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Southern Missouri Bancorp (SMBC)
Price$65.75
Favorite Metrics
Price vs S&P 500 (26W)22.80%
Price vs S&P 500 (4W)2.95%
Market Capitalization$739.70M
P/E Ratio (Annual)12.63x
Indicated Dividend Yield (Annual)1.50%
All Metrics
P/CF (Annual)9.07x
Book Value / Share (Quarterly)$50.92
P/TBV (Annual)1.19x
Indicated Dividend (Annual)$1.00
Revenue Growth (3Y)18.12%
Cash Flow / Share (Quarterly)$7.55
Payout Ratio (TTM)16.55%
Price vs S&P 500 (YTD)10.01%
Net Profit Margin (TTM)26.71%
EPS (TTM)$5.81
10-Day Avg Trading Volume0.13M
EPS Excl Extra (TTM)$5.81
Revenue Growth (5Y)17.98%
EPS (Annual)$5.20
Dividend / Share (Annual)$0.92
ROI (Annual)10.05%
Net Profit Margin (5Y Avg)33.27%
Cash / Share (Quarterly)$7.78
P/E Basic Excl Extra (TTM)11.33x
Revenue Growth QoQ (YoY)66.03%
EPS Growth (5Y)11.72%
P/E Normalized (Annual)12.63x
ROA (Last FY)1.17%
Revenue Growth TTM (YoY)62.21%
EBITD / Share (TTM)$7.79
ROE (5Y Avg)12.23%
Operating Margin (TTM)33.75%
Cash Flow / Share (Annual)$6.66
P/B Ratio1.30x
P/B Ratio (Quarterly)1.18x
Net Income / Employee (Annual)$0
ROA (TTM)1.30%
EPS Growth QoQ (YoY)24.77%
EV / EBITDA (TTM)8.93x
EPS Incl Extra (Annual)$5.20
3-Month Avg Trading Volume0.06M
52-Week Price Return38.55%
EV / Free Cash Flow (Annual)10.40x
P/E Incl Extra (TTM)11.33x
Tangible BV / Share (Quarterly)$49.00
P/S Ratio (Annual)3.31x
52-Week High$68.19
Operating Margin (5Y Avg)41.92%
EPS Excl Extra (Annual)$5.20
CapEx CAGR (5Y)7.81%
Tangible BV CAGR (5Y)15.79%
26-Week Price Return26.78%
13-Week Price Return10.96%
Total Debt / Equity (Annual)0.07x
Enterprise Value$782.935
Revenue / Share Growth (5Y)12.03%
Book Value / Share Growth (5Y)11.17%
Revenue / Employee (Annual)$260,117
Pretax Margin (Annual)32.34%
Cash / Share (Annual)$4.76
3-Month Return Std Dev25.39%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)16.08%
EBITDA Interim CAGR (5Y)8.47%
ROE (Last FY)10.75%
EPS Basic Excl Extra (Annual)$5.20
P/FCF (TTM)8.79x
EV / Free Cash Flow (TTM)9.31x
Total Debt / Equity (Quarterly)0.08x
EPS Incl Extra (TTM)$5.81
ROI (TTM)11.04%
Dividend Growth Rate (5Y)8.95%
P/S Ratio (TTM)3.16x
Pretax Margin (5Y Avg)41.92%
Revenue / Share (Annual)$15.08
Tangible BV / Share (Annual)$46.17
Forward P/E10.64x
Free OCF CAGR (5Y)15.90%
Price vs S&P 500 (52W)8.72%
P/E Ratio (TTM)11.33x
EPS Growth TTM (YoY)25.97%
Year-to-Date Return12.65%
5-Day Price Return-0.91%
EPS Normalized (Annual)$5.20
ROA (5Y Avg)1.28%
Net Profit Margin (Annual)25.65%
Month-to-Date Return4.16%
Cash Flow / Share (TTM)$4.69
EBITD / Share (Annual)$7.15
EPS Growth (3Y)-0.26%
Operating Margin (Annual)32.34%
LT Debt / Equity (Annual)0.04x
P/CF (TTM)8.31x
ROI (5Y Avg)11.55%
P/E Excl Extra (TTM)11.33x
LT Debt / Equity (Quarterly)0.04x
EPS Basic Excl Extra (TTM)$5.81
P/TBV (Quarterly)1.22x
Payout Ratio (Annual)17.72%
P/B Ratio (Annual)1.14x
Dividend / Share (TTM)$0.96
Pretax Margin (TTM)33.75%
Book Value / Share (Annual)$48.21
Price vs S&P 500 (13W)10.28%
Net Margin Growth (5Y)-2.76%
Dividend Yield (TTM)1.46%
Beta0.91x
P/FCF (Annual)9.82x
Revenue / Share (TTM)$14.64
ROE (TTM)11.86%
52-Week Low$47.14
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.00
4.00
4.00
4.00
Industry Peers — Savings Institutions(23)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
SMBCSouthern Missouri Bancorp | 1.18x | 11.86% | 1.30% | — | $65.75 |
FLGFlagstar Bank, National Association | 0.64x | -2.18% | -0.19% | — | $14.25 |
BBTBeacon Financial Corporation | 0.89x | 5.74% | 0.60% | — | $31.62 |
HFWAHeritage Financial Corp | 0.87x | 7.51% | 0.96% | — | $26.95 |
NBBKNB Bancorp, Inc. Common Stock | 0.98x | 6.55% | 0.88% | 1.51x | $22.25 |
TCBXThird Coast Bancshares, Inc. Common Stock | 0.99x | 13.12% | 1.31% | — | $41.07 |
HBCPHome Bancorp, Inc. | 1.04x | 11.03% | 1.32% | — | $62.85 |
AVBCAvidia Bancorp, Inc. | 0.89x | -1.17% | -0.12% | 1.31x | $20.55 |
GCBCGreene County Bancorp Inc | 1.47x | 15.00% | 1.19% | — | $23.45 |
PBFSPioneer Bancorp, Inc. Common Stock | 1.04x | 6.42% | 0.95% | — | $14.10 |
NECBNortheast Community Bancorp, Inc. | 0.90x | 13.07% | 2.21% | — | $24.59 |
About
Southern Missouri Bancorp is a bank holding company that provides retail and commercial banking services through Southern Missouri Savings Bank. The company generates revenue primarily from interest on its diversified loan portfolio—including residential mortgages, commercial real estate loans, and consumer loans—as well as bank card interchange fees and other banking services. The bank funds operations through retail deposits, Federal Home Loan Bank borrowings, and brokered deposits.