SMBC Stock Analysis: Southern Missouri Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 793m USD | 12M Return: 34.7% | US8433801060 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.92M
EPS Trend: 88.2%
Qual. Beats: 5
Rev. Trend: 92.0%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Southern Missouri Bancorp, Inc. (NASDAQ: SMBC) is a bank holding company that operates through its subsidiary, Southern Bank, providing a range of banking and financial services to individual and corporate customers in the United States. Its deposit offerings include transaction accounts, money market accounts, savings accounts, certificates of deposit, and retirement savings plans, while its lending activities span residential mortgages, commercial and agricultural real estate loans, construction loans, commercial and agricultural business loans, and consumer loans. Beyond traditional banking, the company also provides fiduciary and investment management services, commercial and consumer insurance products, and debit and credit cards. Founded in 1887, the company is headquartered in Poplar Bluff, Missouri.
As a regional bank holding company within the Financials sector, SMBC operates a traditional community banking model that combines core deposit gathering and relationship-based lending with fee-generating services such as wealth management and insurance. This diversification of revenue streams beyond net interest income is a common strategy among small-cap U.S. community banks, which often rely on cross-selling to deepen customer relationships and improve profitability.
- Net interest margin expands on Fed rate hikes and deposit repricing
- Commercial real estate loan growth accelerates across Missouri footprint
- Rising deposit costs pressure margins amid regional bank competition
| Net Income: 71.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.04 > 1.0 |
| NWC/Revenue: 142.7% < 20% (prev 128.2%; Δ 14.50% < -1%) |
| CFO/TA 0.02 > 3% & CFO 80.5m > Net Income 71.8m |
| Net Debt (-393.5m) to EBITDA (96.8m): -4.06 < 3 |
| Current Ratio: 1.10 > 1.5 & < 3 |
| Outstanding Shares: last quarter (11.0m) vs 12m ago -2.32% < -2% |
| Gross Margin: 61.66% > 18% (prev 57.66%; Δ 4.00% > 0.5%) |
| Asset Turnover: 6.03% > 50% (prev 6.08%; Δ -0.05% > 0%) |
| Interest Coverage Ratio: 0.76 > 6 (EBIT TTM 88.8m / Interest Expense TTM 116.1m) |
| A: 0.08 (Total Current Assets 4.88b - Total Current Liabilities 4.44b) / Total Assets 5.23b |
| B: 0.07 (Retained Earnings 389.6m / Total Assets 5.23b) |
| C: 0.02 (EBIT TTM 88.8m / Avg Total Assets 5.13b) |
| D: 0.13 (Book Value of Equity 590.7m / Total Liabilities 4.64b) |
| Altman-Z'' = 1.05 = BB |
| DSRI: 1.06 (Receivables 4.34b/4.05b, Revenue 309.3m/305.3m) |
| GMI: 0.94 (GM 57.66% / 61.66%) |
| AQI: 1.14 (AQ_t 0.05 / AQ_t-1 0.04) |
| SGI: 1.01 (Revenue 309.3m / 305.3m) |
| TATA: -0.00 (NI 71.8m - CFO 80.5m) / TA 5.23b) |
| Beneish M = -2.95 (Cap -4..+1) = A |
As of September 27, 2026, the stock is trading at USD 72.26 with a total of 68,722 shares traded. Over the past week, the price has changed by -0.32%, over one month by -2.36%, over three months by -3.01% and over the past year by +34.70%.
Current recommended Stop Loss: 69.00 (which is 4.5% or 2.5 ATR below the current price).
Southern Missouri Bancorp has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy SMBC.
- StrongBuy: 1
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 83.7 | 15.8% |
P/E Trailing = 11.2022
P/E Forward = 8.8339
P/S = 4.2198
P/B = 1.3501
P/EG = 1.0655
Revenue TTM = 309.3m USD
EBIT TTM = 88.8m USD
EBITDA TTM = 96.8m USD
Long Term Debt = 146.2m USD (from longTermDebt, last quarter)
Short Term Debt = 20.0m USD (from shortTermDebt, last quarter)
Debt = 148.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -393.5m USD (calculated: Debt 148.3m - CCE 541.7m)
Enterprise Value = 399.8m USD (793.3m + Debt 148.3m - CCE 541.7m)
Interest Coverage Ratio = 0.76 (Ebit TTM 88.8m / Interest Expense TTM 116.1m)
EV/FCF = 5.22x (Enterprise Value 399.8m / FCF TTM 76.6m)
FCF Yield = 19.15% (FCF TTM 76.6m / Enterprise Value 399.8m)
FCF Margin = 24.75% (FCF TTM 76.6m / Revenue TTM 309.3m)
Net Margin = 23.23% (Net Income TTM 71.8m / Revenue TTM 309.3m)
Gross Margin = 61.66% ((Revenue TTM 309.3m - Cost of Revenue TTM 118.6m) / Revenue TTM)
Gross Margin QoQ = 66.69% (prev 61.66%)
Tobins Q-Ratio = 0.08 (Enterprise Value 399.8m / Total Assets 5.23b)
Interest Expense / Debt = 78.32% (Interest Expense 116.1m / Debt 148.3m)
Taxrate = 17.52% (15.3m / 87.1m)
NOPAT = 73.2m (EBIT 88.8m * (1 - 17.52%))
Current Ratio = 1.10 (Total Current Assets 4.88b / Total Current Liabilities 4.44b)
Debt / Equity = 0.25 (Debt 148.3m / totalStockholderEquity, last quarter 590.7m)
Debt / EBITDA = -4.06 (Net Debt -393.5m / EBITDA 96.8m)
Debt / FCF = -5.14 (Net Debt -393.5m / FCF TTM 76.6m)
Total Stockholder Equity = 572.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.40% (Net Income 71.8m / Total Assets 5.23b)
RoE = 12.54% (Net Income TTM 71.8m / Total Stockholder Equity 572.9m)
RoCE = 12.35% (EBIT 88.8m / Capital Employed (Equity 572.9m + L.T.Debt 146.2m))
RoIC = 9.13% (NOPAT 73.2m / Invested Capital 802.3m)
WACC = 6.95% (E(793.3m)/V(941.6m) * Re(8.25%) + (debt cost/tax rate unavailable))
Discount Rate = 8.25% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -82.32 | Cagr: -1.20%
[DCF] Terminal Value 75.66% ; FCFF base≈76.1m ; Y1≈77.4m ; Y5≈84.4m
[DCF] Fair Price = 154.5 (EV 1.31b - Net Debt -393.5m = Equity 1.70b / Shares 11.0m; r=8.35% [WACC [floored]]; 5y FCF grow 1.69% → 2.50% )
EPS Correlation: 88.20 | EPS CAGR: 13.60% | SUE: 3.07 | # QB: 5
Revenue Correlation: 91.98 | Revenue CAGR: 11.25% | SUE: 2.90 | # QB: 1
EPS current Quarter (2026-09-30): EPS=1.64 | Chg30d=-1.01% | Revisions=+40% | Analysts=4
EPS next Quarter (2026-12-31): EPS=1.73 | Chg30d=+0.10% | Revisions=+40% | Analysts=4
EPS current Year (2027-06-30): EPS=6.70 | Chg30d=-0.37% | Revisions=+0% | GrowthEPS=+4.2% | GrowthRev=+5.2%
EPS next Year (2028-06-30): EPS=7.05 | Chg30d=-1.40% | Revisions=+0% | GrowthEPS=+5.2% | GrowthRev=+4.5%
[Analyst] Revisions Ratio: +44% (up=5, down=1)