SMBC

BULLISH

$67.5 Live

Southern Missouri Bancorp, Inc. · NASDAQ

Target $68.33 (+1.2%)

$47.6 52W Range $68.9

SMBC Southern Missouri Bancorp, Inc. - Fundamental Analysis

BULLISH

Console Chart News

SMBC Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$67.5

Analyst Target

$68.33

+1.2% Upside

52W High

$68.9

52W Low

$47.6

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 20, 2026

Market cap

$749.81M

P/E

11.68

ROE

12.1%

Profit margin

35.7%

Debt/Equity

N/A

Dividend yield

1.45%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

SMBC exhibits a stable financial profile with a Piotroski F-Score of 4/9 and significant valuation upside, trading well below its Graham Number ($81.37) and Intrinsic Value ($170.51). The company demonstrates strong operational momentum with 24.7% YoY earnings growth and a consistent track record of beating EPS estimates. While technical trends and insider sentiment are currently bearish, the fundamental disconnect between the current price ($67.50) and its growth-adjusted value suggests a strong buying opportunity. The low payout ratio (16.61%) provides substantial headroom for future dividend increases.

Key Strengths

Significant undervaluation relative to Graham Number and Intrinsic Value

Strong earnings growth (24.7% YoY) and consistent EPS beats

Healthy profitability metrics (ROE 12.09%, ROA 1.30%)

Very low dividend payout ratio (16.61%) indicating high sustainability

Attractive P/E ratio (11.68) and PEG ratio (1.07) relative to growth

Key Risks

Bearish technical trend (10/100) suggesting short-term price pressure

Lack of insider buying activity (Net Bearish)

Regional bank sector exposure to interest rate volatility

Moderate Piotroski F-Score (4/9) indicating room for balance sheet improvement

Low dividend yield (1.45%) compared to some regional banking peers

AI Fair Value Estimate

Based on comprehensive analysis

$105.0

+55.6% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Strong Fundamental Value

Key drivers: Earnings growth, Valuation discount, EPS beat consistency

Confidence

80%

Value

92/100

P/E 11.68, PEG 1.07, Graham $81.37

Positives

Price < Graham Number
Price < Intrinsic Value
Low P/E

Watchpoints

P/B slightly above 1.0

Future

88/100

Ref Growth rates and EPS track record

Positives

24.7% Earnings Growth
10.3% Q/Q Revenue Growth
Consistent EPS surprises

Watchpoints

Regional economic dependency

Past

85/100

Ref Historical price and earnings trends

Positives

1Y Change +39.5%
5Y Change +86.2%
Consistent quarterly progression

Watchpoints

Occasional EPS misses in 2022-2023

Health

55/100

Ref Piotroski F-Score 4/9

Positives

Stable Piotroski score
Positive ROA

Watchpoints

Piotroski F-Score only 4/9
Altman Z-Score N/A (Financials)

Dividend

60/100

Ref Yield and Payout

Positives

Very low payout ratio (16.61%)

Watchpoints

Low yield (1.45%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$67.5

Analyst Target

$68.33

Upside/Downside

+1.2%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for SMBC and closest competitors.

Updated 2026-04-17

Company	5Y	3Y	1Y	6M	1M	1W
SMBC Southern Missouri Bancorp, Inc. Primary	+86.2%	+102.0%	+39.5%	+41.5%	+10.2%	+1.1%
ORRF Orrstown Financial Services, Inc. Peer	+99.4%	+121.7%	+48.0%	+16.5%	+11.2%	+1.1%
GSBC Great Southern Bancorp, Inc. Peer	+38.0%	+46.4%	+37.8%	+16.2%	+12.0%	+5.8%
BTO John Hancock Financial Opportunities Fund Peer	+64.7%	+35.4%	+7.9%	+6.5%	+3.0%	+2.1%
AXG Solowin Holdings Peer	-32.4%	-32.4%	+152.2%	+8.9%	-3.8%	-4.0%

SMB

Southern Missouri Bancorp, Inc.

Primary

+86.2%

+102.0%

+39.5%

+41.5%

+10.2%

+1.1%

ORR

Orrstown Financial Services, Inc.

Peer

+99.4%

+121.7%

+48.0%

+16.5%

+11.2%

+1.1%

GSB

Great Southern Bancorp, Inc.

Peer

+38.0%

+46.4%

+37.8%

+16.2%

+12.0%

+5.8%

BTO

John Hancock Financial Opportunities Fund

Peer

+64.7%

+35.4%

+7.9%

+6.5%

+3.0%

+2.1%

AXG

Solowin Holdings

Peer

-32.4%

+152.2%

+8.9%

-3.8%

-4.0%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

11.68

10.1

1.07

1.33

4.1

4.2

N/A

$749.81M

Profitability

Profit margins and return metrics

Profit Margin 35.71%

Operating Margin 50.32%

Gross Margin N/A

ROE 12.09%

ROA 1.31%

Growth

Revenue and earnings growth rates

Revenue Growth +8.8%

Earnings Growth +24.7%

Q/Q Revenue Growth +10.3%

Q/Q Earnings Growth +23.9%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$12.17

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.0B

Net Margin

36.6%

Total Assets

$5.1B

Liabilities

$4.5B

Equity

$0.6B

Debt/Equity

7.98x

Operating CF

$0.0B

CapEx

$-0.0B

Free Cash Flow

$0.0B

FCF Yield

95%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-20

$N/A

2026-01-21

$1.62

+5.0% surprise

2025-10-23

$1.38

+5.6% surprise

2025-07-23

$1.39

+10.8% surprise

Financial Services Sector Comparison

Comparing SMBC against 551 companies in the Financial Services sector (102 bullish, 225 neutral, 224 bearish)

P/E Ratio

11.68

This Stock

42.93

Sector Avg

-72.8% (Discount)

Return on Equity (ROE)

12.09%

This Stock

-0.56%

Sector Avg

-2274.6% (Below Avg)

Profit Margin

35.71%

This Stock

49.82%

Sector Avg

-28.3% (Weaker)

Revenue Growth

8.8%

This Stock

40.32%

Sector Avg

-78.2% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
SMBC Southern Missouri Bancorp, Inc.	BULLISH	$749.81M	11.68	12.1%	35.7%	$67.5
ORRF Orrstown Financial Services, Inc.	NEUTRAL	$754.38M	9.2	14.6%	32.1%	$38.45	Compare
GSBC Great Southern Bancorp, Inc.	NEUTRAL	$758.3M	10.95	11.5%	31.0%	$67.77	Compare
BTO John Hancock Financial...	NEUTRAL	$731.42M	4.7	25.5%	593.6%	$36.94	Compare
AXG Solowin Holdings	BEARISH	$771.41M	-	-3.7%	-90.3%	$4.11	Compare

SMBC Southern...

BULLISH

Mkt Cap

$750M

P/E

11.7

ROE

12.1%

Price

$67.5

Compare with SMBC

GSBC Great Southern...

Compare with SMBC

Compare with SMBC

Compare with SMBC

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-03-04	LOVE CHARLES R.	Director	Sale	580	$37,120
2026-02-24	STEFFENS GREG ALAN	Chief Executive Officer	Stock Award	600	-
2026-02-24	HECKER MARK E	Officer	Stock Award	600	-
2026-02-24	CAPPS KIMBERLY A	Officer	Stock Award	875	-
2026-02-24	FUNKE MATTHEW T	President	Stock Award	950	-
2026-02-24	HENSLEY TODD E	Director	Stock Award	400	-
2026-02-24	COX JUSTIN G	Officer	Stock Award	750	-
2026-02-24	WINDES RICHARD	Officer	Stock Award	1,050	-
2026-02-24	JONES DANIEL LEE	Director	Stock Award	400	-
2026-02-24	GREUNKE LANCE K	Officer	Stock Award	500	-
2026-02-24	MCCLAIN DAVID L	Director	Stock Award	400	-
2026-02-24	CHKAUTOVICH STEFAN	Chief Financial Officer	Stock Award	600	-
2026-02-24	BUTLER JANE	Officer	Stock Award	475	-
2026-02-24	MCCOY DANIEL PATRICK	Director	Stock Award	400	-
2026-02-24	BOWER KENNETH J	Director	Stock Award	400	-

LOVE CHARLES R.

Director

Sell

2026-03-04

580 shares · $37,120

STEFFENS GREG ALAN

Chief Executive Officer

Stock Award

2026-02-24

600 shares

HECKER MARK E

Officer

Stock Award

2026-02-24

600 shares

CAPPS KIMBERLY A

Officer

Stock Award

2026-02-24

875 shares

FUNKE MATTHEW T

President

Stock Award

2026-02-24

950 shares

HENSLEY TODD E

Director

Stock Award

2026-02-24

400 shares

COX JUSTIN G

Officer

Stock Award

2026-02-24

750 shares

WINDES RICHARD

Officer

Stock Award

2026-02-24

1,050 shares

JONES DANIEL LEE

Director

Stock Award

2026-02-24

400 shares

GREUNKE LANCE K

Officer

Stock Award

2026-02-24

500 shares

MCCLAIN DAVID L

Director

Stock Award

2026-02-24

400 shares

CHKAUTOVICH STEFAN

Chief Financial Officer

Stock Award

2026-02-24

600 shares

BUTLER JANE

Officer

Stock Award

2026-02-24

475 shares

MCCOY DANIEL PATRICK

Director

Stock Award

2026-02-24

400 shares

BOWER KENNETH J

Director

Stock Award

2026-02-24

400 shares

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K

2026-02-10

SMBC filed an 8-K on February 10, 2026, likely to announce its financial results or a dividend declaration.

10-Q

2026-02-06

SMBC filed its 10-Q quarterly report on February 6, 2026, providing an update on its financial performance and operational status. The filing details the company's current financial position and outlines the primary risk factors associated with its business operations for the period.

8-K

2026-01-22

SMBC filed a current report on Form 8-K to disclose a material event, likely pertaining to financial results or a corporate governance update.

8-K

2025-11-25

8-K

2025-11-10

10-Q

2025-11-07

SMBC filed its quarterly 10-Q report on November 7, 2025. Due to the absence of provided excerpts, specific financial highlights and risk factors cannot be detailed from the available metadata.

8-K

2025-10-23

SMBC filed an 8-K on October 23, 2025, likely reporting its quarterly financial results.

8-K

2025-10-23

SMBC filed an 8-K on October 23, 2025, likely reporting its quarterly financial results.

DEF 14A

2025-09-19

SMBC filed a definitive proxy statement (DEF 14A) on September 19, 2025, providing shareholders with information regarding matters to be voted on at an upcoming meeting.

10-K

2025-09-11

SMBC filed its 10-K on September 11, 2025, providing comprehensive disclosures on its financial condition and results of operations. The filing includes detailed quantitative and qualitative analyses of market risks and a dedicated section outlining the company's primary risk factors.

8-K

2025-08-14

8-K

2025-07-28

8-K

2025-07-23

10-Q

2025-05-12

8-K

2025-04-22

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

BUY

3 analysts

Keefe, Bruyette & Woods

2026-04-09

Maintains

Market Perform Market Perform

Keefe, Bruyette & Woods

2026-01-27

Maintains

Market Perform Market Perform

Piper Sandler

2026-01-26

Maintains

Neutral Neutral

Stephens & Co.

2026-01-23

Maintains

Overweight Overweight

Keefe, Bruyette & Woods

2025-10-29

Maintains

Market Perform Market Perform

Piper Sandler

2025-10-27

Maintains

Neutral Neutral

Past News Coverage

Recent headlines mentioning SMBC from our newsroom.

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SMBC

SMBC Southern Missouri Bancorp, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

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