Southern Missouri Bancorp (SMBC)
NASDAQ:SMBC
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SMBC Stock Chart & Stats
$67.50
-$0.13(-0.23%)
At close: 4:00 PM EST
$67.50
-$0.13(-0.23%)
Day’s Range― - ―
52-Week Range$47.60 - $70.10
Previous CloseN/A
Volume11.77K
Average Volume (3M)55.13K
Market Cap
$761.25M
Enterprise Value$816.25M
Total Cash (Recent Filing)$579.27M
Total Debt (Recent Filing)$145.28M
Price to Earnings (P/E)10.3
Beta0.90
Next Earnings
Jul 27, 2026EPS Estimate
1.6Next Dividend Ex-DateN/A
Dividend Yield1.59%
Share Statistics
EPS (TTM)5.80
Shares Outstanding11,108,279
10 Day Avg. Volume66,272
30 Day Avg. Volume55,130
Financial Highlights & Ratios
PEG Ratio0.61
Price to Book (P/B)1.13
Price to Sales (P/S)2.02
P/FCF Ratio8.18
Enterprise Value/Market Cap1.07
Enterprise Value/Revenue2.61
Enterprise Value/Gross Profit4.43
Enterprise Value/Ebitda8.96
Forecast
1Y Price Target
$73.33Price Target Upside8.64% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)6.22
Revenue Forecast (FY)$200.40M
Bulls Say, Bears Say
Bulls Say
Cash GenerationConsistent trailing twelve‑month free cash flow nearly matching net income indicates high earnings quality and internal funding capacity. Durable FCF supports organic loan growth, reserve building, dividend and buyback programs, and provides a buffer through economic cycles over the next several quarters.
Capital Strength & BuybacksRising tangible book value alongside active share repurchases reflects both capital generation and management willingness to return capital. This strengthens shareholder returns, preserves acquisition optionality, and signals disciplined capital allocation that supports stability and strategic flexibility over the medium term.
Loan Production & Core FundingSustained strong originations and year‑over‑year loan growth expand earning assets and interest income potential. When combined with core deposit growth, this reduces reliance on volatile wholesale funding and supports durable net interest income expansion and franchise growth over multiple quarters.
Bears Say
Rising Problem AssetsSequential increases in NPLs and nonperforming assets, though modest in percentage terms, indicate emerging credit stress that can elevate provision volatility and depress returns. If trends persist, they may require higher allowances and reduce earnings resilience over the coming quarters.
Agriculture ExposureConcentration in agricultural lending exposes the bank to commodity cycles and producer cash‑flow shortfalls. Such structural sector risk can drive episodic delinquencies and higher reserves, making credit outcomes more volatile and requiring sustained monitoring and potential credit cost adjustments over months.
Repricing & Liquidity RiskLarge upcoming loan maturities and significant CD roll‑off create funding and repricing mismatches that can compress net interest margin as deposits reprice and new originations carry lower yields. This structural funding pressure may weigh on NII and margins absent sustained deposit beta advantages.
Southern Missouri Bancorp News
SMBC FAQ
What was Southern Missouri Bancorp’s price range in the past 12 months?
Southern Missouri Bancorp lowest stock price was $47.60 and its highest was $70.10 in the past 12 months.
What is Southern Missouri Bancorp’s market cap?
Southern Missouri Bancorp’s market cap is $761.25M.
When is Southern Missouri Bancorp’s upcoming earnings report date?
Southern Missouri Bancorp’s upcoming earnings report date is Jul 27, 2026 which is in 84 days.
How were Southern Missouri Bancorp’s earnings last quarter?
Southern Missouri Bancorp released its earnings results on Apr 22, 2026. The company reported $1.6 earnings per share for the quarter, beating the consensus estimate of $1.52 by $0.08.
Is Southern Missouri Bancorp overvalued?
According to Wall Street analysts Southern Missouri Bancorp’s price is currently Undervalued.
Does Southern Missouri Bancorp pay dividends?
Southern Missouri Bancorp pays a Quarterly dividend of $0.25 which represents an annual dividend yield of 1.59%. See more information on Southern Missouri Bancorp dividends here
What is Southern Missouri Bancorp’s EPS estimate?
Southern Missouri Bancorp’s EPS estimate is 1.6.
How many shares outstanding does Southern Missouri Bancorp have?
Southern Missouri Bancorp has 11,108,279 shares outstanding.
What happened to Southern Missouri Bancorp’s price movement after its last earnings report?
Southern Missouri Bancorp reported an EPS of $1.6 in its last earnings report, beating expectations of $1.52. Following the earnings report the stock price went up 2.939%.
Which hedge fund is a major shareholder of Southern Missouri Bancorp?
Currently, no hedge funds are holding shares in SMBC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Southern Missouri Bancorp Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$73.33 (8.64% Upside)
$73.33 (8.64% Upside)
Blogger Sentiment
Bullish
SMBC Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 80.0 Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $37.1K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
7.02%
12-Months-Change
Fundamentals
Return on Equity
12.00%
Trailing 12-Months
Asset Growth
3.15%
Trailing 12-Months
Company Description
Southern Missouri Bancorp
Southern Missouri Bancorp, Inc. operates as the bank holding company for Southern Bank that provides banking and financial services to individuals and corporate customers in the United States. The company offers business banking, business financing, and business services. It also provides personal banking services, which include online and mobile banking, checking and savings, mortgage and refinance, and loans and credit services. In addition, the company offers investing and insurance services. Further, it provides accounts and digital banking services; and debit or credit cards. As of June 30, 2021, the company operated 46 full-service branch offices, and two limited-service branch offices located in Poplar Bluff, Van Buren, Dexter, Kennett, Doniphan, Sikeston, Qulin, Matthews, Springfield, Thayer, West Plains, Alton, Clever, Forsyth, Fremont Hills, Kimberling City, Ozark, Nixa, Rogersville, Marshfield, Cape Girardeau, Jackson, Gideon, Chaffee, Benton, Advance, Bloomfield, Essex, and Rolla, Missouri; Jonesboro, Paragould, Batesville, Searcy, Bald Knob, Bradford, and Cabot, Arkansas; and Anna, Cairo, and Tamms, Illinois. Southern Missouri Bancorp, Inc. was founded in 1887 and is headquartered in Poplar Bluff, Missouri.
SMBC Earnings Call
Q3 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a generally constructive operational and financial picture: solid loan growth, increased net interest margin year-over-year, improving tangible book value and disciplined capital returns (share repurchases). Management acknowledged and proactively reserved for pockets of credit stress—most notably in the agricultural portfolio—and flagged near-term NIM headwinds, elevated NPAs relative to historical levels, rising expense items and CRE concentration. While challenges remain, management emphasized sufficient reserves, manageable problem-asset levels, and confidence in continuing improved profitability into the next quarter.View all SMBC earnings summariesSMBC Stock 12 Month Forecast
Average Price Target
$73.33
▲(8.64% Upside)
Technical Analysis
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Hingham Institution For Savings
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Independent Bank
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SmartFinancial
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South Plains Financial
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Ownership Overview
14.86% Insiders
14.77% Mutual Funds
3.94% Other Institutional Investors
51.12% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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