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SMBCSouthern Missouri Bancorp, Inc.
$71.33$786M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
SMBC logo

Southern Missouri Bancorp, Inc.

SMBC
NASDAQ · Regional Banks
$71.33
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$786M
P/E13.8x
52W High$79.86
Volume54.23K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Accelerating NII Growth Offsets Deposit Cost Pressures

Southern Missouri Bancorp is demonstrating accelerating net interest income growth, up 9.3% year-over-year to $43.2M in 2026Q3, driven by loan growth and stable funding costs, while maintaining a strong efficiency ratio of 33.5%. The bank's capital position is...

GrowthAccelerating
ProfitabilityStrong
ValuationReview
TechnicalsMixed
Explore valuation models
MARKET ACTION

SMBC price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

8/12 Beats

EPS beat 8 of last 12 quarters

02

Valuation risk

In Line

P/E is in line with peer median

03

Market leadership

RS 65 · Avg

Average momentum (RS Rating: 65)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystEstimated earnings · Oct 22

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
SMBC+23.04%
S&P 500 (^GSPC)+12.39%
1-Year Return
SMBC+31.50%
S&P 500 (^GSPC)+15.77%
3-Year Return
SMBC+87.29%
S&P 500 (^GSPC)+74.32%
5-Year Return
SMBC+76.40%
S&P 500 (^GSPC)+72.69%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
13.8x
Forward P/EExpansion
11.5x
EV/EBITDA80th %ile
8.7x
FCF YieldCash Flow
9.6%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
13.8x
10.0x
100th· High
EV/EBITDA
8.7x
6.7x
80th· High
Price/FCF
10.4x
8.2x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue
$182M+11.1% YoY
Net income
$58M+16.2% YoY
Free cash flow
$75M+23.0% YoY
Operating margin
24.2%+1.1 pts YoY
ROIC (TTM)8.5%
Avg ROIC 5Y-
ROE (TTM)11.3%
Piotroski Score8 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate8/12 (80%)
Revenue Beat Rate4/12 (44%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 22, 2026
$1.83+20.4%
vs $1.52
$52M+1.2%
vs $51M
Q2 2026
Apr 22, 2026
$1.60+3.2%
vs $1.55
$50M+0.8%
vs $50M
Q1 2026
Jan 21, 2026
$1.62+3.8%
vs $1.56
$50M-0.6%
vs $50M
Q4 2025
Oct 22, 2025
$1.42+8.4%
vs $1.31
$49M-1.9%
vs $50M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Defense World·Aug 27, 2026
Algert Global LLC Has $8.15 Million Holdings in Southern Missouri Bancorp, Inc. $SMBC

Algert Global LLC cut its holdings in Southern Missouri Bancorp, Inc. (NASDAQ: SMBC) by 14.4% in the second quarter, according to the company in its most recent Form 13F filing with the SEC. The institutional investor owned 106,996 shares of the savings and loans company's stock after selling 17,985 shares during the quarter.

Zacks Investment Research·Aug 10, 2026
3 Savings & Loan Stocks Worth Picking on Improving Industry Prospects

WSFS, PFS and SMBC within the Zacks Savings and Loan Industry will gain from improving loan demand. Digital upgrades will also improve operating efficiency.

Seeking Alpha·Aug 6, 2026
Southern Missouri Bancorp: Still Attractive Despite Premium To Tangible Book Value

Southern Missouri Bancorp has grown tangible book value per share by more than $16 in four years, with shares up ~60% since 2022. Q2 results highlight strong net interest income growth, a low payout ratio (

Defense World·Jul 26, 2026
Southern Missouri Bancorp (NASDAQ:SMBC) Sets New 1-Year High – Here’s What Happened

Shares of Southern Missouri Bancorp, Inc. (NASDAQ: SMBC - Get Free Report) hit a new 52-week high on Friday. The stock traded as high as $78.73 and last traded at $78.4840, with a volume of 9046 shares trading hands. The stock had previously closed at $77.72. Analyst Upgrades and Downgrades A number of research analysts

Filtered for Southern Missouri Bancorp, Inc.More Headlines
04

Compare before deciding

Benchmark SMBC against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Southern Missouri Bancorp, Inc. (SMBC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
SMBC logoSMBCSouthern Missouri Bancorp, Inc.Current
$71.33$785.74M13.7711.06%19.1%11.29%1.29%
FFIN logoFFINFirst Financial Bankshares, Inc.
$31.92$4.57B18.0316.23%31.14%14.2%—
IBCP logoIBCPIndependent Bank Corporation
$35.30$727.4M10.804.57%22.71%14.12%—
NBTB logoNBTBNBT Bancorp Inc.
$50.48$2.63B15.1614.54%22.65%11.26%—
CVBF logoCVBFCVB Financial Corp.
$22.01$3.16B14.487.23%29.31%8.22%—
SFNC logoSFNCSimmons First National Corporation
$22.89$3.32B-7.76-86.6%-63.53%-10.51%—

Compare SMBC vs Peers

Southern Missouri Bancorp, Inc. (SMBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FFIN

Most directly comparable listed peer for SMBC.

Scale Benchmark

vs ICE

Larger-name benchmark to compare SMBC against a more recognizable public peer.

Peer Set

Compare Top 5

vs FFIN, IBCP, NBTB, CVBF

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

SMBC SEC Filings & Documents

Southern Missouri Bancorp, Inc. (SMBC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jul 27, 2026·SEC

Material company update

Jul 22, 2026·SEC

Material company update

May 5, 2026·SEC

10-K Annual Reports

2
FY 2025

Sep 11, 2025·SEC

FY 2024

Sep 13, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 8, 2026·SEC

FY 2026

Feb 6, 2026·SEC

FY 2025

Nov 7, 2025·SEC

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SMBC Frequently Asked Questions

Southern Missouri Bancorp, Inc. (SMBC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Southern Missouri Bancorp, Inc. growing?

Southern Missouri Bancorp, Inc. (SMBC) grew revenue by 11.1% over the past year. This is steady growth.

Is SMBC profitable?

Yes, Southern Missouri Bancorp, Inc. (SMBC) is profitable, generating $67.3M in net income for fiscal year 2025 (19.1% net margin).

Dividend & Returns
Does SMBC pay dividends?

Yes, Southern Missouri Bancorp, Inc. (SMBC) pays a dividend with a yield of 1.29%. This makes it attractive for income-focused investors.

What is SMBC's return on equity?

Southern Missouri Bancorp, Inc. (SMBC) has a return on equity (ROE) of 11.3%. This is reasonable for most industries.

Industry Metrics
What is Southern Missouri Bancorp, Inc.'s net interest margin?

Southern Missouri Bancorp, Inc. (SMBC) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.

What is Southern Missouri Bancorp, Inc.'s efficiency ratio?

Southern Missouri Bancorp, Inc. (SMBC) has an efficiency ratio of 33.4%. This is excellent, indicating strong cost control.

What if you invested $1,000 in SMBC back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →