Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | 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 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.77 | 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 | 7.85 | 7.35 |
| — | +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% | +45.1% | -8.1% | |
| P/S Ratio | 4.31 | 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 | 3.30 | 3.47 |
| — | +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% | +66.3% | +63.9% | |
| P/B Ratio | 1.48 | 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 | 1.36 | 1.41 |
| — | +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% | +64.6% | +64.4% | |
| P/FCF | 10.44 | 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 | 8.94 | 5.66 |
| — | -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% | -9.1% | +12.5% | |
| EV / EBITDA | 8.75 | 7.86 | 6.67 | 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 | 4.93 | 4.69 |
| — | +40.3% | -10.2% | -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% | +2.2% | -24.3% | |
| EV / EBIT | 9.93 | 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 | 5.36 | 5.06 |
| — | +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% | +0.1% | -29.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | 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 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 57.7% | 61.7% | 62.8% | 55.9% | 57.9% | 59.1% | 57.8% | 55.9% | 57.9% | 56.3% | 58.4% | 63.1% | 70.2% | 54.9% | 73.5% | 71.5% | 89.4% | 85.6% | 90.9% | 91.3% | 97.0% |
| — | +4.4% | +8.8% | -0.0% | -0.1% | +4.9% | -1.0% | -11.4% | -17.4% | +2.5% | -20.6% | -11.8% | -21.5% | -35.8% | -19.1% | -21.7% | -7.9% | -3.6% | +8.1% | +12.0% | +29.8% | |
| Operating Margin | 24.2% | 28.2% | 30.9% | 24.4% | 24.6% | 25.9% | 25.2% | 21.2% | 23.4% | 20.3% | 22.9% | 26.0% | 30.8% | 5.5% | 33.7% | 29.7% | 43.8% | 35.2% | 45.8% | 48.6% | 53.2% |
| — | +8.7% | +22.6% | +15.0% | +4.9% | +27.4% | +10.1% | -18.3% | -24.1% | +271.2% | -32.2% | -12.5% | -29.7% | -84.5% | -26.3% | -38.9% | -17.5% | -23.5% | +1.1% | +21.9% | +92.1% | |
| Net Margin | 19.1% | 22.8% | 23.0% | 19.7% | 20.3% | 20.4% | 19.2% | 16.7% | 18.7% | 16.2% | 18.1% | 20.6% | 24.6% | 4.4% | 26.3% | 23.7% | 34.4% | 28.1% | 35.9% | 38.2% | 42.3% |
| — | +11.7% | +19.6% | +17.7% | +8.5% | +25.5% | +5.9% | -18.7% | -24.1% | +268.0% | -31.1% | -13.3% | -28.4% | -84.3% | -26.7% | -37.9% | -18.7% | -22.4% | +0.1% | +22.0% | +93.9% |
| Metric | TTM | 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 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.3% | 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% | 4.4% | 4.9% |
| — | +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% | +14.7% | +81.2% | |
| ROA | 1.2% | 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% | 0.5% | 0.5% |
| — | +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% | +19.3% | +79.6% | |
| ROIC | 8.5% | 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% | 3.4% | 3.7% |
| — | +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% | +26.2% | +104.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | 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 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.26 | 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 | 0.21 | 0.26 |
| — | -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% | -45.7% | -22.1% | |
| Debt / EBITDA | 1.69 | 6.11 | 5.77 | 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 | 3.50 | 3.92 |
| — | -4.0% | -13.8% | -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% | -50.9% | -53.2% | |
| Current Ratio | 1.09 | 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 | 0.15 | 0.15 |
| — | +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% | +28.1% | +30.3% | |
| Quick Ratio | 1.09 | 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 | 0.15 | 0.15 |
| — | +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% | +28.1% | +30.3% | |
| Interest Coverage | 0.60 | 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 | 5.04 | 4.80 |
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Includes 30+ ratios · 47 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 13.8x. The average P/E over the last 4 quarters is 9.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Southern Missouri Bancorp, Inc.'s current operating margin is 24.2%. Margins have been expanding 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.