SMBC Stock Analysis: Southern Missouri Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 838m USD | 12M Return: 35.3% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 9.39M
EPS Trend: 81.5%
Qual. Beats: 4
Rev. Trend: 93.1%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Southern Missouri Bancorp, Inc. (NASDAQ: SMBC) is a bank holding company that operates through its subsidiary, Southern Bank, providing a range of banking and financial services to individual and corporate customers in the United States. Its deposit offerings include transaction accounts, money market accounts, savings accounts, certificates of deposit, and retirement savings plans, while its lending activities span residential mortgages, commercial and agricultural real estate loans, construction loans, commercial and agricultural business loans, and consumer loans. Beyond traditional banking, the company also provides fiduciary and investment management services, commercial and consumer insurance products, and debit and credit cards. Founded in 1887, the company is headquartered in Poplar Bluff, Missouri.
As a regional bank holding company within the Financials sector, SMBC operates a traditional community banking model that combines core deposit gathering and relationship-based lending with fee-generating services such as wealth management and insurance. This diversification of revenue streams beyond net interest income is a common strategy among small-cap U.S. community banks, which often rely on cross-selling to deepen customer relationships and improve profitability.
- Net interest margin expands on Fed rate hikes and deposit repricing
- Commercial real estate loan growth accelerates across Missouri footprint
- Rising deposit costs pressure margins amid regional bank competition
| 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 (93.0m): -4.13 < 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 57.66%; Δ 1.90% > 0.5%) |
| Asset Turnover: 6.22% > 50% (prev 6.02%; Δ 0.19% > 0%) |
| Interest Coverage Ratio: 0.72 > 6 (EBIT TTM 84.9m / 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: 0.13 (Book Value of Equity 573.5m / Total Liabilities 4.57b) |
| Altman-Z'' = -4.40 = D |
| DSRI: 3.0 (Receivables 4.27b/25.8m, Revenue 314.5m/299.8m) |
| GMI: 0.97 (GM 57.66% / 59.56%) |
| 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 = -1.39 (Cap -4..+1) = D |
As of July 08, 2026, the stock is trading at USD 75.89 with a total of 75,793 shares traded. Over the past week, the price has changed by -0.26%, over one month by +8.76%, over three months by +15.50% and over the past year by +35.26%.
Current recommended Stop Loss: 73.50 (which is 3.1% or 1.2 ATR below the current price).
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 | 76 | 0.1% |
P/E Trailing = 12.7157
P/E Forward = 8.8339
P/S = 4.5098
P/B = 1.493
P/EG = 1.0655
Revenue TTM = 314.5m USD
EBIT TTM = 84.9m USD
EBITDA TTM = 93.0m 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 = 453.5m USD (837.6m + Debt 148.3m - CCE 532.4m)
Interest Coverage Ratio = 0.72 (Ebit TTM 84.9m / Interest Expense TTM 118.1m)
EV/FCF = 5.04x (Enterprise Value 453.5m / FCF TTM 89.9m)
FCF Yield = 19.83% (FCF TTM 89.9m / Enterprise Value 453.5m)
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 = 0.09 (Enterprise Value 453.5m / Total Assets 5.14b)
Interest Expense / Debt = 79.63% (Interest Expense 118.1m / Debt 148.3m)
Taxrate = 19.07% (15.9m / 83.2m)
NOPAT = 68.7m (EBIT 84.9m * (1 - 19.07%))
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 = -4.13 (Net Debt -384.1m / EBITDA 93.0m)
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 = 8.75% (NOPAT 68.7m / Invested Capital 784.9m)
WACC = 7.89% (E(837.6m)/V(985.9m) * Re(9.29%) + (debt cost/tax rate unavailable))
Discount Rate = 9.29% (= 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 current Quarter (2026-09-30): EPS=1.63 | Chg30d=+0.00% | Revisions=+25% | Analysts=3
EPS current Year (2026-06-30): EPS=6.24 | Chg30d=+0.00% | Revisions=+40% | GrowthEPS=+20.5% | GrowthRev=+9.8%
EPS next Year (2027-06-30): EPS=6.75 | Chg30d=+0.00% | Revisions=+25% | GrowthEPS=+8.2% | GrowthRev=+6.2%
[Analyst] Revisions Ratio: +57% (up=4, down=0)