Southern Missouri Bancorp (SMBC)
NASDAQ:SMBC
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Southern Missouri Bancorp
(NASDAQ:SMBC)
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Rating:79Outperform
Price Target:
$75.00
â–²(12.17% Upside)
Action:ReiteratedDate:02/12/26
The score is driven primarily by strong financial performance (solid profitability and cash generation with improving leverage) and supportive technical momentum (price above key moving averages with positive MACD). Valuation is reasonable but not deeply discounted, and earnings-call commentary is positive overall, tempered by localized credit issues and near-term repricing/seasonality risks.
Positive Factors
Strong cash generation
Free cash flow that closely tracks net income demonstrates high earnings quality and reliable internal funding. Over a multi-quarter horizon this supports dividend continuity, buybacks, capital for origination growth or M&A, and provides a cushion against credit volatility without heavy external financing.
Negative Factors
Localized credit deterioration
New nonaccruals highlight idiosyncratic credit stress within the loan book. If additional problem relationships emerge, provisions and charge-offs could rise, pressuring earnings and requiring higher ACLs, which would materially affect profitability and capital deployment over several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong cash generation
Free cash flow that closely tracks net income demonstrates high earnings quality and reliable internal funding. Over a multi-quarter horizon this supports dividend continuity, buybacks, capital for origination growth or M&A, and provides a cushion against credit volatility without heavy external financing.
Read all positive factors
Southern Missouri Bancorp (SMBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$742.14M
Dividend Yield1.59%
Average Volume (3M)55.13K
Price to Earnings (P/E)9.1
Beta (1Y)0.88
Revenue Growth9.34%
EPS Growth25.21%
CountryUS
Employees693
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.62
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 Cap1.02
Enterprise Value/Revenue2.41
Enterprise Value/Gross Profit4.09
Enterprise Value/Ebitda8.27
Forecast
1Y Price Target
$68.67Price Target Upside2.71% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)6.19
Revenue Forecast (FY)$200.30M
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
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 ra...
Southern Missouri Bancorp Key Performance Indicators (KPIs)
Southern Missouri Bancorp Earnings Call Summary
Earnings Call Date:Jan 21, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:May 04, 2026
Earnings Call Sentiment Positive
The call reflects solid operational and financial momentum: materially stronger EPS, higher net interest income year-over-year, robust loan originations, improved net interest margin when adjusted for two troubled credits, growing core deposits, strengthened tangible book value and active capital return via buybacks. Offsetting these positives are modest increases in nonperforming assets driven by two specific relationships, ongoing agricultural sector pressure for certain borrowers, seasonal constraints limiting near-term loan growth, and some margin/rehabbing risks from maturities and prepayments. Management characterizes problem assets as manageable, highlighted a meaningful recovery in a previously discussed specialty CRE relationship, maintained prudent underwriting and increased reserves where appropriate. Overall, the highlights outweigh the lowlights, with execution, capital flexibility and improving credit trends supporting a constructive outlook despite localized credit and seasonal challenges.Positive Updates
Earnings Per Share Growth
Diluted EPS of $1.62 for the quarter, up $0.24 (17.4%) sequentially and up $0.32 (24.6%) year-over-year, reflecting improved profitability.
Negative Updates
Increase in Nonperforming Assets and Classified Loans
Nonperforming loans ~$30 million (0.7% of gross loans), up $3.6 million sequentially; nonperforming assets ~$31 million, up $4 million; adversely classified loans ~$59 million (1.4% of gross loans), up $4 million sequentially.
Read all updates
Q2-2026 Updates
Positive
Negative
Earnings Per Share Growth
Diluted EPS of $1.62 for the quarter, up $0.24 (17.4%) sequentially and up $0.32 (24.6%) year-over-year, reflecting improved profitability.
Read all positive updates
Company Guidance
The company guided to continued mid-single-digit loan growth for fiscal 2026, noting strong production (almost $312 million of originations in the quarter), a $159 million loan pipeline, and gross loans up $35 million quarter-over-quarter and nearly $200 million (≈5%) year-over-year; they expect limited net loan growth in the March quarter due to seasonality. On margin and funding, they cited a December NIM of 3.57% (3.63% adjusted), net interest income up just over 1% QoQ and 12.4% YoY, potential further spread support from lower deposit costs (deposit betas around 40%), about $619 million of fixed-rate loans maturing in 12 months, and roughly $1.2 billion of CDs rolling with an average rate near 4% versus current originations at ~3.6%. Capital and credit guidance emphasized continued reserve adequacy and problem-asset remediation (ACL $54.5 million, 1.29% of gross loans and 184% of NPLs), a provision of about $1.7 million (down $2.8 million QoQ), NPLs ~$30 million (0.7%), ROA just over 1.4%, tangible book value $44.65 (up ~15% YoY), ongoing disciplined capital returns (148k shares repurchased for $8.1 million in the quarter and a new authorization to repurchase up to 550,000 shares), and only modest near-term pressure expected absent unexpected credit deterioration.Southern Missouri Bancorp Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
74
Positive
Cash Flow
79
Positive
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 313.08M | 305.25M | 273.22M | 202.62M | 138.07M | 129.52M |
| Gross Profit | 184.46M | 176.08M | 160.73M | 135.89M | 123.28M | 113.75M |
| EBITDA | 91.09M | 84.02M | 73.20M | 57.02M | 65.83M | 65.13M |
| Net Income | 65.20M | 58.31M | 50.18M | 39.24M | 47.17M | 47.18M |
Balance Sheet | ||||||
| Total Assets | 5.09B | 5.02B | 4.60B | 4.36B | 3.21B | 2.70B |
| Cash, Cash Equivalents and Short-Term Investments | 579.27M | 653.95M | 489.30M | 472.77M | 326.95M | 331.59M |
| Total Debt | 145.28M | 142.28M | 134.60M | 156.62M | 61.01M | 72.77M |
| Total Liabilities | 4.53B | 4.47B | 4.12B | 3.91B | 2.89B | 2.42B |
| Stockholders Equity | 567.36M | 544.69M | 488.75M | 446.06M | 320.77M | 283.42M |
Cash Flow | ||||||
| Free Cash Flow | 84.13M | 75.29M | 61.22M | 55.98M | 62.73M | 48.91M |
| Operating Cash Flow | 88.98M | 81.56M | 70.27M | 62.02M | 67.34M | 51.76M |
| Investing Cash Flow | -179.16M | -285.11M | -245.74M | -213.41M | -303.93M | -101.92M |
| Financing Cash Flow | 78.41M | 335.51M | 182.39M | 118.55M | 199.80M | 119.50M |
Southern Missouri Bancorp Technical Analysis
Positive
66.86
Price Trends
63.78
Positive
61.61
Positive
57.82
Positive
Market Momentum
1.17
Negative
68.22
Neutral
75.08
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 66.86 is above the 20-day moving average (MA) of 64.15, above the 50-day MA of 63.78, and above the 200-day MA of 57.82, indicating a bullish trend. The MACD of 1.17 indicates Negative momentum. The RSI at 68.22 is Neutral, neither overbought nor oversold. The STOCH value of 75.08 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 |
|---|---|---|---|---|---|---|---|
79 Outperform | $742.14M | 9.08 | 11.54% | 1.59% | 9.34% | 25.21% | |
75 Outperform | $721.69M | 10.33 | 12.51% | 1.57% | 5.87% | 37.99% | |
74 Outperform | $823.50M | 12.18 | 6.83% | 4.16% | 8.23% | -0.07% | |
73 Outperform | $725.25M | 12.33 | 9.01% | 0.84% | 13.41% | 41.78% | |
70 Outperform | $716.27M | 9.81 | 14.20% | 3.09% | 4.29% | 10.56% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $665.17M | 11.36 | 11.96% | 0.84% | 8.26% | 94.53% |
* Financial Sector Average
SMBC
Southern Missouri Bancorp
66.86
19.13
40.07%
HTBK
Heritage Commerce
13.30
5.29
66.04%
HIFS
Hingham Institution For Savings
304.15
72.29
31.18%
IBCP
Independent Bank
34.74
6.28
22.08%
SMBK
SmartFinancial
42.49
14.56
52.12%
SPFI
South Plains Financial
44.30
13.04
41.71%
Southern Missouri Bancorp Corporate Events
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 ...
Stock BuybackDividendsFinancial Disclosures
Southern Missouri Bancorp Posts Strong Q2 Results, New Buyback
Positive
Jan 22, 2026
On January 21, 2026, Southern Missouri Bancorp reported preliminary net income of $18.2 million for the second quarter of fiscal 2026, up 23.9% year-on-year, with diluted earnings per share rising to $1.62, supported by higher net interest income ...
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.