Want to see SMBC full AI Analyst Report?
SMBC Stock Chart & Stats
$77.63
-$0.09(-0.12%)
At close: 4:00 PM EDT
$77.63
-$0.09(-0.12%)
Day’s Range― - ―
52-Week Range$47.60 - $79.39
Previous CloseN/A
Volume110.62K
Average Volume (3M)55.13K
Market Cap
$852.72M
Enterprise Value$914.22
Total Cash (Recent Filing)$532.40M
Total Debt (Recent Filing)$148.28M
Price to Earnings (P/E)12.0
Beta0.89
Next Earnings
Oct 26, 2026EPS Estimate
1.66Next Dividend Ex-DateN/A
Dividend Yield1.29%
Share Statistics
EPS (TTM)6.01
Shares Outstanding11,015,632
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$83.00Price Target Upside6.92% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)6.52
Revenue Forecast (FY)$212.55M
Bulls Say, Bears Say
Bulls Say
Cash GenerationNear-complete cash conversion (FCF ≈98% of net income) indicates durable ability to fund dividends, buybacks, and investments from operations. Consistent cash flow improves financial flexibility, supports capital returns and M&A optionality, and reduces reliance on volatile external funding.
Conservative Balance SheetLow leverage and steadily increasing equity provide a durable capital buffer against credit losses or rate shocks. The conservative structure supports continued lending, regulatory resilience, and optionality for capital deployment without materially increasing funding risk.
Loan And Revenue MomentumSustained loan originations and accelerating revenue translate into recurring net interest income growth. Broad-based loan growth and higher NII provide a stable earnings base, helping margins and ROE over the medium term even if headwinds moderate.
Bears Say
Elevated Credit CostsRising charge-offs and higher provisioning introduce persistent credit volatility risk. Higher provisions and somewhat reduced allowance coverage can compress earnings and force more conservative capital deployment until credit metrics normalize, making near-term profitability less predictable.
Deposit Funding / Repricing RiskA large share of rate‑sensitive deposits and substantial CDs repricing expose funding costs to rising short-term rates. Increased reliance on broker/wholesale funding and CD roll risk can structurally compress NIM unless deposit mix or loan yields adjust, pressuring longer-term net interest income.
Expense Re-acceleration RiskPlanned reinvestments in people and technology will increase fixed operating expense run‑rate. If revenue or NIM growth slows while expense growth rises, efficiency ratios and net income margins could deteriorate, limiting sustainable earnings improvement until cost productivity catches up.
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 $79.39 in the past 12 months.
What is Southern Missouri Bancorp’s market cap?
Southern Missouri Bancorp’s market cap is $852.72M.
When is Southern Missouri Bancorp’s upcoming earnings report date?
Southern Missouri Bancorp’s upcoming earnings report date is Oct 26, 2026 which is in 84 days.
How were Southern Missouri Bancorp’s earnings last quarter?
Southern Missouri Bancorp released its earnings results on Jul 22, 2026. The company reported $1.83 earnings per share for the quarter, beating the consensus estimate of $1.523 by $0.307.
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 $0.27 which represents an annual dividend yield of 1.29%. See more information on Southern Missouri Bancorp dividends here
What is Southern Missouri Bancorp’s EPS estimate?
Southern Missouri Bancorp’s EPS estimate is 1.66.
How many shares outstanding does Southern Missouri Bancorp have?
Southern Missouri Bancorp has 11,015,632 shares outstanding.
What happened to Southern Missouri Bancorp’s price movement after its last earnings report?
Southern Missouri Bancorp reported an EPS of $1.83 in its last earnings report, beating expectations of $1.523. Following the earnings report the stock price went up 3.063%.
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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$83.00 (6.92% Upside)
$83.00 (6.92% Upside)
Blogger Sentiment
Neutral
SMBC Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 96.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $316.3K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
7.02%
12-Months-Change
Fundamentals
Return on Equity
1.29%
Trailing 12-Months
Asset Growth
4.13%
Trailing 12-Months
Company Description
Southern Missouri Bancorp
Southern Missouri Bancorp, Inc., established in 1887 and headquartered in Poplar Bluff, Missouri, functions as the parent company for Southern Bank. Through its subsidiary, it delivers a comprehensive suite of banking and financial solutions to both individual consumers and businesses across the United States. The company's offerings encompass a wide range of personal banking services, including checking and savings accounts, online and mobile banking, mortgages, refinancing options, and various loans and credit facilities. For corporate clients, it provides business banking, financing, and a variety of supporting business services. Additionally, Southern Missouri Bancorp extends its financial product portfolio to include investment and insurance services, digital banking, and debit and credit cards. As of June 30, 2021, the institution maintained a significant physical presence with 46 full-service and two limited-service branch locations. These branches are strategically distributed throughout numerous towns in Missouri (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), Arkansas (Jonesboro, Paragould, Batesville, Searcy, Bald Knob, Bradford, and Cabot), and Illinois (Anna, Cairo, and Tamms).
SMBC Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented multiple strong financial highlights — notably significant EPS and ROA improvement, NIM expansion, loan growth, capital returns (buybacks and dividend increase), and favorable agricultural conditions — while also acknowledging heightened credit noise this quarter (increased net charge-offs, a higher provision, and elevated non-performing assets/OREO), deposit mix pressures from wholesale/broker funding, potential near-term NIM compression as short-term rates rise and CDs reprice, and expected expense re-acceleration. Management emphasized disciplined risk management, a solid capital position, and active M&A optionality. Overall, the positives around earnings, margin expansion, loan growth, capital actions, and constructive ag outlook outweigh the credit-related and funding headwinds, but the company will need to manage credit trends and deposit funding costs closely in fiscal 2027.View all SMBC earnings summariesSMBC Stock 12 Month Forecast
Average Price Target
$83.00
▲(6.92% Upside)
Technical Analysis
―
Hingham Institution For Savings
―
Independent Bank
―
SmartFinancial
―
South Plains Financial
―
Ownership Overview
14.87% Insiders
15.43% Mutual Funds
1.07% Other Institutional Investors
51.16% Public Companies and
Individual Investors