Southern Missouri Bancorp (SMBC)
NASDAQ:SMBC
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Southern Missouri Bancorp
(NASDAQ:SMBC)
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Rating:80Outperform
Price Target:
$80.00
â–²(18.52% Upside)
Action:ReiteratedDate:05/09/26
SMBC’s score is driven primarily by strong financial performance (accelerating revenue, healthy margins, strong cash conversion, and a conservatively managed balance sheet). Technicals are supportive with a clear uptrend and positive momentum. Valuation is attractive on earnings (low P/E), though income appeal is limited by a modest dividend yield. The earnings call adds a measured positive tilt, balanced by near-term NIM pressure and credit/expense risks (notably agriculture exposure and elevated CRE concentration).
Positive Factors
Revenue & Profitability Momentum
Sustained top-line acceleration and improving margins indicate durable core earnings power. Over a multi-quarter horizon, higher revenue and expanding operating margins support internal capital generation, make underwriting losses more tolerable, and provide runway for strategic reinvestment or targeted M&A.
Negative Factors
Agriculture Portfolio Stress
Concentrated agricultural exposure is cyclical and sensitive to commodity prices and weather. Management’s increased reserves signal ongoing stress; prolonged weakness could drive higher provisions, elevate NPLs, and reduce earnings predictability across the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Profitability Momentum
Sustained top-line acceleration and improving margins indicate durable core earnings power. Over a multi-quarter horizon, higher revenue and expanding operating margins support internal capital generation, make underwriting losses more tolerable, and provide runway for strategic reinvestment or targeted M&A.
Read all positive factors
Southern Missouri Bancorp (SMBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$768.92M
Dividend Yield1.59%
Average Volume (3M)55.13K
Price to Earnings (P/E)10.3
Beta (1Y)0.90
Revenue Growth4.91%
EPS Growth20.39%
CountryUS
Employees693
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.01
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/Revenue2.62
Enterprise Value/Gross Profit4.40
Enterprise Value/Ebitda9.09
Forecast
1Y Price Target
$73.33Price Target Upside8.64% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)6.26
Revenue Forecast (FY)$200.40M
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 financin...
How the Company Makes Money
SMBC primarily makes money through its banking subsidiary by earning net interest income and generating noninterest income. Net interest income is the largest driver for most community banks and comes from the spread between (a) interest and fees ...
Southern Missouri Bancorp Key Performance Indicators (KPIs)
Southern Missouri Bancorp Earnings Call Summary
Earnings Call Date:Apr 22, 2026
(Q3-2026)
| % Change Since: |
Next Earnings Date:Jul 27, 2026
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.Positive Updates
Earnings and Profitability Trend
Diluted EPS of $1.60 for the March quarter (down $0.02 sequentially but up $0.21 year-over-year); return on assets above 1.40% for the last two quarters, supporting management's confidence in earnings durability.
Negative Updates
Elevated Credit Metrics and Nonperforming Assets
Nonperforming loans ~ $30 million (0.7% of gross loans) and nonperforming assets ~ $32 million, both increased sequentially ($480k NPL increase; $757k NPA increase); nonaccruals and NPAs remain elevated versus historical levels.
Read all updates
Q3-2026 Updates
Positive
Negative
Earnings and Profitability Trend
Diluted EPS of $1.60 for the March quarter (down $0.02 sequentially but up $0.21 year-over-year); return on assets above 1.40% for the last two quarters, supporting management's confidence in earnings durability.
Read all positive updates
Company Guidance
Management guided to limited near‑term NIM expansion absent further Fed cuts — Q3 NIM was 3.67% (up 10 bps linked), cost of funds 2.52%, loan yield 6.26%; $646M of fixed‑rate loans repricing avg 6.33% (new/renew ~6.50%), Q4 maturing fixed loans avg 7%, and ~$1.1B of CDs maturing avg 3.84% — so some pressure expected in Q4 with modest pickup early in the next fiscal year. They expect to be in position to reach the higher end of a mid‑single‑digit FY‑26 loan growth target after reporting gross loans +$96M Q (≈+$300M YoY, +7.4%), originations ~$282M (up $94M YoY), and a 90‑day pipeline of $178M (up from $159M). Credit metrics and reserves remain constructive: ACL $55.9M (1.29% of loans; 186% of NPLs), provision $2.1M, net charge‑offs 4 bps annualized, NPLs ~$30M (0.7%), NPAs ~$32M, and adversely classified loans $56M (1.3%). Capital and returns support shareholder activity and M&A: ROA >1.40% the past two quarters, tangible book $45.80 (+$5.43 or 13.5% YoY), repurchased 156k shares at $61.97 for $9.7M, capacity to retire $7.5M subordinated debt, deposits +$33M Q (+$80M YoY, +2%), and an expected effective tax run rate ~19.5–20%.Southern Missouri Bancorp Financial Statement Overview
Summary
Income Statement
84
Very Positive
Balance Sheet
78
Positive
Cash Flow
86
Very Positive
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 314.47M | 305.25M | 273.22M | 202.62M | 138.07M | 129.52M |
| Gross Profit | 187.31M | 176.08M | 160.73M | 135.89M | 123.28M | 113.75M |
| EBITDA | 90.67M | 84.02M | 73.20M | 57.02M | 65.83M | 65.13M |
| Net Income | 67.35M | 58.31M | 50.18M | 39.24M | 47.17M | 47.18M |
Balance Sheet | ||||||
| Total Assets | 5.14B | 5.02B | 4.60B | 4.36B | 3.21B | 2.70B |
| Cash, Cash Equivalents and Short-Term Investments | 532.40M | 653.95M | 489.30M | 472.77M | 326.95M | 331.59M |
| Total Debt | 148.28M | 142.28M | 134.60M | 156.62M | 61.01M | 72.77M |
| Total Liabilities | 4.57B | 4.47B | 4.12B | 3.91B | 2.89B | 2.42B |
| Stockholders Equity | 573.51M | 544.69M | 488.75M | 446.06M | 320.77M | 283.42M |
Cash Flow | ||||||
| Free Cash Flow | 92.39M | 75.29M | 61.22M | 55.98M | 62.73M | 48.91M |
| Operating Cash Flow | 93.87M | 81.56M | 70.27M | 62.02M | 67.34M | 51.76M |
| Investing Cash Flow | -284.32M | -285.11M | -245.74M | -213.41M | -303.93M | -101.92M |
| Financing Cash Flow | 56.59M | 335.51M | 182.39M | 118.55M | 199.80M | 119.50M |
Southern Missouri Bancorp Technical Analysis
Positive
67.50
Price Trends
63.91
Positive
62.01
Positive
58.00
Positive
Market Momentum
1.13
Negative
66.64
Neutral
55.82
Neutral
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 67.5 is above the 20-day moving average (MA) of 64.92, above the 50-day MA of 63.91, and above the 200-day MA of 58.00, indicating a bullish trend. The MACD of 1.13 indicates Negative momentum. The RSI at 66.64 is Neutral, neither overbought nor oversold. The STOCH value of 55.82 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SMBC.
Southern Missouri Bancorp Risk Analysis
Southern Missouri Bancorp disclosed 34 risk factors in its most recent earnings report. Southern Missouri Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Southern Missouri Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $768.92M | 10.27 | 12.00% | 1.59% | 4.91% | 20.39% | |
76 Outperform | $711.53M | 10.15 | 14.15% | 3.09% | -0.77% | 6.41% | |
74 Outperform | $722.92M | 12.01 | 9.72% | 0.84% | 12.40% | 38.38% | |
69 Neutral | $777.89M | 11.75 | 12.58% | 1.57% | 3.76% | 19.82% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | $618.30M | 54.77 | 10.76% | 0.84% | 5.79% | 76.61% |
* Financial Sector Average
SMBC
Southern Missouri Bancorp
69.22
15.71
29.35%
HIFS
Hingham Institution For Savings
283.59
22.71
8.70%
IBCP
Independent Bank
34.53
3.19
10.19%
SMBK
SmartFinancial
42.28
11.03
35.28%
SPFI
South Plains Financial
40.63
5.96
17.19%
Southern Missouri Bancorp Corporate Events
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
Southern Missouri Bancorp Highlights Q3 2026 Results, Strategy
Positive
May 5, 2026
Southern Missouri Bancorp presented investor materials dated May 4, 2026, ahead of its appearance at the DA Davidson Financial Institutions Conference, highlighting its community-focused culture, expanded service suite, and 10-year acquisition tra...
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
Southern Missouri Bancorp Posts Higher Q3 Earnings, Declares Dividend
Positive
Apr 23, 2026
Southern Missouri Bancorp reported preliminary net income of $17.8 million for the third quarter of fiscal 2026, up 13.3% from a year earlier, with diluted earnings per share rising to $1.60 and profitability metrics improving on the back of wider...
Business Operations and StrategyStock BuybackFinancial Disclosures
Southern Missouri Bancorp Announces Strong Q2 FY2026 Results
Positive
Feb 10, 2026
Southern Missouri Bancorp reported strong operating performance for the second quarter of fiscal 2026, with diluted earnings per share rising 24.6% year-on-year to $1.62 as of the quarter ended December 31, 2025, and returns on average assets and ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.