SMBC trades 17.8% below Wall Street's consensus target of $84.00.
Last 12 months price action with 12-month analyst target path
The base valuation assumes SMBC achieves its forward estimates and maintains a stable P/E multiple of 11.5x. This scenario reflects the blended consensus of 3 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of September 24, 2026, Southern Missouri Bancorp, Inc. (SMBC) has a Wall Street consensus price target of $84.00, based on estimates from 3 covering analysts. With the stock currently trading at $71.33, this represents a potential upside of +17.8%. The company has a market capitalization of $786M.
Analyst price targets range from a low of $83.00 to a high of $85.00, representing a 2% spread in expectations. The median target of $84.00 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Hold, with 1 analysts rating the stock as a Buy or Strong Buy,2 rating it Hold, and 0 rating it Sell or Strong Sell. The mixed ratings reflect uncertainty about near-term direction.
From a valuation perspective, SMBC trades at a trailing P/E of 13.8x and forward P/E of 11.5x. The forward PEG ratio of 0.99 suggests the stock may be undervalued relative to its growth. Analysts expect EPS to grow +2.1% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $94.98, with bear and bull scenarios of $59.84 and $125.15 respectively. Model confidence stands at 49/100, suggesting limited visibility into future performance.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 FFINFirst Financial Bankshares, Inc. | $4.6B | $31.92 | $35.33 | +10.7% | Hold | 15.6x | 16 |
 IBCPIndependent Bank Corporation | $727M | $35.30 | $39.50 | +11.9% | Hold | 9.9x | 8 |
 NBTBNBT Bancorp Inc. | $2.6B | $50.48 | $56.67 | +12.3% | Hold | 12.1x | 10 |
 CVBFCVB Financial Corp. | $3.2B | $22.01 | $26.67 | +21.2% | Hold | 14.6x | 16 |
 SFNCSimmons First National Corporation | $3.3B | $22.89 | $26.17 | +14.3% | Buy | 11.2x | 9 |
 UBSIUnited Bankshares, Inc. | $6.4B | $46.22 | $49.50 | +7.1% | Hold | 12.5x | 11 |
 HOMBHome Bancshares, Inc. | $5.8B | $28.84 | $33.25 | +15.3% | Hold | 11.5x | 19 |
 BOKFBOK Financial Corporation | $7.9B | $130.58 | $149.00 | +14.1% | Hold | 12.3x | 21 |
 RNSTRenasant Corporation | $3.6B | $39.70 | $48.00 | +20.9% | Buy | 10.5x | 16 |
 FBIZFirst Business Financial Services, Inc. | $580M | $69.32 | $76.00 | +9.6% | Buy | 10.6x | 10 |
Quick answers to the most common questions about buying SMBC stock.
Southern Missouri Bancorp, Inc. (SMBC) has a consensus 12-month price target of $84, implying 17.8% upside from $71.33. The 3 analysts covering SMBC see moderate appreciation potential.
SMBC has a consensus rating of "Hold" based on 3 Wall Street analysts. The rating breakdown is mixed, with 2 Hold ratings making up the largest segment. The consensus 12-month price target of $84 implies 17.8% upside from current levels.
With a forward P/E of 11.4924x, SMBC trades at a relatively low valuation. The consensus target of $84 implies 17.8% appreciation, suggesting meaningful undervaluation.
The most bullish Wall Street analyst has a price target of $85 for SMBC, while the most conservative target is $83. The consensus of $84 represents the median expectation. Our quantitative valuation model projects a bull case target of $125 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
SMBC is lightly followed, with 3 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 1 have Buy ratings, 2 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month SMBC stock forecast based on 3 Wall Street analysts shows a consensus price target of $84, with estimates ranging from $83 (bear case) to $85 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $95, with bear/bull scenarios of $60/$125.
Our quantitative valuation model calculates SMBC's fair value at $95 (base case), with a bear case of $60 and bull case of $125. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 49/100.
SMBC trades at a forward P/E ratio of 11.5x based on next-twelve-months earnings estimates compared to a trailing P/E of 13.8x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Wall Street analysts are optimistic on SMBC, with a "Hold" consensus rating and $84 price target (17.8% upside). 1 of 3 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
SMBC analyst price targets range from $83 to $85, a 2% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $84 consensus represents the middle ground. Our model's $60-$125 range provides an independent fundamental perspective.
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