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SMBC

BUY

Southern Missouri Bancorp, Inc. · Financial Services · United States · $855M · Avg Vol: $9M/d

68
StockRank
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Q
62
V
38
M
62
P/E (TTM)
12.9x
ROE
12.2%
D/E
0.2x
Dividend %
1.3%
Dir. Trades · 180d
−$276.3K →
Buybacks · 180d
None →

COMPANY DESCRIPTION

Southern Missouri Bancorp, Inc. operates as a bank holding company for Southern Bank, offering a comprehensive suite of commercial and retail banking services to individuals and businesses. The bank provides deposit accounts, real estate and commercial loans, and digital banking solutions. With a strong regional footprint, Southern Missouri Bancorp maintains a community-focused approach, cultivating deep relationships within its operating markets.

FINANCIAL SUMMARY (USD)

Year20212022202320242025CAGRTTM2026EFwd CAGR
Revenue—124.8M152.9M164.3M182.6M13.5%185.7M193.8M6.2%
EPS5.215.223.864.425.19-0.1%5.915.312.3%
Shares—9.2M11.3M11.3M11.3M+22.5%11.0M——
Debt—61.0M156.6M125.2M127.3M27.8%155.6M——
Equity—320.8M446.1M488.7M544.7M19.3%———
Op CF—67.3M62.0M70.3M81.6M6.6%93.9M——
Inv CF—-303.9M-213.4M-245.7M-285.1M————
Fin CF—199.8M118.6M182.4M335.5M————
Loading 1Y...
PRICE (1Y)+10.8%
71.1673.0875.0176.9378.85Jun 15Jul 8Jul 28
SMA 50SMA 200
Close
$78.85
RSI (14)
69.6
52W High
$79.13
From 52W High
1.0%

SCORE BREAKDOWN

Quality
62
ROIC (ROA)
1.3%*46.1
ROE
12.2%63.9
GP/Assets
3.7%N/A
Op. Margin
48.3%69.7
FCF/Assets
1.8%N/A
Piotroski
683.6
Int. Cover
—50.0
D/E Ratio
0.23xN/A
Current Ratio
bankN/A
Value
38
P/E (TTM)
12.9x51.9
EV/EBITDA
bankN/A
P/FCF
9.5xN/A
P/B
1.5x35.8
P/S
4.5x41.1
Div Yield
1.3%10.7
Momentum
62
52W High %
100%82.8
RS 6M
23%88.4
SMA 50/200
1.15x86.7
EPS Rev 4W
-2.6%18.3
EPS Rev 12W
-1.6%32.6
EPS Improve
+11%34.3
Q Growth
13%47.7

FUNDAMENTALS

Market Cap
$855M
P/E (Forward)
11.6x
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of SMBC are excluded.

TickerCompanyMkt CapStockRankSignal
SMBCSouthern Missouri Bancorp, Inc.(you)$855M68BUY
GSBCGreat Southern Bancorp, Inc.$863M69BUY
SPFISouth Plains Financial, Inc.$841M70BUY
CCBGCapital City Bank Group, Inc.$882M71BUY
FSBCFive Star Bancorp$1.0B69BUY
TRSTTrustCo Bank Corp NY$977M67BUY
MBWMMercantile Bank Corporation$1.0B68BUY
SMBKSmartFinancial, Inc.$855M64HOLD
FCBCFirst Community Bankshares, Inc.$915M72BUY
BCALCalifornia BanCorp$676M69BUY

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

Southern Missouri Bancorp, Inc. (SMBC) — Stock Score Summary

Southern Missouri Bancorp, Inc. (SMBC) has a MoatMap StockRank of 68/100 based on Quality (62/100), Value (38/100), and Momentum (62/100) factor scores. The current signal is BUY.

Southern Missouri Bancorp, Inc. operates as a bank holding company for Southern Bank, offering a comprehensive suite of commercial and retail banking services to individuals and businesses. The bank provides deposit accounts, real estate and commercial loans, and digital banking solutions. With a strong regional footprint, Southern Missouri Bancorp maintains a community-focused approach, cultivating deep relationships within its operating markets.

Key Financial Metrics

Price$78.85
Market Cap$855M
P/E (TTM)12.94
P/E (Forward)11.63
Price/Book1.47
Return on Equity12.2%
Debt/Equity0.23x
Operating Margin48.3%
Revenue Growth6.5%
Dividend Yield1.3%
Free Cash Flow$90M

Southern Missouri Bancorp, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Southern Missouri Bancorp, Inc.’s (SMBC) StockRank?
MoatMap’s StockRank for Southern Missouri Bancorp, Inc. (SMBC) is 68/100, with a Buy signal. It is a composite of Quality (62), Value (38), and Momentum (62) factor ranks across MoatMap’s 20,000+ stock universe.
Does Southern Missouri Bancorp, Inc. have an economic moat?
Southern Missouri Bancorp, Inc. (SMBC) has a Quality factor score of 62/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Southern Missouri Bancorp, Inc. a buy, hold, or sell?
MoatMap’s current signal for Southern Missouri Bancorp, Inc. (SMBC) is Buy, based on a StockRank of 68/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Southern Missouri Bancorp, Inc. in?
Southern Missouri Bancorp, Inc. (SMBC) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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