Southern Missouri Bancorp (SMBC) AI Stock Analysis

• Market Cap: $631.10M
• Dividend Yield: 1.68%
• Average Volume (3M): 56.64K
• Price to Earnings (P/E): 10.8
• Beta (1Y): 0.98
• Revenue Growth: 11.79%
• EPS Growth: 17.30%
• Country: US
• Employees: 693
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 1.39
• Shares Outstanding: 11,299,962
• 10 Day Avg. Volume: 37,258
• 30 Day Avg. Volume: 56,638
• PEG Ratio: 0.34
• Price to Book (P/B): 1.28
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 9.84
• Enterprise Value/Market Cap: 0.52
• Enterprise Value/Revenue: 0.32
• Enterprise Value/Gross Profit: 1.97
• Enterprise Value/Ebitda: 1.11
• 1Y Price Target: $63.00
• Price Target Upside: 15.22% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 74 Outperform
• Price Target: $61.00 ▲(11.56%Upside)

Southern Missouri Bancorp shows a strong financial foundation, highlighted by consistent growth and robust profitability. Technical indicators suggest a neutral outlook, while valuation metrics indicate potential undervaluation. Despite challenges in credit quality, the earnings call and corporate events present a balanced, cautiously optimistic picture.

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 makes money primarily through the interest income generated from its loan portfolio, which includes commercial, residential, and consumer loans. The company also earns revenue from service charges on deposit accounts and other banking services. Non-interest income sources, such as fees for mortgage banking and wealth management services, also contribute to its earnings. Key factors influencing the company's revenue include the interest rate environment, economic conditions in its operating regions, and its ability to effectively manage credit risk.

Southern Missouri Bancorp Financial Statement Overview

Summary

Southern Missouri Bancorp exhibits strong financial health with impressive revenue and profit growth, zero debt, and robust cash flow metrics. The company's strategic management of resources and efficient operational execution underpin its strong financial standing, earning a high financial performance score.

Income Statement

Southern Missouri Bancorp's income statement shows strong growth with a notable increase in total revenue from $124.77 million in 2022 to $255.19 million in TTM (Trailing-Twelve-Months). The gross profit margin remains robust at 100% due to the nature of banking revenue. The net profit margin for TTM is approximately 20.35%, which is healthy for the industry. EBIT and EBITDA margins, 39.2% and 25.5% respectively, indicate good operational efficiency. Revenue growth is strong over the past year, contributing to a high score.

Balance Sheet

The balance sheet reflects a strong equity position with a debt-to-equity ratio of 0, as total debt is zero. The return on equity (ROE) for TTM is about 10.14%, reflecting efficient use of equity. The equity ratio is 10.44%, indicating a stable financial structure. The absence of debt reduces financial risk and contributes to the company's stability.

Cash Flow

The cash flow statement highlights a strong operating cash flow of $69.17 million in TTM, with free cash flow growth remaining steady. The operating cash flow to net income ratio is 1.33, indicating strong cash generation capability. The free cash flow to net income ratio is 1.21, showing efficient cash conversion. These metrics reflect solid cash flow management, though there's room for improvement in growth rates.

Breakdown	TTM	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement
Total Revenue	278.85M	160.73M	152.95M	138.07M	129.52M	88.19M
Gross Profit	167.81M	160.73M	135.89M	123.28M	112.73M	88.19M
EBITDA	76.29M	73.20M	57.02M	65.83M	65.13M	39.99M
Net Income	51.95M	50.18M	39.24M	47.17M	47.18M	27.55M
Balance Sheet
Total Assets	4.91B	4.60B	4.36B	3.21B	2.70B	2.54B
Cash, Cash Equivalents and Short-Term Investments	613.89M	13.97M	472.77M	326.95M	1.19M	231.74M
Total Debt	130.25M	125.21M	156.62M	61.01M	72.77M	85.17M
Total Liabilities	4.40B	4.12B	3.91B	2.89B	2.42B	2.28B
Stockholders Equity	512.37M	488.75M	446.06M	320.77M	283.42M	258.35M
Cash Flow
Free Cash Flow	61.02M	61.22M	55.98M	62.73M	48.91M	36.00M
Operating Cash Flow	69.24M	70.27M	62.02M	67.34M	51.76M	40.30M
Investing Cash Flow	-351.04M	-245.74M	-213.41M	-303.93M	-101.92M	-272.36M
Financing Cash Flow	211.28M	182.39M	118.55M	199.80M	119.50M	250.90M

Southern Missouri Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 54.68
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SMBC, the sentiment is Negative. The current price of 54.68 is below the 20-day moving average (MA) of 56.55, above the 50-day MA of 54.57, and below the 200-day MA of 56.50, indicating a bearish trend. The MACD of 0.18 indicates Positive momentum. The RSI at 40.84 is Neutral, neither overbought nor oversold. The STOCH value of 11.93 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SMBC.

Southern Missouri Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TRST	83 Outperform	$652.38M	12.21	7.93%	4.20%	5.39%	8.80%
FSBC	81 Outperform	$661.98M	12.69	13.01%	2.58%	20.43%	1.84%
MCB	77 Outperform	$760.07M	11.42	9.72%	0.21%	9.96%	-0.17%
SMBC	74 Outperform	$631.10M	10.78	11.29%	1.68%	11.79%	17.30%
HTBK	73 Outperform	$592.86M	15.16	5.70%	5.59%	6.54%	-19.64%
Sector *	67 Neutral	$17.06B	11.24	9.31%	3.84%	11.08%	-3.39%
MOFG	51 Neutral	$577.81M	―	-9.58%	3.49%	-35.27%	-305.95%

Southern Missouri Bancorp Corporate Events

Southern Missouri Bancorp Highlights Strong Fiscal Performance

Southern Missouri Bancorp, Inc. presented its investor materials at the KBW Community Bank Investor Conference on July 29, 2025, highlighting its strong financial performance in fiscal 2025. The company reported a 17.2% increase in earnings per share, driven by robust net interest income and asset growth. The tangible book value per share rose by 14.1%, and loans increased by 6.6% compared to the previous year. The company also announced an 8.7% increase in its quarterly dividend, reflecting its strong capital position. These results underscore Southern Missouri Bancorp’s successful growth strategy and solidify its position in the banking industry.

The most recent analyst rating on (SMBC) stock is a Hold with a $51.00 price target. To see the full list of analyst forecasts on Southern Missouri Bancorp stock, see the SMBC Stock Forecast page.

Southern Missouri Bancorp Increases Quarterly Dividend by 8.7%

On July 22, 2025, Southern Missouri Bancorp declared its 125th consecutive quarterly dividend, increasing it by 8.7% to $0.25 per share, payable on August 29, 2025. The company reported a significant increase in net income for the fourth quarter of fiscal 2025, driven by higher net interest income and lower tax provisions, despite a rise in credit loss provisions and noninterest expenses. The company’s balance sheet showed growth in assets, loans, and deposits, reflecting strong operational performance and strategic growth in various loan segments.

The most recent analyst rating on (SMBC) stock is a Hold with a $51.00 price target. To see the full list of analyst forecasts on Southern Missouri Bancorp stock, see the SMBC Stock Forecast page.