SMBC Stock Analysis: Southern Missouri Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 787m USD | 12M Return: 37.2% | US8433801060 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.11M
EPS Trend: 88.2%
Qual. Beats: 5
Rev. Trend: 92.0%
Qual. Beats: 1
Warnings
Tailwinds
Seasonality 11.7 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. (SMBC) is a bank holding company that operates Southern Bank, a U.S. financial institution serving individuals and corporate customers. Founded in 1887 and headquartered in Poplar Bluff, Missouri, the company offers a full suite of community banking products, including transaction and savings accounts, certificates of deposit, retirement savings plans, and debit/credit cards. Its lending portfolio spans residential mortgages, commercial and agricultural real estate loans, construction financing, business and working capital loans, and consumer loans. SMBC also generates fee-based income through fiduciary and investment management services, insurance and brokerage offerings, cash management, merchant services, and digital banking platforms.
As a small-cap regional bank classified under the GICS Financials sector, SMBC operates a traditional community banking model that relies on net interest income from local lending, supplemented by non-interest fee revenue from ancillary services. The company has been publicly traded since 1994 and serves a geographically concentrated footprint, with a notable emphasis on agricultural lending that ties its loan portfolio to rural and farming economies in its core markets.
- Net interest margin compresses as deposit costs outpace loan yields
- Commercial real estate loan growth drives balance sheet expansion
- Credit quality deteriorates in agricultural and CRE loan portfolios
| Net Income: 71.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.04 > 1.0 |
| NWC/Revenue: 142.7% < 20% (prev 128.2%; Δ 14.50% < -1%) |
| CFO/TA 0.02 > 3% & CFO 80.5m > Net Income 71.8m |
| Net Debt (-393.5m) to EBITDA (96.8m): -4.06 < 3 |
| Current Ratio: 1.10 > 1.5 & < 3 |
| Outstanding Shares: last quarter (11.0m) vs 12m ago -2.32% < -2% |
| Gross Margin: 61.66% > 18% (prev 57.66%; Δ 4.00% > 0.5%) |
| Asset Turnover: 6.03% > 50% (prev 6.08%; Δ -0.05% > 0%) |
| Interest Coverage Ratio: 0.76 > 6 (EBIT TTM 88.8m / Interest Expense TTM 116.1m) |
| A: 0.08 (Total Current Assets 4.88b - Total Current Liabilities 4.44b) / Total Assets 5.23b |
| B: 0.07 (Retained Earnings 389.6m / Total Assets 5.23b) |
| C: 0.02 (EBIT TTM 88.8m / Avg Total Assets 5.13b) |
| D: 0.13 (Book Value of Equity 590.7m / Total Liabilities 4.64b) |
| Altman-Z'' = 1.05 = BB |
| DSRI: 1.06 (Receivables 4.34b/4.05b, Revenue 309.3m/305.3m) |
| GMI: 0.94 (GM 57.66% / 61.66%) |
| AQI: 1.14 (AQ_t 0.05 / AQ_t-1 0.04) |
| SGI: 1.01 (Revenue 309.3m / 305.3m) |
| TATA: -0.00 (NI 71.8m - CFO 80.5m) / TA 5.23b) |
| Beneish M = -2.95 (Cap -4..+1) = A |
As of October 06, 2026, the stock is trading at USD 71.90 with a total of 75,423 shares traded. Over the past week, the price has changed by +0.56%, over one month by -2.20%, over three months by -5.76% and over the past year by +37.18%.
Current recommended Stop Loss: 69.00 (which is 4% or 2.2 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 | 81.3 | 13% |
P/E Trailing = 11.2421
P/E Forward = 8.8339
P/S = 4.1622
P/B = 1.3322
P/EG = 1.0655
Revenue TTM = 309.3m USD
EBIT TTM = 88.8m USD
EBITDA TTM = 96.8m USD
Long Term Debt = 146.2m 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 = -393.5m USD (calculated: Debt 148.3m - CCE 541.7m)
Enterprise Value = 394.0m USD (787.4m + Debt 148.3m - CCE 541.7m)
Interest Coverage Ratio = 0.76 (Ebit TTM 88.8m / Interest Expense TTM 116.1m)
EV/FCF = 5.15x (Enterprise Value 394.0m / FCF TTM 76.6m)
FCF Yield = 19.43% (FCF TTM 76.6m / Enterprise Value 394.0m)
FCF Margin = 24.75% (FCF TTM 76.6m / Revenue TTM 309.3m)
Net Margin = 23.23% (Net Income TTM 71.8m / Revenue TTM 309.3m)
Gross Margin = 61.66% ((Revenue TTM 309.3m - Cost of Revenue TTM 118.6m) / Revenue TTM)
Gross Margin QoQ = 66.69% (prev 61.66%)
Tobins Q-Ratio = 0.08 (Enterprise Value 394.0m / Total Assets 5.23b)
Interest Expense / Debt = 78.32% (Interest Expense 116.1m / Debt 148.3m)
Taxrate = 17.52% (15.3m / 87.1m)
NOPAT = 73.2m (EBIT 88.8m * (1 - 17.52%))
Current Ratio = 1.10 (Total Current Assets 4.88b / Total Current Liabilities 4.44b)
Debt / Equity = 0.25 (Debt 148.3m / totalStockholderEquity, last quarter 590.7m)
Debt / EBITDA = -4.06 (Net Debt -393.5m / EBITDA 96.8m)
Debt / FCF = -5.14 (Net Debt -393.5m / FCF TTM 76.6m)
Total Stockholder Equity = 572.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.40% (Net Income 71.8m / Total Assets 5.23b)
RoE = 12.54% (Net Income TTM 71.8m / Total Stockholder Equity 572.9m)
RoCE = 12.35% (EBIT 88.8m / Capital Employed (Equity 572.9m + L.T.Debt 146.2m))
RoIC = 9.13% (NOPAT 73.2m / Invested Capital 802.3m)
WACC = 6.93% (E(787.4m)/V(935.7m) * Re(8.24%) + (debt cost/tax rate unavailable))
Discount Rate = 8.24% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -82.32 | Cagr: -1.20%
[DCF] Terminal Value 75.66% ; FCFF base≈76.1m ; Y1≈77.4m ; Y5≈84.4m
[DCF] Fair Price = 154.5 (EV 1.31b - Net Debt -393.5m = Equity 1.70b / Shares 11.0m; r=8.35% [WACC [floored]]; 5y FCF grow 1.69% → 2.50% )
EPS Correlation: 88.20 | EPS CAGR: 13.60% | SUE: 3.07 | # QB: 5
Revenue Correlation: 91.98 | Revenue CAGR: 11.25% | SUE: 2.90 | # QB: 1
EPS current Quarter (2026-09-30): EPS=1.65 | Chg30d=-0.40% | Revisions=+40% | Analysts=5
EPS next Quarter (2026-12-31): EPS=1.71 | Chg30d=-0.77% | Revisions=+40% | Analysts=5
EPS current Year (2027-06-30): EPS=6.64 | Chg30d=-1.30% | Revisions=+0% | GrowthEPS=+3.2% | GrowthRev=+5.0%
EPS next Year (2028-06-30): EPS=6.88 | Chg30d=-3.73% | Revisions=+0% | GrowthEPS=+3.7% | GrowthRev=+3.9%
[Analyst] Revisions Ratio: +44% (up=5, down=1)