Saturday 17 October 2026
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Southern Missouri Bancorp, Inc.
SMBC Financial Banks Regional
Southern Missouri Bancorp, Inc.’s revenue for fiscal 2026 (year ended June 2026) was $316.8 million, up 3.74% from fiscal 2025. In the quarter to June 2026, revenue grew 2.83%, EPS grew 31.4%, free cash flow fell 50.5% and total debt rose 14.9%, each against the same quarter a year earlier. Dividend growth for twenty-five consecutive years, revenue growth for ten.
70.18
0.29
+0.41%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to June
| Group | Line | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Trend | 2027e | 2028e | 2029e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price, $ | |||||||||||||||
| Price, $ | Low | 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 |
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| High | 40.80 | 41.49 | 39.80 | 38.98 | 61.93 | 58.50 | 55.45 | 68.69 | 63.54 | 79.86 | |||||
| People | |||||||||||||||
| People | Employees | 390 | 415 | 470 | 492 | 488 | 544 | 703 | 734 | 739 | 739 | ||||
| Revenue/emp, $m | 0.19 | 0.22 | 0.24 | 0.25 | 0.27 | 0.25 | 0.29 | 0.37 | 0.41 | 0.43 | |||||
| Income, $m | |||||||||||||||
| Income, $m | Revenue | 73 | 90 | 111 | 122 | 130 | 138 | 203 | 273 | 305 | 317 | ||||
| Gross margin, % | 85.72 | 83.48 | 77.66 | 77.90 | 87.04 | 90.37 | 75.49 | 60.14 | 59.80 | 63.34 | |||||
| EBT | 22 | 29 | 36 | 34 | 60 | 60 | 49 | 63 | 74 | 87 | |||||
| EBT margin, % | 29.78 | 32.09 | 32.51 | 28.27 | 46.10 | 43.39 | 24.41 | 23.10 | 24.23 | 27.50 | |||||
| Net income | 16 | 21 | 29 | 28 | 47 | 47 | 39 | 50 | 59 | 72 | |||||
| Depreciation | 4 | 4 | 3 | 5 | 6 | 6 | 5 | 4 | 5 | 7 | |||||
| Per share, $ | |||||||||||||||
| Per share, $ | Revenue | 9.70 | 10.25 | 12.03 | 13.25 | 14.38 | 15.35 | 20.01 | 24.19 | 27.18 | 28.53 | ||||
| Earnings | 2.08 | 2.40 | 3.14 | 3.00 | 5.22 | 5.22 | 3.85 | 4.43 | 5.18 | 6.45 | |||||
| Cash flow | 3.42 | 3.51 | 4.20 | 4.39 | 5.75 | 7.49 | 6.13 | 6.22 | 7.26 | 7.25 | |||||
| Capex | (0.29) | 0.14 | (0.58) | (0.25) | (0.09) | (0.25) | (0.03) | (0.69) | (0.20) | (0.19) | |||||
| Free cash flow | 3.13 | 3.65 | 3.62 | 4.13 | 5.65 | 7.24 | 6.10 | 5.53 | 7.06 | 7.06 | |||||
| Book value | 23.13 | 22.98 | 25.93 | 28.11 | 31.46 | 35.67 | 44.06 | 43.28 | 48.48 | 53.20 | |||||
| Shares, m | 7 | 9 | 9 | 9 | 9 | 9 | 10 | 11 | 11 | 11 | |||||
| Valuation, × | |||||||||||||||
| Valuation, × | P/E | 15.51 | 16.62 | 10.50 | 8.10 | 8.61 | 8.67 | 9.88 | 10.02 | 10.55 | 11.82 | ||||
| P/S | 3.33 | 3.89 | 2.75 | 1.83 | 3.13 | 2.95 | 1.92 | 1.83 | 2.02 | 2.67 | |||||
| P/B | 1.39 | 1.74 | 1.28 | 0.86 | 1.43 | 1.27 | 0.87 | 1.03 | 1.13 | 1.43 | |||||
| EV/Sales | 3.70 | 4.60 | 2.96 | 2.08 | 2.73 | 2.73 | 2.42 | 2.07 | 1.80 | 2.85 | |||||
| EV/FCF | 11.45 | 12.92 | 9.85 | 6.67 | 6.94 | 5.79 | 7.95 | 9.04 | 6.93 | 11.50 | |||||
| Cash, $m | |||||||||||||||
| Cash, $m | Operating cash flow | 26 | 31 | 39 | 40 | 52 | 67 | 62 | 70 | 82 | 81 | ||||
| Capex | (2) | 1 | (5) | (2) | (1) | (2) | 0 | (8) | (2) | (2) | |||||
| Free cash flow | 23 | 32 | 33 | 38 | 51 | 65 | 62 | 62 | 79 | 78 | |||||
| Balance, $m | |||||||||||||||
| Balance, $m | Working capital | (40) | 6 | (23) | 11 | (9) | (44) | (112) | (108) | (79) | (43) | ||||
| Total debt | 58 | 92 | 60 | 85 | 73 | 61 | 157 | 125 | 127 | 146 | |||||
| Net debt | 27 | 63 | 24 | 30 | (52) | (31) | 101 | 64 | (66) | 55 | |||||
| Shareholders’ equity | 173 | 201 | 238 | 258 | 283 | 321 | 446 | 489 | 545 | 591 | |||||
| Returns, % | |||||||||||||||
| Returns, % | ROA | 1.00 | 1.16 | 1.41 | 1.16 | 1.79 | 1.59 | 1.03 | 1.11 | 1.21 | 1.39 | ||||
| ROIC | 6.75 | 6.80 | 8.58 | 7.46 | 16.11 | 12.90 | 5.65 | 7.14 | 9.66 | 8.43 | |||||
| ROE | 10.40 | 11.20 | 13.17 | 11.09 | 17.36 | 15.55 | 10.18 | 10.68 | 11.29 | 12.60 | |||||
Negative figures in brackets.
Fiscal years to Jun 2026 · latest quarter Jun 2026
Charts ten years each
Southern Missouri Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier
| Company | Market cap | P/E | Fwd P/E | Revenue growth (Q) | EPS growth (Q) | FCF growth (Q) | Gross margin (Q) | EBIT margin (Q) | Compare |
|---|---|---|---|---|---|---|---|---|---|
| ORRF Orrstown Financial Services Inc | $816.1M | 9.3× | 8.8× | +0.90% (above 0%: growing) | +8.91% (above 0%: growing) | −5.50% (below 0%: shrinking) | 70.78% | 0.00% | Compare |
| SPFI South Plains Financial, Inc. | $809.1M | 11.4× | 11.7× | +16.84% (above 0%: growing) | +10.00% (above 0%: growing) | +104.00% (above 0%: growing) | 72.34% | 0.00% | Compare |
| IBCP Independent Bank Corp. | $783.4M | 10.2× | 10.0× | +5.66% (above 0%: growing) | +12.35% (above 0%: growing) | −1.00% (below 0%: shrinking) | 76.53% | 0.00% | Compare |
| HTB HomeTrust Bancshares, Inc. | $776.1M | 12.2× | 12.9× | −4.58% (below 0%: shrinking) | −5.94% (below 0%: shrinking) | +417.30% (above 0%: growing) | 77.45% | 0.00% | Compare |
| FISI Financial Institutions, Inc. | $773.9M | 9.6× | 9.2× | +0.58% (above 0%: growing) | +24.71% (above 0%: growing) | +397.95% (above 0%: growing) | 68.40% | 0.00% | Compare |
| PGC Peapack-Gladstone Financial Corporation | $769.9M | 14.8× | 11.9× | +10.12% (above 0%: growing) | +97.78% (above 0%: growing) | +388.43% (above 0%: growing) | 70.34% | 0.00% | Compare |
| SMBC Southern Missouri Bancorp, Inc. | $769.7M | 10.9× | 10.3× | +2.83% (above 0%: growing) | +31.43% (above 0%: growing) | −50.54% (below 0%: shrinking) | 64.61% | 0.00% | |
| ALRS Alerus Financial | $765.5M | 29.0× | 9.7× | +1.35% (above 0%: growing) | +3.80% (above 0%: growing) | +136.92% (above 0%: growing) | 77.88% | 0.00% | Compare |
| SHBI Shore Bancshares Inc | $752.2M | 11.4× | 10.1× | +0.40% (above 0%: growing) | +21.74% (above 0%: growing) | +185.78% (above 0%: growing) | 71.57% | 0.00% | Compare |
| Median of peers | $775.0M | 11.4× | 10.1× | +1.13% | +11.18% | +161.35% | 71.96% | 0.00% |
Southern Missouri Bancorp, Inc. (SMBC) key facts
- Strength: Southern Missouri Bancorp, Inc.’s revenue for fiscal 2026 (year ended June 2026) was $316.8 million, up 3.74% from fiscal 2025.
- Strength: Net income was $71.8 million, or $6.45 per share (basic), a net margin of 22.6%.
- Southern Missouri Bancorp, Inc. (SMBC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- As of October 16, 2026, SMBC traded at $70.18, a market capitalization of $769.7 million.
- At that price the stock trades at 10.9× trailing-twelve-month earnings and 2.5× sales; its P/E is higher than 45% of its own readings over the past ten years.
- Southern Missouri Bancorp, Inc. pays an annual dividend of $1.02 per share, a yield of 1.45%, with a payout ratio of 15.9%.
- Return on equity was 12.6% and debt-to-equity 0.25.
- Its Piotroski F-score is 7 out of 9 for fiscal 2026.