Southern Missouri Bancorp, Inc. SMBC R2K

Financial Services · Banks - Regional · United States

https://www.bankwithsouthern.com

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.

Market & Price

Market Cap

$760.74M

Current Price

$69.06

High / Low (52W)

$69.89 / $47.27

Beta

0.89

Valuation

Stock P/E

11.55

Industry PE

12.01

Forward P/E

10.23

PEG Ratio

1.07

Book Value

$50.92

Price to Book

1.36

P/S

4.10

EV/EBITDA

Dividend Yield

1.45%

Profitability & Returns

ROCE

ROE

12.22%

ROA

1.33%

Profit Margin

36.26%

Op Margin

48.28%

EPS (Latest Qtr)

$1.60

EPS (TTM)

$5.98

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$155.61M

Total Assets

$5.02B

Current Assets

Working Capital

Ownership

Promoter Holding

14.52%

Chg in Prom Hold

FII / Inst Holding

57.79%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$822.51M

Total Revenue (TTM)

$185.73M

EBITDA

Free Cash Flow

Operating Cash Flow

$93.87M

Shares Outstanding

11.02M

Gross Margin

0.00%

Payout Ratio

16.39%

Growth (CAGR)

Revenue 5Y

13.54%

Profit 5Y

7.49%

Revenue (YoY)

6.50%

Earnings (YoY)

15.20%

PROS

Excellent profit margin of 36.3%.
Compounding revenue at 13.5% over 5 years.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	SMBC Southern Missouri Bancorp, Inc. R2K	69.06	11.55	$760.74M	1.45%	-	12.22%	13.54%	7.49%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2015	Dec 2015	Mar 2016	Sep 2016	Dec 2016	Mar 2017	Sep 2017	Dec 2017	Mar 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	46.15M	47.61M	48.99M	49.65M	50.24M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	30.45M	30.30M	30.61M	29.36M	27.80M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	19.82M	19.14M	19.44M	22.70M	21.94M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.14M	3.35M	3.79M	4.55M	4.18M
Net Income	3.63M	4.21M	3.32M	3.71M	4.18M	3.95M	4.86M	5.17M	5.26K	6.80M	7.45M	7.09M	7.56M	7.83M	7.72M	5.10M	6.90M	9.99M	12.05M	11.46M	13.69M	12.75M	11.98M	9.35M	13.08M	9.60M	11.66M	2.41M	15.56M	13.15M	12.19M	11.31M	13.53M	12.46M	-	15.68M	15.79M	15.65M	18.15M	17.76M
Diluted EPS	0.48	0.56	0.45	0.50	0.56	0.53	0.56	0.60	0.60	0.76	0.81	0.76	0.81	0.85	0.84	0.55	0.76	1.09	1.32	1.27	1.53	1.43	1.34	1.03	1.41	1.04	1.26	0.22	1.37	1.16	1.07	0.99	1.19	1.10	-	1.39	1.39	1.38	1.62	1.60

Profit & Loss (Annual)

Figures in USD.

Metric	Jun 2010	Jun 2011	Jun 2012	Jun 2013	Jun 2014	Jun 2015	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	124.77M	152.95M	164.33M	182.60M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	13.30M	49.67M	108.89M	122.75M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	59.90M	49.46M	63.11M	73.99M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	12.73M	10.23M	12.93M	15.42M
Net Income	4.63M	11.47M	10.10M	10.07M	10.08M	13.67M	14.85M	15.55M	20.93M	28.90M	27.55M	-	47.17M	39.24M	50.18M	58.58M
Diluted EPS	1.95	5.12	3.32	1.44	1.45	1.79	1.98	2.07	2.39	3.14	2.99	5.21	5.22	3.85	4.41	-

Compounded Sales Growth

5 Years:	13.54%
1 Year:	6.50%

Compounded Profit Growth

5 Years:	7.49%
1 Year:	15.20%

Stock Price Performance

1 Year:	+33.35%
6 Months:	+22.88%
3 Months:	+11.96%
1 Month:	+1.65%

Balance Sheet (Annual)

Figures in USD.

Metric	Jun 2009	Jun 2010	Jun 2011	Jun 2012	Jun 2013	Jun 2014	Jun 2015	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Total Assets	-	-	688.20M	739.19M	796.39M	1.02B	1.30B	1.40B	1.71B	1.89B	2.21B	2.54B	-	3.21B	4.36B	4.60B	5.02B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	8.07M	33.38M	33.90M	33.42M	12.79M	14.93M	16.77M	22.55M	30.79M	26.33M	35.40M	54.24M	-	91.56M	55.22M	61.40M	193.10M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	11.05M	18.87M	23.83M	26.02M
Total Liabilities	-	-	632.47M	644.46M	694.56M	910.31M	1.17B	1.28B	1.53B	1.69B	-	2.28B	-	2.89B	3.91B	4.12B	4.47B
Current Liabilities	-	-	-	-	-	-	-	-	-	1.69B	1.98B	2.28B	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	61.01M	156.62M	125.21M	127.26M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	61.01M	156.62M	125.21M	127.26M
Total Equity	-	-	55.73M	94.73M	101.83M	111.11M	132.64M	125.97M	173.08M	200.69M	238.39M	258.35M	-	320.77M	446.06M	488.75M	544.69M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	9.82M	11.92M	11.96M	11.98M

Cash Flows (Annual)

Figures in USD.

Metric	Jun 2010	Jun 2011	Jun 2012	Jun 2013	Jun 2014	Jun 2015	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Operating Cash Flow	4.75M	14.16M	7.35M	15.25M	13.34M	19.92M	17.67M	25.62M	30.64M	38.60M	40.30M	-	67.34M	62.02M	70.27M	81.56M
Investing Cash Flow	-31.21M	13.68M	-52.61M	-83.31M	-85.51M	-26.30M	-100.32M	-123.12M	-108.48M	-112.99M	-272.36M	-	-303.93M	-213.41M	-245.74M	-285.11M
Financing Cash Flow	51.76M	-27.33M	44.78M	47.42M	74.31M	8.22M	88.43M	105.73M	73.38M	83.47M	250.90M	-	199.80M	118.55M	182.39M	335.51M
Capital Expenditure	1.13M	1.14M	4.23M	-7.56M	5.68M	7.48M	9.82M	-3.03M	-2.14M	-7.70M	-4.30M	-	-4.62M	-6.04M	-9.05M	-6.26M
Free Cash Flow	5.88M	15.30M	11.58M	7.70M	19.02M	27.39M	27.49M	22.58M	28.51M	30.91M	36.00M	-	62.73M	55.98M	61.22M	75.29M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-36.78M	-32.83M	6.92M	131.96M
Dividends Paid	-	-	-	-	-	-	-	-	3.83M	4.76M	5.51M	5.60M	7.19M	8.63M	9.53M	10.38M

Ratios (Annual)

Figures in %.

Metric	Jun 2010	Jun 2011	Jun 2012	Jun 2013	Jun 2014	Jun 2015	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	37.8%	25.7%	30.5%	32.1%
ROE %	-	20.6%	10.7%	9.9%	9.1%	10.3%	11.8%	9.0%	10.4%	12.1%	10.7%	-	14.7%	8.8%	10.3%	10.8%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

14.52%

Institutions

57.79%

Public Float

67.61%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	8.42%	927.65K	$64.06M
2	Dimensional Fund Advisors LP	4.00%	440.84K	$30.44M
3	Vanguard Capital Management LLC	3.92%	431.70K	$29.81M
4	American Century Companies Inc	2.87%	315.81K	$21.81M
5	State Street Corporation	2.56%	281.51K	$19.44M
6	Clayton Financial Group LLC	2.55%	280.42K	$19.37M
7	Manufacturers Life Insurance Co.	2.17%	238.99K	$16.50M
8	Geode Capital Management, LLC	2.14%	235.77K	$16.28M
9	Raffles Associates Lp	2.02%	222.88K	$15.39M
10	FJ Capital Management LLC	1.84%	202.43K	$13.98M

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