Southern Missouri Bancorp (SMBC) AI Stock Analysis

• Market Cap: $642.21M
• Dividend Yield: 1.64%
• Average Volume (3M): 65.44K
• Price to Earnings (P/E): 10.4
• Beta (1Y): 0.89
• Revenue Growth: 9.34%
• EPS Growth: 25.21%
• Country: US
• Employees: 693
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.38
• Shares Outstanding: 11,290,667
• 10 Day Avg. Volume: 43,560
• 30 Day Avg. Volume: 65,441
• PEG Ratio: 0.61
• Price to Book (P/B): 1.13
• Price to Sales (P/S): 2.02
• P/FCF Ratio: 8.18
• Enterprise Value/Market Cap: 0.97
• Enterprise Value/Revenue: 2.00
• Enterprise Value/Gross Profit: 3.47
• Enterprise Value/Ebitda: 7.08
• 1Y Price Target: $61.75
• Price Target Upside: 5.30% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: $59.00 ▲(0.61% Upside)

Southern Missouri Bancorp's overall stock score is driven by strong financial performance and attractive valuation. While technical indicators are neutral, the earnings call presented a mixed outlook with both positive growth prospects and concerns about credit risks. The lack of significant corporate events further solidifies the focus on financial and earnings performance.

Positive Factors

Net Interest Margin Expansion

The expansion in net interest margin indicates improved profitability from lending activities, suggesting efficient asset management and favorable loan pricing, which could sustain earnings growth.

Tangible Book Value Increase

A significant increase in tangible book value reflects strong earnings retention and improved asset quality, enhancing the company's financial stability and shareholder value.

Loan Growth

Consistent loan growth supports revenue expansion and indicates strong demand for the company's lending products, which is crucial for long-term profitability and market presence.

Negative Factors

Increased Provision for Credit Losses

Higher credit loss provisions suggest potential risks in the loan portfolio, which could impact future profitability and indicate caution in credit quality management.

Nonperforming Loans Increase

Rising nonperforming loans highlight potential asset quality issues, which can strain financial resources and necessitate increased focus on risk management strategies.

Noninterest Income Decline

A decline in noninterest income can pressure overall revenue streams, indicating challenges in diversifying income sources beyond traditional lending activities.

Southern Missouri Bancorp Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Southern Missouri Bancorp generates revenue primarily through interest income from its lending operations, which includes commercial, residential, and consumer loans. The company earns interest by charging borrowers for the loans provided, with rates varying based on credit risk and market conditions. Additionally, SMBC generates non-interest income through fees on deposit accounts, transaction fees, and wealth management services. The bank also benefits from its investment portfolio, earning interest and dividends on securities. Key partnerships with local businesses and community organizations enhance its customer reach and contribute to its earnings by fostering a loyal client base.

Southern Missouri Bancorp Financial Statement Overview

Summary

Southern Missouri Bancorp exhibits strong financial health with consistent revenue and profit growth, solid balance sheet metrics, and robust cash flow generation. Minor concerns include margin compression and increasing debt levels.

Income Statement

Southern Missouri Bancorp has demonstrated consistent revenue growth over the years, with a recent growth rate of 1.81%. The company maintains healthy profit margins, with a net profit margin of 19.10% and an EBIT margin of 24.24%. However, the gross profit margin has slightly decreased, indicating potential cost pressures. Overall, the income statement reflects strong profitability and growth, albeit with some margin compression.

Balance Sheet

The balance sheet shows a stable financial position with a manageable debt-to-equity ratio of 0.26. The return on equity stands at 10.71%, reflecting efficient use of equity capital. The equity ratio is strong, indicating a solid capital base. However, the slight increase in debt levels over the years suggests a need for careful leverage management.

Cash Flow

Cash flow analysis reveals robust free cash flow growth of 20%, indicating strong cash generation capabilities. The operating cash flow to net income ratio is low, suggesting potential discrepancies between reported earnings and cash flow. However, the free cash flow to net income ratio is high at 92.32%, underscoring efficient cash conversion.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	310.36M	305.25M	273.22M	202.62M	138.07M	129.52M
Gross Profit	178.89M	176.08M	160.73M	135.89M	123.28M	113.75M
EBITDA	87.61M	84.02M	73.20M	57.02M	65.83M	65.13M
Net Income	61.70M	58.31M	50.18M	39.24M	47.17M	47.18M
Balance Sheet
Total Assets	5.04B	5.02B	4.60B	4.36B	3.21B	2.70B
Cash, Cash Equivalents and Short-Term Investments	271.41M	653.95M	489.30M	472.77M	326.95M	331.59M
Total Debt	145.25M	142.28M	134.60M	156.62M	61.01M	72.77M
Total Liabilities	4.48B	4.47B	4.12B	3.91B	2.89B	2.42B
Stockholders Equity	560.22M	544.69M	488.75M	446.06M	320.77M	283.42M
Cash Flow
Free Cash Flow	82.13M	75.29M	61.22M	55.98M	62.73M	48.91M
Operating Cash Flow	87.86M	81.56M	70.27M	62.02M	67.34M	51.76M
Investing Cash Flow	-268.39M	-285.11M	-245.74M	-213.41M	-303.93M	-101.92M
Financing Cash Flow	229.29M	335.51M	182.39M	118.55M	199.80M	119.50M

Southern Missouri Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 58.64
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SMBC, the sentiment is Positive. The current price of 58.64 is above the 20-day moving average (MA) of 54.91, above the 50-day MA of 53.08, and above the 200-day MA of 53.54, indicating a bullish trend. The MACD of 1.22 indicates Negative momentum. The RSI at 71.65 is Negative, neither overbought nor oversold. The STOCH value of 93.21 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SMBC.

Southern Missouri Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IBCP	79 Outperform	$685.94M	10.19	14.51%	3.06%	4.29%	10.56%
HTBK	76 Outperform	$660.02M	15.32	6.26%	4.68%	8.23%	-0.07%
SMBC	73 Outperform	$642.21M	10.42	11.54%	1.64%	9.34%	25.21%
SMBK	73 Outperform	$598.94M	12.83	9.01%	0.88%	13.41%	41.78%
SPFI	72 Outperform	$616.93M	10.83	12.97%	1.60%	5.87%	37.99%
HIFS	69 Neutral	$632.49M	14.13	10.23%	0.86%	8.26%	94.53%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Southern Missouri Bancorp Corporate Events

Southern Missouri Bancorp Reports Q1 Earnings Surge

Southern Missouri Bancorp reported a significant increase in earnings per common share for the first quarter of fiscal 2026, with a 25.5% rise compared to the same quarter the previous year. This growth was attributed to strong net interest income driven by an 8% increase in earning assets and net interest margin expansion. The company also highlighted its tangible book value per share, which rose by 13.3% year-over-year as of September 30, 2025. Additionally, Southern Missouri Bancorp expanded its presence in the St. Louis market by opening two new locations, further solidifying its market position.

The most recent analyst rating on (SMBC) stock is a Hold with a $63.00 price target. To see the full list of analyst forecasts on Southern Missouri Bancorp stock, see the SMBC Stock Forecast page.

Southern Missouri Bancorp Reports Strong Q1 Earnings Growth

Southern Missouri Bancorp, Inc., the parent company of Southern Bank, operates in the banking sector, offering a range of financial services primarily in Missouri. The company is known for its focus on community banking and customer service.

Southern Missouri’s Earnings Call: Growth Amid Challenges

Southern Missouri’s recent earnings call revealed a mixed sentiment, with notable achievements in net interest margin expansion and loan growth. The company also reported a significant increase in tangible book value. However, these positives were tempered by concerns over increased credit loss provisions, rising nonperforming loans, and a decline in noninterest income. Additionally, challenges in the agricultural sector were highlighted as potential risks.

Southern Missouri Bancorp Holds Annual Shareholder Meeting

On October 20, 2025, Southern Missouri Bancorp, Inc. held its Annual Meeting of shareholders in Poplar Bluff, Missouri, with 79.65% of common shares represented. During the meeting, Charles R. Love was elected for a two-year term, while Daniel P. McCoy, Kenneth J. Bower, and Daniel L. Jones were each elected for three-year terms. Additionally, the advisory vote on executive compensation was approved, and FORVIS MAZARS, LLP was ratified as the independent auditors for the fiscal year ending June 30, 2026.

The most recent analyst rating on (SMBC) stock is a Hold with a $66.00 price target. To see the full list of analyst forecasts on Southern Missouri Bancorp stock, see the SMBC Stock Forecast page.

Southern Missouri Bancorp Announces Quarterly Dividend Increase

On October 21, 2025, Southern Missouri Bancorp announced a quarterly dividend of $0.25 per common share, marking its 126th consecutive quarterly dividend. The company reported a preliminary net income of $15.7 million for the first quarter of fiscal 2026, a 25.6% increase from the previous year, driven by higher net interest income and slightly lower non-interest expenses. However, this was partially offset by increased provision for credit losses and higher income taxes. The company also experienced growth in its loan portfolio, particularly in real estate and non-real estate sectors, while deposit balances saw a slight decrease. Southern Missouri Bancorp plans to host a conference call on October 23, 2025, to discuss these results further.

The most recent analyst rating on (SMBC) stock is a Hold with a $66.00 price target. To see the full list of analyst forecasts on Southern Missouri Bancorp stock, see the SMBC Stock Forecast page.