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SMBC stock logo

SMBC

Southern Missouri Bancorp, Inc.

$70.18
0.29
 (0.41%)
Exchange:  NASDAQ
Market Cap:  772.913M
Shares Outstanding:  6.234M
Delayed data
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial ServicesView sector performance
Industry:  Banks – RegionalView industry performance
   
CEO:  Greg A. Steffens
Full Time Employees:  725
Address: 
2991 Oak Grove Road
Poplar Bluff
MO
63901
US
Website:  https://www.bankwithsouthern.com
Southern Missouri Bancorp, Inc., established in 1887 and headquartered in Poplar Bluff, Missouri, functions as the parent company for Southern Bank. Through its subsidiary, it delivers a comprehensive suite of banking and financial solutions to both individual consumers and businesses across the United States. The company’s offerings encompass a wide range of personal banking services, including checking and savings accounts, online and mobile banking, mortgages, refinancing options, and various loans and credit facilities. For corporate clients, it provides business banking, financing, and a variety of supporting business services. Additionally, Southern Missouri Bancorp extends its financial product portfolio to include investment and insurance services, digital banking, and debit and credit cards. As of June 30, 2021, the institution maintained a significant physical presence with 46 full-service and two limited-service branch locations. These branches are strategically distributed throughout numerous towns in Missouri (Poplar Bluff, Van Buren, Dexter, Kennett, Doniphan, Sikeston, Qulin, Matthews, Springfield, Thayer, West Plains, Alton, Clever, Forsyth, Fremont Hills, Kimberling City, Ozark, Nixa, Rogersville, Marshfield, Cape Girardeau, Jackson, Gideon, Chaffee, Benton, Advance, Bloomfield, Essex, and Rolla), Arkansas (Jonesboro, Paragould, Batesville, Searcy, Bald Knob, Bradford, and Cabot), and Illinois (Anna, Cairo, and Tamms).

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Revenue Segmentation

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Industry Peers

TICKERCOMPANYMKT CAPP/EFWD P/EROIC
SMSMBC logoSMBCSouthern Missouri Bancorp, Inc.772.9M10.811.311.7%
FIFISI logoFISIFinancial Institutions, Inc.774.7M9.49.40.6%
PGPGC logoPGCPeapack-Gladstone Financial Corporation769.0M14.812.25.7%
RCRCBC logoRCBCRiver City Bank781.1M10.110.71.3%
ALALRS logoALRSAlerus Financial Corporation781.2M28.210.46.9%
HTHTB logoHTBHomeTrust Bancshares, Inc.785.9M11.812.67.8%

EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/10/23 — Q1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202420252026
Revenue273,219305,246316,543
Gross Profit160,727176,077188,953
EBITDA73,20284,01687,104
Operating Income63,11073,99487,104
Net Income50,18258,31571,840

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(* All numbers are in thousands)

Balance Sheet

Year202420252026
Total Assets4,604,3165,019,6075,234,901
Total Liabilities4,115,5684,474,9154,644,223
Total Stockholders Equity488,748544,692590,678
Total Debt125,206142,2800
Cash and Cash Equivalents60,904193,10590,966

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(* All numbers are in thousands)

Cash Flow Statement

Year202420252026
Operating Cash Flow70,26814,86032,295
Capital Expenditure-9,04700
Free Cash Flow61,22114,86032,295
Net Income50,18258,57871,839
Net Change in Cash6,9254,482-4,914

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2029Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)198,875.643Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)202,762.707Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)200,694.590Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)105,940.880Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)108,454.784Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)107,117.233Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)78,709.426Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)80,714.861Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)79,647.847Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)45,844.934Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)46,740.982Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)46,264.238Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)7.160Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)7.260Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)7.080Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)1Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)1Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
273.071M  ?P/S
 (TTM)
: 
2.49
?Net Income
 (TTM)
: 
49.925M  ?P/E
 (TTM)
: 
10.84
?Enterprise Value
 (TTM)
: 
827.636M  ?EV/FCF
 (TTM)
: 
10.81
?Dividend Yield
 (TTM)
: 
1.46%  ?Payout Ratio
 (TTM)
: 
15.5%
?ROE
 (TTM)
: 
12.54%  ?ROIC
 (TTM)
: 
11.71%
?Net Debt
 (TTM)
: 
6.408M  ?Debt/Equity
 (TTM)
: 
0.25
?P/B
 (TTM)
: 
1.3  ?Current Ratio
 (TTM)
: 
1.1

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
11.30Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MarketSnap estimates SMBC intrinsic value between $35.74 – $68.50 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate SMBC Intrinsic Value

Common questions about SMBC valuation

Is Southern Missouri Bancorp, Inc. (SMBC) overvalued or undervalued right now?

MarketSnap estimates intrinsic value for Southern Missouri Bancorp, Inc. (SMBC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is SMBC a buy, hold, or sell for long-term investors?

MarketSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether SMBC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is SMBC’s P/E ratio?

You can see SMBC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for SMBC?

MarketSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MarketSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is SMBC a good long-term investment?

Whether SMBC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MarketSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

Research tools for Southern Missouri Bancorp, Inc.

  • Southern Missouri Bancorp, Inc. intrinsic value calculatorEstimate what the business is worth
  • Southern Missouri Bancorp, Inc. 5-year outlookWhat has to go right, and what could go wrong
SMBC

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.41
MarketSnap

Trading Metrics:

Open: 70.35   Previous Close: 69.89
Day Low: 69.89   Day High: 71.23
Year Low: 47.87   Year High: 79.86
Price Avg 50: 73.21   Price Avg 200: 69
Volume: 88523   Average Volume: 103787

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See in Nexus

Relevant news

Southern Missouri Bancorp, Inc. (SMBC) Q4 2026 Earnings Call Transcript
23-07-2026 14:10
Southern Missouri Bancorp, Inc. (SMBC) Q4 2026 Earnings Call Transcript
Southern Missouri Bancorp (SMBC) Tops Q4 Earnings and Revenue Estimates
22-07-2026 20:36
Southern Missouri Bancorp (SMBC) Tops Q4 Earnings and Revenue Estimates
SMBC Aviation Capital Orders 100 Boeing 737 MAX Jets
20-07-2026 05:34
SMBC Aviation Capital Orders 100 Boeing 737 MAX Jets
What Makes Southern Missouri Bancorp (SMBC) a Strong Momentum Stock: Buy Now?
26-06-2026 13:00
What Makes Southern Missouri Bancorp (SMBC) a Strong Momentum Stock: Buy Now?
Southern Missouri Bancorp (SMBC) Upgraded to Buy: Here's What You Should Know
04-06-2026 13:01
Southern Missouri Bancorp (SMBC) Upgraded to Buy: Here's What You Should Know

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