Southern Missouri Bancorp (SMBC) AI Stock Analysis

• Market Cap: $543.19M
• Dividend Yield: 1.86%
• Average Volume (3M): 54.24K
• Price to Earnings (P/E): 9.3
• Beta (1Y): 0.95
• Revenue Growth: 11.74%
• EPS Growth: 17.30%
• 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: 57,171
• 30 Day Avg. Volume: 54,240
• PEG Ratio: 0.61
• Price to Book (P/B): 1.13
• Price to Sales (P/S): 2.02
• P/FCF Ratio: 41.45
• Enterprise Value/Market Cap: 1.06
• Enterprise Value/Revenue: 1.91
• Enterprise Value/Gross Profit: 3.32
• Enterprise Value/Ebitda: 7.00
• 1Y Price Target: $63.33
• Price Target Upside: 26.31% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 74 Outperform
• Price Target: $61.00 ▲(21.66% 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. (SMBC) is a financial holding company that provides a wide range of banking services through its subsidiary, Southern Bank. Operating primarily in Southern Missouri and Northern Arkansas, the company offers traditional banking products such as deposit accounts, loans, and other financial services to individuals, families, and businesses. Southern Bank focuses on building strong customer relationships and supporting local communities through its network of branches.

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 demonstrates strong financial performance with robust growth metrics across income, balance sheet, and cash flow statements. Consistent revenue growth, efficient cost management, and healthy profitability are key strengths.

Income Statement

Southern Missouri Bancorp demonstrates strong financial performance with a solid growth trajectory. The Gross Profit Margin and Net Profit Margin are robust, reflecting efficient operations and cost management. The company has shown consistent revenue growth, particularly noted in the TTM period, which is a positive indicator for future performance. EBIT and EBITDA margins are healthy, suggesting effective management of operating expenses and strong profitability.

Balance Sheet

The balance sheet of Southern Missouri Bancorp is stable with a favorable Debt-to-Equity Ratio, indicating low financial leverage and prudent management of liabilities. The Return on Equity is commendable, highlighting effective use of shareholder funds to generate profits. The Equity Ratio is strong, demonstrating a solid capital base and financial resilience.

Cash Flow

The cash flow position is solid with steady Free Cash Flow growth, indicating effective cash management and operational efficiency. The Operating Cash Flow to Net Income Ratio is healthy, showcasing strong cash-generating ability relative to net earnings. The Free Cash Flow to Net Income Ratio also supports the company's capability to convert profits into cash flow, enhancing financial flexibility.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	299.83M	305.25M	273.22M	202.62M	138.07M	129.52M
Gross Profit	172.93M	0.00	160.73M	135.89M	123.28M	112.73M
EBITDA	81.95M	73.99M	73.20M	57.02M	65.83M	65.13M
Net Income	56.25M	58.31M	50.18M	39.24M	47.17M	47.18M
Balance Sheet
Total Assets	4.98B	5.02B	4.60B	4.36B	3.21B	2.70B
Cash, Cash Equivalents and Short-Term Investments	398.77M	653.95M	489.30M	472.77M	326.95M	331.59M
Total Debt	142.27M	142.28M	125.21M	156.62M	61.01M	72.77M
Total Liabilities	4.45B	4.47B	4.12B	3.91B	2.89B	2.42B
Stockholders Equity	528.79M	544.69M	488.75M	446.06M	320.77M	283.42M
Cash Flow
Free Cash Flow	62.75M	14.86M	61.22M	55.98M	62.73M	48.91M
Operating Cash Flow	69.45M	14.86M	70.27M	62.02M	67.34M	51.76M
Investing Cash Flow	-279.84M	0.00	-245.74M	-213.41M	-303.93M	-101.92M
Financing Cash Flow	269.00M	-10.38M	182.39M	118.55M	199.80M	119.50M

Southern Missouri Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 50.14
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 50.14 is below the 20-day moving average (MA) of 51.51, below the 50-day MA of 54.30, and below the 200-day MA of 54.16, indicating a bearish trend. The MACD of -1.37 indicates Positive momentum. The RSI at 42.76 is Neutral, neither overbought nor oversold. The STOCH value of 49.56 is Neutral, 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
SMBC	74 Outperform	$543.19M	9.29	11.29%	1.86%	11.74%	17.30%
SMBK	73 Outperform	$587.20M	13.94	9.01%	0.88%	12.06%	41.78%
HTBK	72 Outperform	$605.25M	15.09	5.70%	5.26%	6.63%	-19.64%
IBCP	72 Outperform	$665.40M	10.46	14.39%	3.17%	3.17%	-1.53%
SPFI	70 Outperform	$613.10M	11.55	12.52%	1.59%	6.07%	20.59%
HIFS	68 Neutral	$633.01M	14.14	10.23%	0.83%	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 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.