Southern Missouri Bancorp, Inc. (SMBC)

NGM – Real Time Price. Currency in USD

77.43

+0.39 (0.51%)

At close: Aug 12, 2026, 4:00 PM EDT

77.43

0.00 (0.00%)

After-hours: Aug 12, 2026, 6:19 PM EDT

Stock details

Previous close: 77.82$
Day's range: 77 - 77.91$
52-week range: 47.6 - 79.86$
Volume: 56 544
Average volume: 79 111
Beta: 0.09
EPS (TTM): 6.45
PE ratio (TTM): 12.11
Forward P/E: 11.78
Market cap: 857 236 466
Shares outstanding: 11 015 632
Dividend yield: $1.30 (1.3%)
Next earnings date: 2026-10-26
Sector: Financials
Industry: Banks - Regional

About the company

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 loan... read more

CEO: Greg Steffens
Country: United States
IPO Date
Employees: 739
Fiscal Year End: July - June
Website: https://www.bankwithsouther...

Revenue Breakdown

Banking and Financial Services / 100.00%

News

No Data

There are no news for this stock.

Chart: SMBC

Loading Chart...

Overall Score

5 / 1050%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $166.2M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.3) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.05	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.28	0.05	8.0
Debt to Assets	0.03	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.8

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2023	2024	2025	2026	TTM
Total Revenue	203M	273M	305M	317M	317M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	49M	63M	74M	87M	87M
Net Income	39M	50M	58M	72M	72M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	44.52	0.44	10
Net margin %	39.04	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.32	1.46	3.0
ROE	12.09	14.94	7.0
ROIC	9.72	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			4.3

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	7.12	20.05	7.5
Next quarter	6.64	6.38	5.0
Current year	5.21	2.7	4.5
Next year	5.02	8.28	5.5
Weighted average score			5.6

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	2.74	14.21	14.38	41.63	7.5
Y/Y	2.75	28.5	31.65	25.56	8.5
3y average	31.28	9.27	1.92	7.2	6.0
5y average	21.28	19.69	16.04	17.14	9.3
Weighted average score					7.8

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	11.91	11.16	6.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	4.24	3.37	3.6
P/B	1.43	1.53	5.6
Weighted average score			4.3

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR7.1%

FCF 5 year CAGR4

Fair value87.52$

Stock price77.665$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	1.75	1.75	6.0
Payout ratio	17.74	17.74	3.0
5-year dividend growth rate	9.86	9.86	9.0
Years of dividend increase	14.00	14.00	8.0
Weighted average score			6.5

Fair Value

$87.52

UndervaluedStock priceOvervalued

$77.665

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Greg Steffens

Country

United States

IPO Date

Employees

739

Fiscal Year End

July - June

Website

https://www.bankwithsouther...

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.05

2.82

1.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.28

0.05

8.0

Debt to Assets

0.03

0.09

9.0

Interest coverage

N/A

Weighted average score

5.8

METRIC

2023

2024

2025

2026

TTM

Total Revenue

203M

273M

305M

317M

Gross Profit

N/A

Operating Income

49M

63M

74M

87M

Net Income

39M

50M

58M

72M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

44.52

0.44

Net margin %

39.04

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.32

1.46

3.0

ROE

12.09

14.94

7.0

ROIC

9.72

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

4.3

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

7.12

20.05

7.5

Next quarter

6.64

6.38

5.0

Current year

5.21

2.7

4.5

Next year

5.02

8.28

5.5

Weighted average score

5.6

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

2.74

14.21

14.38

41.63

7.5

Y/Y

2.75

28.5

31.65

25.56

8.5

3y average

31.28

9.27

1.92

7.2

6.0

5y average

21.28

19.69

16.04

17.14

9.3

Weighted average score

7.8

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

11.91

11.16

6.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

4.24

3.37

3.6

P/B

1.43

1.53

5.6

Weighted average score

4.3

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

1.75

6.0

Payout ratio

17.74

3.0

5-year dividend growth rate

9.86

9.0

Years of dividend increase

14.00

8.0

Weighted average score

6.5

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Southern Missouri Bancorp, Inc. (SMBC)

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Southern Missouri Bancorp, Inc. (SMBC)

Stock details

About the company

Revenue Breakdown

News

Chart: SMBC

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$87.52

$77.665

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: SMBC

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$87.52

$77.665

Economic Moat