Southern Missouri Bancorp (SMBC)

Price$68.16

Value ScoreC

Growth ScoreB

Momentum ScoreB

Favorite Metrics

Price vs S&P 500 (26W)11.60%

Price vs S&P 500 (4W)-4.20%

VGM Score61.11

Market Capitalization$760.74M

P/E Ratio (Annual)12.99x

Indicated Dividend Yield (Annual)1.45%

All Metrics

P/CF (Annual)9.33x

Book Value / Share (Quarterly)$52.07

P/TBV (Annual)1.19x

Indicated Dividend (Annual)$1.00

Revenue Growth (3Y)18.12%

Cash Flow / Share (Quarterly)$8.17

Payout Ratio (TTM)16.31%

Price vs S&P 500 (YTD)5.88%

Net Profit Margin (TTM)26.71%

EPS (TTM)$6.02

10-Day Avg Trading Volume0.06M

EPS Excl Extra (TTM)$6.02

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)11.30x

Revenue Growth QoQ (YoY)66.03%

EPS Growth (5Y)11.72%

P/E Normalized (Annual)12.99x

ROA (Last FY)1.17%

Revenue Growth TTM (YoY)62.21%

EBITD / Share (TTM)$6.69

ROE (5Y Avg)12.23%

Operating Margin (TTM)33.75%

Cash Flow / Share (Annual)$6.66

P/B Ratio1.33x

P/B Ratio (Quarterly)1.23x

Net Income / Employee (Annual)$84,200

ROA (TTM)1.33%

EPS Growth QoQ (YoY)15.17%

EV / EBITDA (TTM)8.95x

EPS Incl Extra (Annual)$5.20

3-Month Avg Trading Volume0.08M

52-Week Price Return30.28%

EV / Free Cash Flow (Annual)10.68x

P/E Incl Extra (TTM)11.30x

Tangible BV / Share (Quarterly)$50.20

P/S Ratio (Annual)3.31x

52-Week High$70.35

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 Return27.53%

13-Week Price Return6.99%

Total Debt / Equity (Annual)0.07x

Enterprise Value$803.99M

Revenue / Share Growth (5Y)12.03%

Book Value / Share Growth (5Y)11.17%

Revenue / Employee (Annual)$260,117,300,000

Pretax Margin (Annual)32.34%

Cash / Share (Annual)$4.76

3-Month Return Std Dev19.86%

Net Income / Employee (TTM)$96,800

EBITDA CAGR (5Y)12.68%

EBITDA Interim CAGR (5Y)14.35%

ROE (Last FY)10.75%

EPS Basic Excl Extra (Annual)$5.20

P/FCF (TTM)8.46x

EV / Free Cash Flow (TTM)8.94x

Total Debt / Equity (Quarterly)0.08x

EPS Incl Extra (TTM)$6.02

ROI (TTM)11.16%

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/E10.42x

Free OCF CAGR (5Y)15.90%

Price vs S&P 500 (52W)2.07%

P/E Ratio (TTM)11.30x

EPS Growth TTM (YoY)20.29%

Year-to-Date Return16.81%

5-Day Price Return0.10%

EPS Normalized (Annual)$5.20

ROA (5Y Avg)1.28%

Net Profit Margin (Annual)25.65%

Month-to-Date Return1.20%

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)8.10x

ROI (5Y Avg)11.55%

P/E Excl Extra (TTM)11.30x

LT Debt / Equity (Quarterly)0.04x

EPS Basic Excl Extra (TTM)$6.02

P/TBV (Quarterly)1.27x

Payout Ratio (Annual)17.72%

P/B Ratio (Annual)1.14x

Dividend / Share (TTM)$0.98

Pretax Margin (TTM)33.75%

Book Value / Share (Annual)$48.21

Price vs S&P 500 (13W)-2.76%

Net Margin Growth (5Y)-2.76%

Dividend Yield (TTM)1.44%

Beta0.89x

P/FCF (Annual)10.10x

Revenue / Share (TTM)$14.64

ROE (TTM)12.00%

52-Week Low$47.60

vGradeC

gGradeB

mGradeB

vgmGradeB

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Earnings Surprise History

Q3 261.60est. 1.60

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

4.00

Industry Peers — Savings Institutions(25)

Symbol	Value Score	Growth Score	Momentum Score	Price
SMBCSouthern Missouri Bancorp	C	B	B	$68.16
FLGFlagstar Bank, National Association	C	F	B	$13.78
BBTBeacon Financial Corporation	C	F	D	$28.59
HFWAHeritage Financial Corp	C	C	C	$27.10
NBBKNB Bancorp, Inc. Common Stock	D	D	D	$19.69
TCBXThird Coast Bancshares, Inc. Common Stock	C	B	D	$37.97
HBCPHome Bancorp, Inc.	C	C	C	$64.06
GCBCGreene County Bancorp Inc	D	C	B	$26.24
AVBCAvidia Bancorp, Inc.	C	F	C	$19.10
PBFSPioneer Bancorp, Inc. Common Stock	D	C	C	$16.36
NECBNortheast Community Bancorp, Inc.	A	B	C	$24.23

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.