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Southern Missouri Bancorp (SMBC)
NASDAQ:SMBC
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Southern Missouri Bancorp (SMBC) AI Stock Analysis

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SMBC

Southern Missouri Bancorp

(NASDAQ:SMBC)

Rating:74Outperform
Price Target:
$61.00
▲(10.71% 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 (SMBC) vs. SPDR S&P 500 ETF (SPY)

Southern Missouri Bancorp Business Overview & Revenue Model

Company DescriptionSouthern 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 MoneySouthern 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 Earnings Call Summary

Earnings Call Date:Jul 29, 2025
(Q4-2025)
|
% Change Since: -0.90%|
Next Earnings Date:Oct 27, 2025
Earnings Call Sentiment Neutral
The earnings call reflected strong financial performance with notable earnings growth, dividend increases, and improved net interest margins. However, there are concerns about credit quality deterioration, increased provisions for credit losses, and challenges in the agricultural sector.
Q4-2025 Updates
Positive Updates
Earnings Growth
Earnings per share in the June quarter were $1.39, unchanged from the March quarter but up $0.20 from the June 2024 quarter, marking a 17% growth year-over-year. For the full year fiscal '25, earnings were $5.18, up from $4.42 in fiscal '24.
Dividend Increase
Announced a $0.02 or 8.7% increase in the quarterly dividend, bringing it to $0.25 per share.
Net Interest Margin Improvement
Net interest margin for the quarter was 3.46%, up from 3.39% in the previous quarter, benefiting from higher loan yields and deploying lower-yielding excess interest-earning cash into higher-yielding loans.
Loan Growth
Gross loan balances increased by $76 million during the quarter and $250 million compared to the previous year, with a pipeline of $224 million expected in the next 90 days.
Tangible Book Value Increase
Tangible book value per share increased by $5.19 or just above 14% over the last 12 months to $41.87.
Negative Updates
Credit Quality Deterioration
Adversely classified loans totaled $50 million or 1.2% of total loans, with nonperforming loans increasing to $23 million, up $1.1 million from the previous quarter.
Increase in Provision for Credit Losses
Provision for credit losses was $2.5 million, up $1.6 million from the linked quarter, primarily to support loan growth and increased net charge-offs.
Agricultural Sector Challenges
Farmers are facing rising input costs, lower commodity prices, and weak future pricing. Some farmers have decided to wind down operations due to profitability concerns.
Nonperforming Loans Increase
Nonperforming loans increased due to a construction loan related to a senior living facility being placed on nonaccrual status and additional issues with nonowner-occupied CRE properties.
Company Guidance
During the Southern Missouri Bancorp earnings call, the company reported a solid financial performance for the final quarter of fiscal year 2025, with earnings per diluted share at $1.39, unchanged from the previous quarter but up 17% year-over-year. The net interest margin improved to 3.46%, with plans to adjust the calculation method in fiscal 2026 to reduce volatility. Gross loan balances increased by $76 million, or 7.6% annualized, while deposit balances rose by $20 million or about 2% annualized. Despite an increase in provision for credit losses to $2.5 million, up from $932,000 in the previous quarter, the company remains optimistic about fiscal 2026, expecting mid-single-digit loan growth. Additionally, Southern Missouri Bancorp announced a dividend increase of $0.02, bringing it to $0.25 per share, reflecting their strong capital position. The company continues to focus on credit quality, with adversely classified loans totaling $50 million, or 1.2% of total loans, and nonperforming loans at $23 million, representing 0.56% of gross loans. The call also highlighted challenges in the agricultural sector, with rising input costs and soft commodity prices impacting farmers' profitability.

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
87
Very Positive
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
82
Very Positive
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
79
Positive
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue299.83M273.22M202.62M138.07M129.52M121.80M
Gross Profit172.93M160.73M135.89M123.28M112.73M88.19M
EBITDA81.95M73.20M57.02M65.83M65.13M39.99M
Net Income56.25M50.18M39.24M47.17M47.18M27.55M
Balance Sheet
Total Assets4.98B4.60B4.36B3.21B2.70B2.54B
Cash, Cash Equivalents and Short-Term Investments398.77M489.30M472.77M326.95M331.59M231.74M
Total Debt142.27M125.21M156.62M61.01M72.77M85.17M
Total Liabilities4.45B4.12B3.91B2.89B2.42B2.28B
Stockholders Equity528.79M488.75M446.06M320.77M283.42M258.35M
Cash Flow
Free Cash Flow62.75M61.22M55.98M62.73M48.91M36.00M
Operating Cash Flow69.45M70.27M62.02M67.34M51.76M40.30M
Investing Cash Flow-279.84M-245.74M-213.41M-303.93M-101.92M-272.36M
Financing Cash Flow269.00M182.39M118.55M199.80M119.50M250.90M

Southern Missouri Bancorp Technical Analysis

Technical Analysis Sentiment
Positive
Last Price55.10
Price Trends
50DMA
54.54
Positive
100DMA
53.07
Positive
200DMA
55.92
Negative
Market Momentum
MACD
-0.18
Negative
RSI
51.81
Neutral
STOCH
57.98
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 55.1 is above the 20-day moving average (MA) of 54.22, above the 50-day MA of 54.54, and below the 200-day MA of 55.92, indicating a neutral trend. The MACD of -0.18 indicates Negative momentum. The RSI at 51.81 is Neutral, neither overbought nor oversold. The STOCH value of 57.98 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
81
Outperform
$666.68M12.7813.01%2.56%20.43%1.84%
79
Outperform
$668.08M12.617.93%4.07%5.39%8.80%
74
Outperform
$613.36M10.4811.29%1.72%11.79%17.30%
73
Outperform
$760.45M11.829.72%0.21%9.96%-0.17%
73
Outperform
$605.87M15.535.70%5.32%6.63%-19.64%
68
Neutral
$17.52B11.7210.45%3.85%9.75%2.39%
56
Neutral
$593.65M-9.58%3.40%-35.26%-305.96%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
SMBC
Southern Missouri Bancorp
55.10
1.37
2.55%
HTBK
Heritage Commerce
9.78
0.61
6.65%
MOFG
Midwestone Financial Group
28.57
2.05
7.73%
TRST
TrustCo Bank
36.00
4.39
13.89%
MCB
Metropolitan Bank Holding
72.71
24.55
50.98%
FSBC
Five Star
31.42
3.88
14.09%

Southern Missouri Bancorp Corporate Events

DividendsBusiness Operations and StrategyFinancial Disclosures
Southern Missouri Bancorp Highlights Strong Fiscal Performance
Positive
Jul 28, 2025

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.

DividendsFinancial Disclosures
Southern Missouri Bancorp Increases Quarterly Dividend by 8.7%
Positive
Jul 23, 2025

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.

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.Date of analysis: Jul 31, 2025