Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q1 '27 | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.31 | 10.25 | 10.41 | 9.99 | 9.12 | 9.52 | 9.85 | 9.36 | 11.03 | 12.84 | 9.46 | 11.04 | 12.47 | 8.34 | 7.02 | 42.51 | 9.09 | 12.27 | 8.02 | 12.12 | 9.66 |
| — | +7.6% | +5.7% | +6.8% | -17.3% | -25.8% | +4.2% | -15.2% | -11.6% | +54.0% | +34.8% | -74.0% | +37.2% | -32.0% | -12.6% | +250.6% | -5.9% | +56.3% | +9.2% | +56.2% | +67.6% | |
| P/S Ratio | 3.93 | 3.68 | 4.72 | 3.53 | 3.33 | 3.02 | 3.24 | 3.18 | 3.59 | 3.62 | 2.96 | 3.08 | 3.76 | 2.65 | 2.40 | 2.54 | 3.13 | 3.45 | 3.06 | 3.76 | 3.81 |
| — | +21.6% | +45.7% | +11.2% | -7.2% | -16.5% | +9.4% | +3.0% | -4.5% | +36.7% | +23.3% | +21.6% | +20.1% | -23.3% | -21.4% | -32.6% | -17.9% | +4.5% | -12.0% | +17.7% | +61.6% | |
| P/B Ratio | 1.33 | 1.30 | 1.42 | 1.23 | 1.16 | 1.06 | 1.13 | 1.11 | 1.26 | 1.26 | 1.04 | 1.03 | 1.28 | 0.96 | 0.97 | 0.93 | 1.25 | 1.44 | 1.31 | 1.39 | 1.53 |
| — | +22.8% | +25.3% | +11.4% | -7.6% | -15.8% | +9.1% | +7.5% | -1.8% | +30.4% | +6.8% | +10.8% | +2.4% | -33.1% | -25.5% | -33.0% | -18.3% | +6.0% | -7.6% | +7.2% | +48.8% | |
| P/FCF | 9.47 | 9.37 | 16.82 | 6.20 | 8.20 | 9.62 | 5.97 | 6.44 | 8.90 | 18.54 | 9.55 | 6.31 | 9.69 | 8.55 | 5.20 | 12.44 | 5.19 | 17.63 | 4.93 | 7.22 | 7.85 |
| — | -2.5% | +181.7% | -3.7% | -7.8% | -48.1% | -37.5% | +2.0% | -8.2% | +116.8% | +83.4% | -49.2% | +86.5% | -51.5% | +5.5% | +72.2% | -33.8% | +97.2% | -12.8% | +0.7% | +52.8% | |
| EV / EBITDA | 6.56 | 3.96 | 8.85 | 7.86 | 6.26 | 6.99 | 6.55 | 5.60 | 7.43 | 9.60 | 7.43 | 6.75 | 7.31 | 6.35 | 6.08 | 17.99 | 6.87 | 12.29 | 5.31 | 5.00 | 4.92 |
| — | -43.3% | +35.0% | +40.3% | -15.7% | -27.2% | -11.8% | -17.1% | +1.6% | +51.2% | +22.2% | -62.5% | +6.4% | -48.3% | +14.4% | +260.0% | +39.6% | +149.1% | +13.2% | +63.9% | +59.7% | |
| EV / EBIT | 9.77 | 3.96 | 9.73 | 8.69 | 6.89 | 7.89 | 7.40 | 6.32 | 8.40 | 11.12 | 8.57 | 7.97 | 8.50 | 7.29 | 6.86 | 30.01 | 7.56 | 13.87 | 5.82 | 5.64 | 5.39 |
| — | -49.8% | +31.5% | +37.6% | -18.0% | -29.1% | -13.6% | -20.7% | -1.2% | +52.6% | +24.8% | -73.4% | +12.4% | -47.4% | +18.0% | +431.7% | +40.4% | +158.9% | +14.9% | +69.4% | +60.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q1 '27 | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 94.3% | 94.4% | 109.3% | 95.9% | 100.0% | 90.8% | 94.7% | 98.1% | 97.9% | 95.1% | 97.9% | 97.8% | 97.8% | 97.8% | 98.2% | 74.9% | 96.6% | 85.1% | 99.3% | 94.8% | 100.0% |
| — | +4.0% | +15.3% | -2.3% | +2.1% | -4.5% | -3.2% | +0.3% | +0.2% | -2.8% | -0.3% | +30.6% | +1.2% | +14.9% | -1.1% | -21.1% | -3.4% | -15.7% | -9.0% | -6.6% | +3.5% | |
| Operating Margin | 43.5% | 44.4% | 51.9% | 43.8% | 49.1% | 39.7% | 40.2% | 43.0% | 42.7% | 36.1% | 39.6% | 35.3% | 38.3% | 40.3% | 43.2% | 7.5% | 44.3% | 35.4% | 48.7% | 39.0% | 50.3% |
| — | +11.9% | +29.0% | +1.8% | +15.1% | +9.8% | +1.6% | +21.9% | +11.4% | -10.4% | -8.3% | +373.0% | -13.5% | +13.9% | -11.4% | -80.9% | -12.0% | -34.2% | -18.5% | -25.8% | -3.2% | |
| Net Margin | 35.8% | 36.0% | 45.7% | 35.4% | 36.6% | 31.9% | 33.2% | 33.9% | 32.6% | 28.4% | 31.6% | 28.2% | 30.4% | 31.9% | 34.4% | 6.0% | 34.6% | 28.2% | 38.2% | 31.2% | 39.5% |
| — | +12.6% | +37.7% | +4.6% | +12.3% | +12.4% | +5.0% | +20.1% | +7.1% | -10.9% | -8.4% | +368.9% | -12.2% | +13.0% | -9.8% | -80.7% | -12.4% | -33.2% | -19.6% | -24.8% | -4.1% |
| Metric | TTM | Q1 '27 | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.7% | 3.2% | 3.5% | 3.1% | 3.2% | 2.8% | 2.9% | 3.0% | 2.9% | 2.5% | 2.8% | 2.4% | 2.6% | 2.9% | 3.5% | 0.6% | 3.5% | 3.0% | 4.1% | 3.0% | 4.0% |
| — | +13.1% | +18.5% | +3.8% | +11.8% | +13.1% | +5.2% | +26.0% | +9.1% | -14.3% | -20.7% | +282.3% | -25.0% | -1.5% | -13.0% | -79.1% | -12.7% | -32.9% | -17.7% | -29.6% | -11.8% | |
| ROA | 1.4% | 0.4% | 0.4% | 0.3% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.3% | 0.4% | 0.1% | 0.3% | 0.3% | 0.4% | 0.3% | 0.4% |
| — | +16.4% | +23.8% | +9.8% | +17.8% | +16.6% | +8.0% | +29.8% | +13.6% | -10.4% | -18.7% | +291.3% | -20.9% | +3.3% | -11.0% | -79.4% | -20.2% | -38.5% | -19.8% | -29.3% | -9.2% | |
| ROIC | 9.0% | 2.4% | 2.4% | 2.3% | 2.6% | 2.1% | 2.1% | 2.2% | 2.2% | 1.9% | 2.1% | 1.8% | 1.9% | 2.1% | 2.6% | 0.5% | 2.2% | 1.9% | 3.2% | 2.4% | 3.2% |
| — | +12.3% | +11.9% | +2.5% | +17.1% | +12.3% | +2.0% | +27.7% | +14.3% | -10.8% | -21.6% | +262.2% | -14.4% | +10.6% | -18.5% | -79.5% | -30.5% | -44.8% | -11.3% | -24.7% | +0.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q1 '27 | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.28 | 0.27 | 0.25 | 0.26 | 0.26 | 0.26 | 0.26 | 0.27 | 0.28 | 0.29 | 0.28 | 0.26 | 0.29 | 0.30 | 0.35 | 0.16 | 0.25 | 0.76 | 0.19 | 0.20 | 0.17 |
| — | +4.9% | -3.9% | -3.9% | -9.7% | -9.7% | -5.2% | +3.1% | -2.1% | -4.9% | -21.6% | +67.4% | +15.4% | -60.2% | +84.6% | -23.2% | +46.1% | +260.7% | -25.9% | -29.0% | -41.4% | |
| Debt / EBITDA | 1.91 | 3.06 | 5.85 | 6.11 | 5.41 | 6.62 | 6.58 | 6.36 | 6.69 | 7.92 | 6.89 | 7.50 | 7.62 | 7.18 | 7.12 | 13.67 | 5.15 | 18.24 | 3.34 | 4.99 | 3.10 |
| — | -53.8% | -11.1% | -4.0% | -19.1% | -16.4% | -4.4% | -15.2% | -12.2% | +10.3% | -3.2% | -45.1% | +48.1% | -60.6% | +113.0% | +173.9% | +66.0% | +420.6% | -14.8% | +1.8% | -34.6% | |
| Current Ratio | 0.12 | 0.12 | 1.10 | 0.12 | 1.09 | 0.07 | 1.09 | 0.10 | 0.09 | 0.13 | 0.13 | 0.16 | 0.16 | 0.13 | 0.13 | 0.16 | 0.11 | 0.12 | 0.13 | 0.18 | 0.16 |
| — | +75.2% | +0.8% | +23.5% | +1159.6% | -45.8% | +743.0% | -36.4% | -47.2% | -4.1% | -1.8% | -1.8% | +50.4% | +15.7% | +2.7% | -12.5% | -33.5% | -20.8% | -16.9% | -6.1% | +2.9% | |
| Quick Ratio | 0.12 | 0.12 | 1.10 | 0.12 | 1.09 | 0.07 | 1.09 | 0.10 | 0.09 | 0.13 | 0.13 | 0.16 | 0.16 | 0.13 | 0.13 | 0.16 | 0.11 | 0.12 | 0.13 | 0.18 | 0.16 |
| — | +75.2% | +0.8% | +23.5% | +1159.6% | -45.8% | +743.0% | -36.4% | -47.2% | -4.1% | -1.8% | -1.8% | +50.4% | +15.7% | +2.7% | -12.5% | -33.5% | -20.8% | -16.9% | -6.1% | +2.9% | |
| Interest Coverage | 0.75 | 1.79 | 0.81 | 0.79 | 0.83 | 0.64 | 0.63 | 0.65 | 0.61 | 0.52 | 0.57 | 0.48 | 0.57 | 0.73 | 1.08 | 0.21 | 1.41 | 1.86 | 4.38 | 3.63 | 5.03 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying SMBC stock.
Southern Missouri Bancorp, Inc.'s current P/E is 10.3x. The average P/E over the last 4 quarters is 9.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Southern Missouri Bancorp, Inc.'s current operating margin is 43.5%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Southern Missouri Bancorp, Inc.'s business trajectory between earnings reports.