Southern Missouri Bancorp, Inc. (SMBC) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
8.54
↑+21% vs avg
5yr avg: 7.05
30Y Low4.1·High27.9
P/FCF
↓
10.21
↑+31% vs avg
5yr avg: 7.81
30Y Low3.4·High22.4
P/B Ratio
↓
1.43
↑+22% vs avg
5yr avg: 1.17
30Y Low0.5·High1.7
ROE
↓
11.3%
-14% vs avg
5yr avg: 13.1%
30Y Low0%·High23%
Debt/EBITDA
↑
1.69
+2% vs avg
5yr avg: 1.66
30Y Low0.9·High17.1
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
SMBC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Southern Missouri Bancorp, Inc. trades at 13.4x earnings, 39% above its 5-year average of 9.6x, sitting at the 83rd percentile of its historical range. This is roughly in line with the Financial Services sector median P/E of 13.4x. On a free-cash-flow basis, the stock trades at 10.2x P/FCF, 31% above the 5-year average of 7.8x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $769M | $617M | $509M | $436M | $408M | $405M | $224M | $321M | $342M | $242M | $176M |
| Enterprise Value | $718M | $566M | $582M | $537M | $377M | $353M | $253M | $352M | $411M | $282M | $304M |
| P/E Ratio → | 13.36 | 10.58 | 10.18 | 9.99 | 8.69 | 8.61 | 8.13 | 11.09 | 16.33 | 15.51 | 11.88 |
| P/S Ratio | 2.52 | 2.02 | 1.86 | 2.15 | 2.95 | 3.13 | 1.84 | 2.90 | 3.82 | 3.39 | 2.70 |
| P/B Ratio | 1.43 | 1.13 | 1.04 | 0.98 | 1.27 | 1.43 | 0.87 | 1.34 | 1.70 | 1.40 | 1.39 |
| P/FCF | 10.21 | 8.20 | 8.31 | 7.78 | 6.50 | 8.28 | 6.21 | 10.37 | 11.98 | 10.73 | 22.36 |
| P/OCF | 9.42 | 7.57 | 7.24 | 7.02 | 6.06 | 7.83 | 5.55 | 8.30 | 11.15 | 9.46 | 9.93 |
P/E links to full P/E history page with 30-year chart
SMBC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Southern Missouri Bancorp, Inc.'s enterprise value stands at 8.5x EBITDA, 21% above its 5-year average of 7.1x. The Financial Services sector median is 11.5x, placing the stock at a 25% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.86 | 2.13 | 2.65 | 2.73 | 2.73 | 2.08 | 3.18 | 4.59 | 3.95 | 4.67 |
| EV / EBITDA | 8.54 | 6.74 | 7.95 | 9.42 | 5.73 | 5.43 | 6.34 | 8.57 | 12.35 | 11.07 | 12.14 |
| EV / EBIT | 9.70 | 7.65 | 9.22 | 10.86 | 6.30 | 5.92 | 7.36 | 9.78 | 14.31 | 13.07 | 14.13 |
| EV / FCF | — | 7.52 | 9.50 | 9.59 | 6.01 | 7.22 | 7.04 | 11.37 | 14.43 | 12.51 | 38.76 |
SMBC Profitability
Margins and return-on-capital ratios measuring operating efficiency
Southern Missouri Bancorp, Inc. earns an operating margin of 24.2%, above the Financial Services sector average of 21.4%. ROE of 11.3% is modest. ROIC of 8.5% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 57.7% | 57.7% | 58.8% | 67.1% | 89.3% | 87.8% | 72.4% | 75.7% | 80.1% | 82.2% | 81.8% |
| Operating Margin | 24.2% | 24.2% | 23.1% | 24.4% | 43.4% | 46.1% | 28.3% | 32.5% | 32.1% | 30.3% | 33.1% |
| Net Profit Margin | 19.1% | 19.1% | 18.4% | 19.4% | 34.2% | 36.4% | 22.6% | 26.1% | 23.4% | 21.8% | 22.8% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.3% | 11.3% | 10.7% | 10.2% | 15.6% | 17.4% | 11.1% | 13.2% | 11.2% | 10.4% | 11.5% |
| ROA | 1.2% | 1.2% | 1.1% | 1.0% | 1.6% | 1.8% | 1.2% | 1.4% | 1.2% | 1.0% | 1.1% |
| ROIC | 8.5% | 8.5% | 7.7% | 7.5% | 12.2% | 12.8% | 8.0% | 8.9% | 7.9% | 6.2% | 6.2% |
| ROCE | 11.0% | 11.0% | 9.9% | 9.6% | 15.6% | 16.5% | 10.3% | 11.7% | 10.6% | 8.7% | 9.1% |
SMBC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Southern Missouri Bancorp, Inc. carries a Debt/EBITDA ratio of 1.7x, which is manageable (59% below the sector average of 4.1x). The company holds a net cash position — cash of $193M exceeds total debt of $142M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.6x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.26 | 0.26 | 0.28 | 0.35 | 0.19 | 0.26 | 0.33 | 0.28 | 0.49 | 0.41 | 1.21 |
| Debt / EBITDA | 1.69 | 1.69 | 1.84 | 2.75 | 0.93 | 1.12 | 2.13 | 1.64 | 2.94 | 2.81 | 6.07 |
| Net Debt / Equity | — | -0.09 | 0.15 | 0.23 | -0.10 | -0.18 | 0.12 | 0.13 | 0.35 | 0.23 | 1.02 |
| Net Debt / EBITDA | -0.60 | -0.60 | 1.00 | 1.78 | -0.46 | -0.80 | 0.75 | 0.75 | 2.09 | 1.57 | 5.14 |
| Debt / FCF | — | -0.68 | 1.20 | 1.81 | -0.49 | -1.06 | 0.83 | 1.00 | 2.44 | 1.78 | 16.40 |
| Interest Coverage | 0.60 | 0.60 | 0.58 | 1.00 | 4.50 | 3.56 | 1.28 | 1.46 | 1.94 | 2.09 | 2.30 |
Net cash position: cash ($193M) exceeds total debt ($142M)
SMBC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.09x means Southern Missouri Bancorp, Inc. can comfortably meet its short-term obligations, though there is limited excess liquidity. The current ratio has improved from 0.13x to 1.09x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.09 | 1.09 | 0.13 | 0.13 | 0.13 | 0.15 | 0.12 | 0.12 | 0.13 | 0.14 | 0.15 |
| Quick Ratio | 1.09 | 1.09 | 0.13 | 0.13 | 0.13 | 0.15 | 0.12 | 0.12 | 0.13 | 0.14 | 0.15 |
| Cash Ratio | 0.04 | 0.04 | 0.02 | 0.01 | 0.03 | 0.05 | 0.03 | 0.02 | 0.02 | 0.02 | 0.02 |
| Asset Turnover | — | 0.06 | 0.06 | 0.05 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.04 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
SMBC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Southern Missouri Bancorp, Inc. returns 1.3% to shareholders annually primarily through dividends. The payout ratio of 17.8% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 7.5% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.3% | 1.7% | 1.9% | 2.0% | 1.8% | 1.4% | 2.5% | 1.5% | 1.1% | 1.2% | 1.5% |
| Payout Ratio | 17.8% | 17.8% | 19.0% | 22.0% | 15.3% | 11.9% | 20.0% | 16.5% | 18.3% | 19.2% | 18.0% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.5% | 9.5% | 9.8% | 10.0% | 11.5% | 11.6% | 12.3% | 9.0% | 6.1% | 6.4% | 8.4% |
| FCF Yield | 9.8% | 12.2% | 12.0% | 12.9% | 15.4% | 12.1% | 16.1% | 9.6% | 8.3% | 9.3% | 4.5% |
| Buyback Yield | 0.0% | 0.0% | 0.8% | 0.0% | 1.4% | 2.1% | 2.6% | 0.4% | 0.0% | 0.0% | 11.4% |
| Total Shareholder Yield | 1.3% | 1.7% | 2.6% | 2.0% | 3.2% | 3.4% | 5.0% | 1.8% | 1.1% | 1.2% | 12.9% |
| Shares Outstanding | — | $11M | $11M | $11M | $9M | $9M | $9M | $9M | $9M | $8M | $7M |
Peer Comparison
Compare SMBC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 SMBCYou | $769M | 13.4 | 8.5 | 10.2 | 57.7% | 24.2% | 11.3% | 8.5% | 1.7 |
 FFIN | $5B | 20.9 | 14.3 | 15.8 | 70.8% | 36.8% | 14.4% | 11.0% | 0.7 |
 IBCP | $696M | 10.3 | 9.4 | 9.9 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 NBTB | $2B | 13.6 | 10.4 | 10.8 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 CVBF | $3B | 13.6 | 13.1 | 12.9 | 79.9% | 43.8% | 9.3% | 6.8% | 3.5 |
 SFNC | $3B | -7.3 | — | 7.0 | 5.8% | -84.2% | -11.4% | -9.1% | — |
 UBSI | $6B | 13.4 | 7.6 | 12.7 | 65.4% | 32.4% | 8.9% | 7.2% | 1.6 |
 HOMB | $5B | 13.4 | 10.2 | 12.6 | 65.6% | 36.0% | 10.4% | 7.2% | 2.2 |
 BOKF | $10B | 16.7 | 17.4 | 7.3 | 57.1% | 19.8% | 9.8% | 4.1% | 5.8 |
 RNST | $4B | 19.6 | 15.7 | 16.1 | 60.8% | 15.7% | 5.5% | 4.2% | 4.3 |
 FBIZ | $470M | 9.3 | 11.6 | 7.7 | 57.3% | 21.6% | 14.4% | 7.0% | 4.3 |
| Financial Services Median | — | 13.4 | 11.5 | 10.7 | 62.9% | 21.4% | 9.5% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonSMBC — Frequently Asked Questions
Quick answers to the most common questions about buying SMBC stock.
What is Southern Missouri Bancorp, Inc.'s P/E ratio?
Southern Missouri Bancorp, Inc.'s current P/E ratio is 13.4x. The historical average is 11.7x. This places it at the 83th percentile of its historical range.
What is Southern Missouri Bancorp, Inc.'s EV/EBITDA?
Southern Missouri Bancorp, Inc.'s current EV/EBITDA is 8.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 12.9x.
What is Southern Missouri Bancorp, Inc.'s ROE?
Southern Missouri Bancorp, Inc.'s return on equity (ROE) is 11.3%. The historical average is 10.4%.
Is SMBC stock overvalued?
Based on historical data, Southern Missouri Bancorp, Inc. is trading at a P/E of 13.4x. This is at the 83th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Southern Missouri Bancorp, Inc.'s dividend yield?
Southern Missouri Bancorp, Inc.'s current dividend yield is 1.33% with a payout ratio of 17.8%.
What are Southern Missouri Bancorp, Inc.'s profit margins?
Southern Missouri Bancorp, Inc. has 57.7% gross margin and 24.2% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Southern Missouri Bancorp, Inc. have?
Southern Missouri Bancorp, Inc.'s Debt/EBITDA ratio is 1.7x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.