(SMBC) Southern Missouri Bancorp - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 763m USD | Total Return: 32.3% in 12m
Avg Turnover: 5.18M
EPS Trend: 81.5%
Qual. Beats: 4
Rev. Trend: 93.1%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Garp
Southern Missouri Bancorp, Inc. (SMBC) is a bank holding company for Southern Bank, providing retail and commercial banking services primarily in the Midwest. Founded in 1887, the institution manages a diverse portfolio of deposit products and credit solutions, including residential, commercial, and agricultural real estate loans.
Operating within the regional banking sector, the company utilizes a community-based business model that relies on local deposit gathering to fund lending activities. Regional banks often maintain higher exposure to commercial real estate and agricultural cycles compared to national money-center banks.
You can further examine the companys valuation metrics and growth trends at ValueRay.
Beyond core banking, the firm generates non-interest income through fiduciary services, investment management, and insurance product distribution. This diversification helps mitigate the impact of fluctuating interest rate environments on net interest margins.
- Net interest margin fluctuates based on Federal Reserve interest rate policy changes
- Agricultural loan performance depends on regional commodity prices and farm yields
- Strategic acquisitions in the Midwest drive asset growth and market share
- Commercial real estate concentration increases sensitivity to regional economic downturns
- Deposit beta management impacts funding costs and overall profitability margins
| Net Income: 67.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.49 > 1.0 |
| NWC/Revenue: -1.22k% < 20% (prev -1.29k%; Δ 70.87% < -1%) |
| CFO/TA 0.02 > 3% & CFO 93.9m > Net Income 67.3m |
| Net Debt (-384.1m) to EBITDA (94.6m): -4.06 < 3 |
| Current Ratio: 0.12 > 1.5 & < 3 |
| Outstanding Shares: last quarter (11.1m) vs 12m ago -1.66% < -2% |
| Gross Margin: 59.56% > 18% (prev 0.58%; Δ 5.90k% > 0.5%) |
| Asset Turnover: 6.22% > 50% (prev 6.02%; Δ 0.19% > 0%) |
| Interest Coverage Ratio: 0.72 > 6 (EBITDA TTM 94.6m / Interest Expense TTM 118.1m) |
| A: -0.74 (Total Current Assets 533.4m - Total Current Liabilities 4.36b) / Total Assets 5.14b |
| B: 0.07 (Retained Earnings 372.4m / Total Assets 5.14b) |
| C: 0.02 (EBIT TTM 84.9m / Avg Total Assets 5.06b) |
| D: 0.08 (Book Value of Equity 377.4m / Total Liabilities 4.57b) |
| Altman-Z'' = -4.45 = D |
| DSRI: 157.8 (Receivables 4.27b/25.8m, Revenue 314.5m/299.8m) |
| GMI: 0.97 (GM 59.56% / 57.66%) |
| AQI: 0.98 (AQ_t 0.88 / AQ_t-1 0.90) |
| SGI: 1.05 (Revenue 314.5m / 299.8m) |
| TATA: -0.01 (NI 67.3m - CFO 93.9m) / TA 5.14b) |
| Beneish M = 126.0 (Cap -4..+1) = D |
As of May 24, 2026, the stock is trading at USD 69.30 with a total of 73,260 shares traded.
Over the past week, the price has changed by +3.56%,
over one month by +5.46%,
over three months by +10.51% and
over the past year by +32.33%.
Southern Missouri Bancorp has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy SMBC.
- StrongBuy: 1
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 73.3 | 5.8% |
P/E Forward = 8.8339
P/S = 4.1101
P/B = 1.3169
P/EG = 1.0655
Revenue TTM = 314.5m USD
EBIT TTM = 84.9m USD
EBITDA TTM = 94.6m USD
Long Term Debt = 128.3m USD (from longTermDebt, last quarter)
Short Term Debt = 20.0m USD (from shortTermDebt, last quarter)
Debt = 148.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -384.1m USD (calculated: Debt 148.3m - CCE 532.4m)
Enterprise Value = 379.3m USD (763.4m + Debt 148.3m - CCE 532.4m)
Interest Coverage Ratio = 0.72 (Ebit TTM 84.9m / Interest Expense TTM 118.1m)
EV/FCF = 4.22x (Enterprise Value 379.3m / FCF TTM 89.9m)
FCF Yield = 23.71% (FCF TTM 89.9m / Enterprise Value 379.3m)
FCF Margin = 28.60% (FCF TTM 89.9m / Revenue TTM 314.5m)
Net Margin = 21.42% (Net Income TTM 67.3m / Revenue TTM 314.5m)
Gross Margin = 59.56% ((Revenue TTM 314.5m - Cost of Revenue TTM 127.2m) / Revenue TTM)
Gross Margin QoQ = 61.66% (prev 62.84%)
Tobins Q-Ratio = 0.07 (Enterprise Value 379.3m / Total Assets 5.14b)
Interest Expense / Debt = 79.63% (Interest Expense 118.1m / Debt 148.3m)
Taxrate = 19.05% (4.18m / 21.9m)
NOPAT = 68.7m (EBIT 84.9m * (1 - 19.05%))
Current Ratio = 0.12 (Total Current Assets 533.4m / Total Current Liabilities 4.36b)
Debt / Equity = 0.26 (Debt 148.3m / totalStockholderEquity, last quarter 573.5m)
Debt / EBITDA = -4.06 (Net Debt -384.1m / EBITDA 94.6m)
Debt / FCF = -4.27 (Net Debt -384.1m / FCF TTM 89.9m)
Total Stockholder Equity = 561.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.33% (Net Income 67.3m / Total Assets 5.14b)
RoE = 12.00% (Net Income TTM 67.3m / Total Stockholder Equity 561.4m)
RoCE = 12.31% (EBIT 84.9m / Capital Employed (Equity 561.4m + L.T.Debt 128.3m))
RoIC = 8.58% (NOPAT 68.7m / Invested Capital 800.6m)
WACC = 8.10% (E(763.4m)/V(911.7m) * Re(9.67%) + (debt cost/tax rate unavailable))
Discount Rate = 9.67% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -51.11 | Cagr: -0.89%
[DCF] Terminal Value 77.97% ; FCFF base≈79.1m ; Y1≈90.6m ; Y5≈133.4m
[DCF] Fair Price = 217.1 (EV 2.01b - Net Debt -384.1m = Equity 2.39b / Shares 11.0m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 81.48 | EPS CAGR: 10.19% | SUE: 1.20 | # QB: 4
Revenue Correlation: 93.06 | Revenue CAGR: 15.57% | SUE: 0.70 | # QB: 0
EPS next Quarter (2026-09-30): EPS=1.63 | Chg30d=+1.66% | Revisions=+20% | Analysts=3
EPS current Year (2026-06-30): EPS=6.24 | Chg30d=+1.05% | Revisions=+33% | GrowthEPS=+20.5% | GrowthRev=+9.8%
EPS next Year (2027-06-30): EPS=6.75 | Chg30d=+1.50% | Revisions=+20% | GrowthEPS=+8.2% | GrowthRev=+6.2%
[Analyst] Revisions Ratio: +33%