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Southern Missouri Bancorp, Inc. SMBC R2K

Financial Services · Banks - Regional · United States
https://www.bankwithsouthern.com
Company Profile ↓
$75.90
+34.52% 1Y
Mkt Cap$836.09M
P/E12.69
P/B1.46
Div. Yield1.33%
52W High$77.78
52W Low$47.27
Book Value$52.07
EPS (TTM)$5.98

Company Overview

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 deposits products, including interest-bearing and noninterest-bearing transaction accounts, money market deposit accounts, saving accounts, certificates of deposit, and retirement savings plans. It also provides loans secured by mortgages on one- to four-family residences and commercial and agricultural real estate; construction loans on residential and commercial properties; commercial and agricultural business loans; and consumer loans. In addition, the company offers fiduciary and investment management services; commercial and consumer insurance products; and debit or credit cards. The company was founded in 1887 and is headquartered in Poplar Bluff, Missouri.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 18.4% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 12.7, below the sector median of 13.5.

Healthy Margins

Maintains a net profit margin of 36.3%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +6.5%, earnings +15.2%.
  • 5-Year Trend Long-term compounding — profit CAGR 18.4%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:6.50%

Compounded Profit Growth

5 Years:18.44%
1 Year:15.20%

Stock Price Performance

1 Year:+34.52%
6 Months:+27.42%
3 Months:+13.94%
1 Month:+4.92%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 94% of range
$47.27 $77.78
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)61.24 · Neutral
Price Performance
1M+4.92%
3M+13.94%
6M+27.42%
1Y+34.52%
Valuation vs Sector

P/E of 12.69 is below the sector median of 13.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 36.3%.
  • Profit CAGR of 18.4% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
12.69
Industry PE
13.52
Forward P/E
11.54
PEG Ratio
1.07
Book Value
$52.07
Price to Book
1.46
P/S
4.51
EV/EBITDA
-
Dividend Yield
1.33%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
18.44%
Revenue (YoY)
6.50%
Earnings (YoY)
15.20%

Profitability & Returns

ROCE
-
ROE
12.22%
ROA
1.33%
Profit Margin
36.26%
Op Margin
48.28%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.60
EPS (TTM)
$5.98

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$155.61M
Total Assets
$5.14B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
14.56%
Chg in Prom Hold
-
FII / Inst Holding
57.42%
Chg in FII Hold
-0.14%

Financial Snapshot

Enterprise Value
$836.09M
Total Revenue (TTM)
$185.73M
EBITDA
-
Free Cash Flow
$75.29M
Operating Cash Flow
$93.87M
Shares Outstanding
11.02M
Gross Margin
0.00%
Payout Ratio
16.39%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 SMBC Southern Missouri Bancorp, Inc. R2K 75.90 12.69 $836.09M 1.33% - 12.22% - 18.44%
2 JPM JPMorgan Chase & Co. SPX 346.91 16.61 $929.55B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 488.35 14.54 $682.86B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 355.14 30.99 $589.43B 0.75% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 535.21 30.99 $469.40B 0.65% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 61.59 15.28 $432.24B 1.88% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 228.55 20.70 $360.49B 1.76% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,152.07 17.79 $339.87B 1.58% - 16.95% - 2.21%
9 WFC Wells Fargo & Company SPX 87.51 13.53 $267.80B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2015Dec 2015Mar 2016Sep 2016Dec 2016Mar 2017Sep 2017Dec 2017Mar 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Net Income 3.63M4.21M3.32M3.71M4.18M3.95M4.86M5.17M5.26K6.80M7.45M7.09M7.56M7.83M7.72M5.10M6.90M9.99M12.05M11.46M13.69M12.75M11.98M9.35M13.08M9.60M11.66M2.41M15.56M13.15M12.19M11.31M13.53M12.46M14.65M15.68M15.79M15.65M18.15M17.76M
Diluted EPS 0.480.560.450.500.560.530.560.600.600.760.810.760.810.850.840.550.761.091.321.271.531.431.341.031.411.041.260.221.371.161.070.991.191.101.301.391.391.381.621.60

Profit & Loss (Annual)

Figures in USD.

Metric Jun 2010Jun 2011Jun 2012Jun 2013Jun 2014Jun 2015Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Net Income 4.63M11.47M10.10M10.07M10.08M13.67M14.85M15.55M20.93M28.90M27.55M47.18M47.17M39.24M50.18M58.58M
Diluted EPS 1.955.123.321.441.451.791.982.072.393.142.995.225.213.854.425.18

Balance Sheet (Annual)

Figures in USD.

Metric Jun 2009Jun 2010Jun 2011Jun 2012Jun 2013Jun 2014Jun 2015Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Total Assets --688.20M739.19M796.39M1.02B1.30B1.40B1.71B1.89B2.21B2.54B2.70B3.21B4.36B4.60B5.02B
Total Equity --55.73M94.73M101.83M111.11M132.64M125.97M173.08M200.69M238.39M258.35M283.42M320.77M446.06M488.75M544.69M
Cash & Equivalents 8.07M33.38M33.90M33.42M12.79M14.93M16.77M22.55M30.79M26.33M35.40M54.24M123.59M86.79M53.98M60.90M192.86M
Total Liabilities --632.47M644.46M694.56M910.31M1.17B1.28B1.53B1.69B-2.28B2.42B2.89B3.91B4.12B4.47B
Current Liabilities ---------1.69B1.98B2.28B-----

Cash Flows (Annual)

Figures in USD.

Metric Jun 2010Jun 2011Jun 2012Jun 2013Jun 2014Jun 2015Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Operating Cash Flow 4.75M14.16M7.35M15.25M13.34M19.92M17.67M25.62M30.64M38.60M40.30M51.76M67.34M62.02M70.27M81.56M
Investing Cash Flow -31.21M13.68M-52.61M-83.31M-85.51M-26.30M-100.32M-123.12M-108.48M-112.99M-272.36M-101.92M-303.93M-213.41M-245.74M-285.11M
Financing Cash Flow 51.76M-27.33M44.78M47.42M74.31M8.22M88.43M105.73M73.38M83.47M250.90M119.50M199.80M118.55M182.39M335.51M
Capital Expenditure 1.13M1.14M4.23M-7.56M5.68M7.48M9.82M-3.03M-2.14M-7.70M-4.30M-2.86M-4.62M-6.04M-9.05M-6.26M
Free Cash Flow 5.88M15.30M11.58M7.70M19.02M27.39M27.49M22.58M28.51M30.91M36.00M48.91M62.73M55.98M61.22M75.29M
Dividends Paid --------3.83M4.76M5.51M5.60M7.19M8.63M9.53M10.38M

Ratios (Annual)

Figures in %.

Metric Jun 2010Jun 2011Jun 2012Jun 2013Jun 2014Jun 2015Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Gross Margin % ----------------
Operating Margin % ----------------
Net Margin % ----------------
ROE % -20.6%10.7%9.9%9.1%10.3%11.8%9.0%10.4%12.1%10.7%16.6%14.7%8.8%10.3%10.8%
ROCE % ----------------

Shareholding Pattern

Insiders
14.56%
Institutions
57.42%
Public Float
67.20%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 8.42% 927.65K $70.50M
2 Dimensional Fund Advisors LP 4.00% 440.84K $33.50M
3 Vanguard Capital Management LLC 3.92% 431.70K $32.81M
4 American Century Companies Inc 2.87% 315.81K $24.00M
5 State Street Corporation 2.56% 281.51K $21.39M
6 Clayton Financial Group LLC 2.55% 280.42K $21.31M
7 Manufacturers Life Insurance Co. 2.17% 238.99K $18.16M
8 Geode Capital Management, LLC 2.14% 235.77K $17.92M
9 Raffles Associates Lp 2.02% 222.88K $16.94M
10 FJ Capital Management LLC 1.84% 202.43K $15.38M

Analyst View

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Latest News

Recent headlines for SMBC

Google News Fri, 10 Jul 2026

Trading the Move, Not the Narrative: (SMBC) Edition - Stock Traders Daily

<a href="https://news.google.com/rss/articles/CBMixwFBVV95cUxNdk9JT0VhdDVjMkVTVFRkME0tNnk4WHoxaGtnYzJMWDFXd04weTd1eTV5SnVMZ2NLcGlQeDlWQ1hsZjg1SjFlenVoUHRCeG5IRDFTN0FMa1VtNUQ2cThSSV9NRjV5b0dBd25rSkZkZ2lxOUhkWks2VVlPZ01pYzgzc0tEOHU0VTNwRTdZeU…

Google News Wed, 01 Jul 2026

SMBC elevates 45 executives across the Americas, EMEA and Asia Pacific - Stock Titan

<a href="https://news.google.com/rss/articles/CBMimgFBVV95cUxPdmlRUWFHRHR6MG9DdEdjMG1QZ05EU3I5cVQzdk9uM3F1QTZ4OVliVW1OaTFRYnFqSE5IUEVtcVE5cnZHTEEtYU1DU2pjNnlLenprTGZ4TXNHTGxyUjctSzV1T2N3bmhpb3FhRjJXWGk1ZlFIQXE2YkhyY1hxQVRCd3VndkQxTm9mZnp3bG…

Google News hu, 04 Jun 2026

Southern Missouri Bancorp (SMBC) Upgraded to Buy: Here's What You Should Know - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMipwFBVV95cUxPQWZpMEZyMURxSm9FbWpWVFZQazNvY0tqbHJhbi10SGI0Z2ZHVkNHOW93Z25fNVdVSUR6LWMxY1l5c3BwbDNxVnVUVkdVYkdmY0lpcnJ4MEFqUmc3NkZFdFhZLWltelE5OVNpRUdha1B0SlRGdG1BSjBQREJ5UkNUTzRSSHRmZkt4OC11dV…

Google News ue, 24 Mar 2026

Jefferies: SMBC Takeover Rumors Look Speculative for Now - Morningstar

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Google News Wed, 24 Jun 2026

SMBC Nikko Reaffirms Their Hold Rating on DENSO (DNZOF) - The Globe and Mail

<a href="https://news.google.com/rss/articles/CBMi1gFBVV95cUxNUVEtd25CQjZtZ3VyR3JBUmg2WE5haDl6TTdkbFRqM2x5ODloRWdXb0dMdVBBb2dlWXhhM2UyN0Rfb1hibkRJUkNhWC1XYXRwTGVvR3Q2b1VKaVFWZFJmclJKdS1qYUtpc2ZyeWhRZWFnWFJEX3VjS3RZdC1YZUdHek0ycGFBbnRFckhSQT…

Google News Wed, 27 May 2026

Toshiba and SMBC build quantum-powered stock indexes for volatile markets - Stock Titan

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SMBC — Frequently Asked Questions

What is the current share price of Southern Missouri Bancorp, Inc. (SMBC)?

As of 2026-07-15 16:51 PDT, Southern Missouri Bancorp, Inc. (SMBC) trades at $75.90 on NasdaqGM. Its 52-week range is $47.27 to $77.78.

What is the market capitalisation of SMBC?

Southern Missouri Bancorp, Inc. (SMBC) has a market capitalisation of $836.09M on NasdaqGM.

What is the P/E ratio of SMBC?

SMBC trades at a trailing price-to-earnings (P/E) ratio of 12.69. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 1.46.

Does SMBC pay a dividend?

Southern Missouri Bancorp, Inc. (SMBC) currently offers a dividend yield of 1.33%.

What is the return on equity (ROE) of SMBC?

SMBC has a return on equity (ROE) of 12.22%.

Is SMBC a good stock to buy?

This page provides a data-driven analysis of Southern Missouri Bancorp, Inc. (SMBC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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