |
Sh' Equity
|
|||
| 1.00% | 1.16% | 1.41% | 1.16% | 1.79% | 1.59% | 1.03% | 1.11% | 1.21% | 1.39% |
ROA
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| 6.75% | 6.80% | 8.58% | 7.46% | 16.11% | 12.90% | 5.65% | 7.14% | 9.66% | 8.43% |
ROIC
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| 10.40% | 11.20% | 13.17% | 11.09% | 17.36% | 15.55% | 10.18% | 10.68% | 11.29% | 12.60% |
ROE
|
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Southern Missouri Bancorp, Inc. peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| PGC Peapack-Gladstone Financial Corporation | $794.6M | 15.4× | Compare |
| IBCP Independent Bank Corp. | $790.7M | 10.3× | Compare |
| FISI Financial Institutions, Inc. | $788.6M | 9.8× | Compare |
| ALRS Alerus Financial | $802.9M | 29.8× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| SPFI South Plains Financial, Inc. | $807.3M | 11.3× | Compare |
| ORRF Orrstown Financial Services Inc | $823.2M | 9.3× | Compare |
| SHBI Shore Bancshares Inc | $764.9M | 11.6× | Compare |
| HTB HomeTrust Bancshares, Inc. | $763.4M | 12.0× | Compare |
Southern Missouri Bancorp, Inc. (SMBC) key facts
- Southern Missouri Bancorp, Inc. (SMBC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- Southern Missouri Bancorp, Inc.’s revenue for fiscal 2026 (year ended June 2026) was $316.8 million, up 3.74% from fiscal 2025.
- Net income was $71.8 million, or $6.45 per share (basic), a net margin of 22.6%.
- As of September 25, 2026, SMBC traded at $72.26, a market capitalization of $795.3 million.
- At that price the stock trades at 11.2× trailing-twelve-month earnings and 2.5× sales.
- Southern Missouri Bancorp, Inc. pays an annual dividend of $0.84 per share, a yield of 2.06%, with a payout ratio of 21.8%.
- Return on equity was 12.6% and debt-to-equity 0.25.
Southern Missouri Bancorp, Inc. (SMBC) Latest News
24 Jul
Southern Missouri Bancorp Inc posted strong earnings growth in Q4 2026. Strong Q4 2026 earnings growth produces moderately noticeable effects on financial performance and market sentiment for Southern Missouri Bancorp Inc.
23 Jul
Southern Missouri Bancorp reported Q4 earnings highlights including financial results and operational updates from the earnings call. Q4 earnings results provide financial metrics that moderately affect near-term stock performance and investor views.
Southern Missouri Bancorp, Inc. held its Q4 2026 earnings call, covering quarterly financial results, performance metrics, and forward outlook. Earnings call details on results and guidance typically produce moderate shifts in valuation and sentiment without guaranteeing structural change.
Southern Missouri Bancorp Inc. (SMBC) reported a net income of $15.8 million for its fiscal fourth quarter, equating to $1.39 per share. The company generated revenue of $77.9 million, with adjusted revenue at $47.6 million. For the fiscal year, SMBC's profit totaled $58.6 million, or $5.18 per share, with total revenue reported at $182.6 million. The reported earnings and revenue figures indicate stable financial performance, which may influence investor sentiment but are not expected to significantly alter the company's trajectory.
23 Apr
Southern Missouri Bancorp, Inc. (SMBC) released highlights from its Q3 earnings call, covering financial results, performance metrics, and forward guidance. Q3 earnings call highlights provide insights into financial performance and outlook with moderately noticeable influence on SMBC's trajectory.
22 Apr
Southern Missouri Bancorp, Inc. (SMBC) beat Q3 earnings and revenue estimates, reporting stronger-than-expected financial results. Beating Q3 earnings and revenue estimates signals robust financial performance, likely driving positive stock reaction and enhanced investor sentiment.
Southern Missouri Bancorp, Inc. (SMBC) reports preliminary results for third quarter of fiscal 2026, declares quarterly dividend of $0.25 per common share, and schedules conference call for Thursday, April 23, at 9:30 AM Central Time. Preliminary quarterly results and dividend declaration signal key financial health updates likely to drive stock volatility and investor sentiment.
Southern Missouri Bancorp (SMBC) beat Q3 earnings and revenue estimates. Beating Q3 earnings and revenue estimates boosts financial performance and investor sentiment with moderate long-term effects.
28 Jan
Southern Missouri Bancorp, Inc. (SMBC) reported strong earnings for Q2 2026, highlighting significant growth in earnings per share (EPS). The company attributed this success to effective management strategies and favorable market conditions, which contributed to improved financial performance. Analysts noted the positive trajectory of SMBC's operations and expressed optimism about future growth prospects. Strong EPS growth indicates significant financial improvement and potential for future performance enhancement.
22 Jan
Southern Missouri Bancorp, Inc. reported its Q2 earnings, highlighting strong financial performance with increased net income and improved asset quality. The company emphasized its strategic initiatives aimed at expanding its market presence and enhancing customer service. Management discussed the positive impact of recent investments in technology and staff training, which are expected to drive future growth. Additionally, the bank remains focused on maintaining a solid capital position while navigating economic challenges. Significant strategic initiatives and investments are expected to enhance market positioning and financial performance.
21 Jan
Southern Missouri Bancorp, Inc. (SMBC) reported Q2 earnings that exceeded analysts' expectations, showcasing strong financial performance driven by increased net interest income and improved asset quality. The bank's focus on strategic growth initiatives and effective cost management contributed to its positive results, reinforcing investor confidence in its operational stability and future prospects. Earnings exceeding estimates indicate significant operational strength and potential for future growth.
Southern Missouri Bancorp, Inc. reported its fiscal Q2 earnings, highlighting a notable increase in net income and improved asset quality. The bank's performance was driven by growth in loans and deposits, alongside effective cost management strategies. Additionally, the company maintained a strong capital position, which supports its future growth prospects. Overall, the results reflect a positive trajectory for Southern Missouri Bancorp amidst a competitive banking environment. The significant increase in net income and improved asset quality indicate a strong performance that could influence investor sentiment and future growth strategies.
19 Jan
Southern Missouri Bancorp, Inc. (SMBC) is highlighted as an undervalued investment opportunity in the U.S. market for January 2026. The article emphasizes the bank's strong financial performance, strategic growth initiatives, and potential for significant returns as it capitalizes on regional economic trends. Analysts suggest that SMBC's focus on community banking and prudent management positions it well for future success, making it a compelling choice for investors seeking hidden gems in the financial sector. SMBC's strategic growth initiatives and strong financial performance are likely to significantly impact its future trajectory and investor sentiment.
8 Jan
Investing in Southern Missouri Bancorp, Inc. (SMBC) five years ago would have resulted in a 100% gain, highlighting the company's strong performance and growth potential. The stock's appreciation reflects effective management strategies and favorable market conditions that have contributed to its success. Investors who recognized the value of SMBC early on have seen substantial returns, indicating confidence in the bank's future prospects. The significant gain over five years suggests strong management and market positioning that could influence future performance.
12 Dec
Southern Missouri Bancorp, Inc. (SMBC) has recently experienced a 'Golden Cross' in its stock chart, a technical indicator suggesting potential upward momentum. Analysts are evaluating whether this signals a good buying opportunity for investors. The company's financial health and market conditions are also being considered in light of this development. The Golden Cross indicates potential positive momentum, but its impact on long-term performance remains uncertain.
11 Dec
Southern Missouri Bancorp, Inc. is experiencing a shift in narrative following a target hike and changes to its bylaws. These developments are expected to influence the company's strategic direction and market perception, potentially impacting its future performance. The target hike and bylaw changes are significant strategic moves that could alter the company's trajectory and investor sentiment.
8 Dec
Southern Missouri Bancorp, Inc. (SMBC) has received a rating upgrade to 'Buy' from analysts, reflecting positive sentiment about the company's financial health and growth prospects. The upgrade is attributed to strong performance metrics and favorable market conditions, positioning SMBC favorably for future growth. Investors are encouraged to consider this upgrade as a potential indicator of the company's resilience and strategic direction. The rating upgrade indicates significant positive sentiment and potential for improved market performance.
27 Nov
Southern Missouri Bancorp, Inc. (SMBC) is experiencing evolving narratives following recent analyst target updates. These updates may influence investor sentiment and market perceptions regarding the company's future performance and strategic direction. Analysts are reassessing their outlooks, which could lead to shifts in stock valuation and investor confidence. Analyst target updates are likely to moderately influence market sentiment and financial performance.
26 Nov
Southern Missouri Bancorp, Inc. (SMBC) is highlighted as a strong investment opportunity due to its solid fundamentals and growth potential. The article emphasizes the bank's robust financial performance, strategic positioning in the market, and favorable economic conditions that support its expansion. Analysts suggest that SMBC's consistent earnings growth and sound management practices make it an attractive option for investors seeking undervalued stocks with long-term potential. Strong fundamentals and growth potential indicate significant impact on future performance.
12 Nov
Recent developments at Southern Missouri Bancorp, Inc. (SMBC) indicate a strategic focus on expanding its market presence and enhancing operational efficiency. The company is exploring new growth opportunities, including potential acquisitions and product innovations, which could positively influence its competitive positioning. Additionally, changes in regulatory environments and economic conditions are being monitored closely to adapt strategies accordingly. Overall, these factors are shaping the investment narrative around SMBC, suggesting a proactive approach to navigating market challenges. Strategic initiatives and potential acquisitions are likely to significantly impact the company's future performance and market positioning.
4 Nov
Southern Missouri Bancorp, Inc. (SMBC) reported its Q1 2026 earnings, highlighting strategies for growth amid challenging market conditions. The company emphasized its focus on expanding its loan portfolio and enhancing customer service. Management discussed the impact of interest rate fluctuations and economic trends on financial performance, while also outlining plans for future investments and operational efficiencies. Overall, SMBC remains optimistic about navigating the current landscape and achieving sustainable growth. Moderate influence on financial performance and competitive positioning is expected due to strategic growth initiatives.
29 Oct
Southern Missouri Bancorp, Inc. (SMBC) is currently perceived as undervalued by investors, with analysts suggesting that the stock may not reflect the company's true financial health and growth potential. Recent performance metrics indicate a strong position in the market, raising questions about the disparity between market valuation and intrinsic value. Investors are encouraged to consider the bank's fundamentals and growth prospects as potential indicators of future performance. The perceived undervaluation and strong financial metrics suggest significant potential for future performance changes.
24 Oct
Southern Missouri Bancorp, Inc. (SMBC) has experienced a rise in profit margins, which poses challenges to its value narrative. The increase in profitability may lead to a reassessment of the company's valuation metrics, impacting investor sentiment and market perception. Analysts are closely monitoring these developments as they could influence SMBC's future performance and strategic direction. The rise in profit margins may moderately influence financial performance and market sentiment, but other factors are likely to balance the overall effect.
22 Oct
Southern Missouri Bancorp, Inc. reported its fiscal Q1 earnings, showcasing a notable increase in net income and earnings per share compared to the previous year. The bank's total assets and deposits also saw significant growth, reflecting strong performance in its lending operations. Management highlighted strategic initiatives aimed at enhancing operational efficiency and expanding market presence. Overall, the results indicate a positive trajectory for the company amidst a competitive banking landscape. The significant increase in net income and strategic initiatives suggest a likely positive impact on future performance and investor sentiment.
17 Oct
Southern Missouri Bancorp, Inc. (SMBC) is highlighted as a top dividend stock due to its consistent dividend payments and strong financial performance. The company has demonstrated resilience in its operations, maintaining a solid balance sheet and a commitment to returning value to shareholders. Investors are encouraged to consider SMBC for its attractive yield and potential for growth in the banking sector. Strong financial performance and consistent dividend payments indicate significant potential for future growth and investor interest.
9 Oct
Southern Missouri Bancorp, Inc. (SMBC) is highlighted as a promising stock in the US market, showcasing its potential for growth and investment opportunities. The article emphasizes the company's strong financial performance, strategic positioning, and favorable market conditions that could lead to significant returns for investors. Analysts suggest that SMBC's unique attributes make it an undiscovered gem worth considering for investment portfolios. SMBC's strong financial performance and strategic positioning indicate significant potential for future growth and market impact.
13 Sep
Southern Missouri Bancorp, Inc. (SMBC) reported its full-year 2025 earnings, with earnings per share (EPS) surpassing analysts' expectations. The financial results indicate a strong performance, reflecting the company's effective management and growth strategies. Investors reacted positively to the news, which may enhance market confidence in SMBC's future prospects. Earnings exceeding expectations can significantly influence investor sentiment and the company's market performance.
25 Aug
Southern Missouri Bancorp, Inc. (SMBC) is highlighted as one of three undervalued U.S. companies with significant growth potential. The article emphasizes SMBC's strong financial performance, strategic positioning in the banking sector, and opportunities for expansion. Analysts suggest that the company's focus on community banking and prudent management practices could lead to increased profitability and shareholder value. Investors are encouraged to consider SMBC as a promising investment opportunity in the current market landscape. SMBC's strategic positioning and growth potential could significantly alter its trajectory and investor sentiment.
27 Jul
Southern Missouri Bancorp Inc (NASDAQ:SMBC) reported a 17% year-over-year earnings growth, with earnings per share rising from $4.42 to $5.18. Tangible book value per share increased by 14% to $41.87, and net interest margin improved to 3.46%. Gross loan balances grew by 7.6%, and quarterly dividends were raised by 8.7% to $0.25. However, credit quality declined, with non-performing loans up by $1.1 million and provisions for credit losses rising to $2.5 million. The agricultural segment faces challenges, and higher prepayment activity is expected. A $3.8 million charge-off related to a special purpose CRE loan was noted. Management discussed loan growth, deposit competition, and potential M&A activity during the Q&A session. Earnings growth and dividend increase are positive, but credit quality issues and agricultural challenges may limit overall impact.
Southern Missouri Bancorp, Inc. (SMBC) has announced an increase in its dividend to $0.25 per share. This decision reflects the company's commitment to returning value to its shareholders and indicates positive financial performance. The dividend increase suggests stable financial health, which may positively influence investor sentiment but is not expected to drastically change the company's trajectory.