Southern Missouri Bancorp (SMBC) Stock Overview
Operates as the bank holding company for Southern Bank that provides banking and financial services to individuals and corporate customers in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 1/6 |
| Past Performance | 4/6 |
| Financial Health | 6/6 |
| Dividends | 5/6 |
SMBC Community Fair Values
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Analyst Price Targets
Southern Missouri Bancorp, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$72.52 |
| 52 Week High | US$79.86 |
| 52 Week Low | US$47.60 |
| Beta | 0.85 |
| 1 Month Change | -5.02% |
| 3 Month Change | 0.014% |
| 1 Year Change | 31.40% |
| 3 Year Change | 83.69% |
| 5 Year Change | 69.04% |
| Change since IPO | 2,764.99% |
Recent News & Updates
Recent updates
Seeking Alpha • Aug 06
Southern Missouri Bancorp: Still Attractive Despite Premium To Tangible Book Value
Summary 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 (<15%), and continued rapid tangible book value per share expansion. SMBC trades at just under 1.7x tangible book value and 11–12x expected earnings, reflecting premium valuation justified by robust earnings retention. Management expects mid-single-digit loan growth in FY27, moderating from 7% in FY26, and anticipates improving asset quality over coming quarters. Read the full article on Seeking Alpha
Narrative Update • Jul 24
SMBC: Future Returns Will Reflect Higher Payouts And Cautious Midwest Repricing
Southern Missouri Bancorp's updated analyst pricing framework now points to a fair value of about $79.67, up from roughly $73.33. Analysts tie the change to refreshed price targets in recent Midwest bank sector previews and modest adjustments to long term growth, margin, and P/E assumptions.Narrative Update • Jun 25
SMBC: Future Returns Will Reflect Buybacks Steady Metrics And Upbeat Street Reassessment
Southern Missouri Bancorp's analyst price target has been revised upward by multiple firms, with recent moves including increases of $1, $3, $4 and $8, as analysts point to updated views on the bank's outlook and valuation. Analyst Commentary Recent research updates on Southern Missouri Bancorp highlight a cluster of upward price target revisions, with analysts reassessing how the stock’s valuation lines up with their expectations for the bank’s execution and growth profile.Narrative Update • Jun 04
SMBC: Future Returns Will Reflect Buybacks Steady Margins And Measured Risk Assumptions
Analyst price targets for Southern Missouri Bancorp have moved higher, with several firms lifting their views by $1 to $8 as analysts incorporate updated assumptions for discount rate, profit margin, and future P/E into their models. Analyst Commentary Recent research updates cluster around higher price targets, with analysts revisiting their assumptions for discount rate, profit margin, and future P/E multiples to align with new views on valuation and execution risk.Narrative Update • Apr 29
SMBC: Future Returns Will Reflect Steady Earnings Power And Measured Capital Deployment
Analysts have lifted the fair value estimate for Southern Missouri Bancorp by around $10, reflecting a series of recent price target increases supported by updated views on the bank's long term earnings power and valuation multiples. Analyst Commentary Recent Street research on Southern Missouri Bancorp has focused on a cluster of price target increases, with analysts updating their views on earnings power and what they see as a fair valuation multiple for the shares.Narrative Update • Dec 11
SMBC: Future Returns Will Reflect Stable Earnings And Balanced Risk Reward Profile
Analysts have raised their price target on Southern Missouri Bancorp to $63 from $61, reflecting increased confidence in the bank's valuation while maintaining a neutral outlook. Analyst Commentary Bullish analysts view the higher price target as a sign that the bank's earnings power and return profile are better aligned with current market valuations than previously assumed.Narrative Update • Nov 27
SMBC: Shares Will Benefit From Ongoing Financial Stability And Consistent Business Trends
Narrative Update on Southern Missouri Bancorp Analysts have raised their price target for Southern Missouri Bancorp to $63 from $61, citing ongoing positive trends and stable financial metrics. Analyst Commentary Following the recent price target adjustment, analysts have provided key insights into the current state and outlook for Southern Missouri Bancorp.Narrative Update • Nov 12
SMBC: Shares Will Reflect Improved Earnings Prospects Amid Raising Price Outlook
Narrative Update on Southern Missouri Bancorp Analysts have raised their price target for Southern Missouri Bancorp, increasing it by $0.67 to $63.50. This change is supported by revised fair value estimates and updated market expectations.Narrative Update • Oct 28
Repurchase Program and Profit Gains Will Drive Expansion and Shareholder Value
Analysts have lowered their price target for Southern Missouri Bancorp from $67.00 to $62.83. This change reflects updated forecasts that incorporate slightly higher revenue growth and profit margins, as well as adjustments to future earnings estimates.Narrative Update • Aug 29
Expansion Into St Louis And Kansas City Will Strengthen Future Prospects
Driven by higher net profit margins and improved revenue growth forecasts, the fair value estimate for Southern Missouri Bancorp has been raised to $67.00. What's in the News The board declared a quarterly cash dividend of $0.25 per share, marking an 8.7% increase over the previous dividend and the company's 125th consecutive quarterly dividend.Seeking Alpha • Apr 28
Southern Missouri Bancorp: Interesting On Margin Rebuild And Credit Loss Record
Summary Southern Missouri Bancorp struggled more than most in the face of higher funding costs, with the bank's net interest margin contracting sharply during the hiking cycle. Southern's liability-sensitive balance sheet has left it better positioned in the easing cycle, with its NIM rebuild continuing last quarter. As economic fears grow, I would take comfort from Southern's credit quality history, with this bank historically recording lower losses than peers. NIM expansion and a low dividend payout ratio should lead to decent growth from here, and today's buyer only needs to pay ~10.5x EPS to own that. Read the full article on Seeking Alpha
New Narrative • Sep 24
Expanding Margins And Operational Efficiency Signal Strong Growth Ahead For Banking Sector
Expansion in net interest margin and strong loan growth in real estate suggest future revenue growth from increased interest income.Analysis Article • May 05
Southern Missouri Bancorp (NASDAQ:SMBC) Is Paying Out A Dividend Of $0.21
Southern Missouri Bancorp, Inc. ( NASDAQ:SMBC ) has announced that it will pay a dividend of $0.21 per share on the...Analysis Article • Feb 02
Southern Missouri Bancorp (NASDAQ:SMBC) Has Affirmed Its Dividend Of $0.21
Southern Missouri Bancorp, Inc. ( NASDAQ:SMBC ) has announced that it will pay a dividend of $0.21 per share on the...Analysis Article • Oct 27
Southern Missouri Bancorp's (NASDAQ:SMBC) Dividend Will Be $0.21
The board of Southern Missouri Bancorp, Inc. ( NASDAQ:SMBC ) has announced that it will pay a dividend of $0.21 per...Analysis Article • Oct 24
Here's Why Southern Missouri Bancorp, Inc.'s (NASDAQ:SMBC) CEO Might See A Pay Rise Soon
Key Insights Southern Missouri Bancorp will host its Annual General Meeting on 30th of October CEO Greg Steffens' total...Analysis Article • Jul 29
Southern Missouri Bancorp (NASDAQ:SMBC) Has Announced A Dividend Of $0.21
The board of Southern Missouri Bancorp, Inc. ( NASDAQ:SMBC ) has announced that it will pay a dividend of $0.21 per...Analysis Article • Apr 29
Southern Missouri Bancorp's (NASDAQ:SMBC) Dividend Will Be $0.21
Southern Missouri Bancorp, Inc.'s ( NASDAQ:SMBC ) investors are due to receive a payment of $0.21 per share on 31st of...Seeking Alpha • Sep 20
Southern Missouri Bancorp and Citizens Bancshares to merge
Southern Missouri Bancorp (NASDAQ:SMBC), parent of Southern Bank, and Citizens Bancshares, parent company of Citizens Bank and Trust Company sign merger agreement whereby Southern Missouri will acquire Citizens in a stock and cash transaction. Citizens’ shareholders will have the right to elect either a fixed exchange ratio of 1.1448 shares of Southern Missouri common stock or a cash payment of $53.50 for each Citizens’ share. The deal value equates to 150% of Citizens’ tangible capital at June 30, 2022, represents a 5.9% premium to core deposits, and is a multiple of 7.1 times Citizens’ projected forward earnings. At June 30, 2022, Citizens’ consolidated assets were $1B, including net loans of $465M, while deposits totaled $879M. Southern Missouri reported total assets at June 30, 2022, of $3.2B, including net loans of $2.7B, and total deposits of $2.8B. Transaction completion is expected in Q1 2023.Shareholder Returns
| SMBC | US Banks | US Market | |
|---|---|---|---|
| 7D | -0.4% | -3.1% | -1.1% |
| 1Y | 31.4% | 12.6% | 11.7% |
Return vs Industry: SMBC exceeded the US Banks industry which returned 16.5% over the past year.
Return vs Market: SMBC exceeded the US Market which returned 12.1% over the past year.
Price Volatility
| SMBC volatility | |
|---|---|
| SMBC Average Weekly Movement | 2.5% |
| Banks Industry Average Movement | 3.1% |
| Market Average Movement | 6.9% |
| 10% most volatile stocks in US Market | 15.2% |
| 10% least volatile stocks in US Market | 2.9% |
Stable Share Price: SMBC has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: SMBC's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1887 | 725 | Greg Steffens | www.bankwithsouthern.com |
Southern Missouri Bancorp, Inc. operates as the bank holding company for Southern Bank that provides banking and financial services to individuals and corporate customers in the United States. The company offers deposit products, including interest-bearing and noninterest-bearing transaction accounts, money market deposit accounts, savings accounts, certificates of deposit, and retirement savings plans. It also provides loans secured by mortgages on one- to four-family residences and commercial and agricultural real estate; construction loans on residential and commercial properties; commercial and agricultural business loans; consumer loans; and business financing, including small business, working capital, business real estate, and equipment loans.
Southern Missouri Bancorp, Inc. Fundamentals Summary
| SMBC fundamental statistics | |
|---|---|
| Market cap | US$809.37m |
| Earnings (TTM) | US$71.53m |
| Revenue (TTM) | US$189.19m |
11.2x
P/E Ratio1.4x
P/B RatioIs SMBC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| SMBC income statement (TTM) | |
|---|---|
| Revenue | US$189.19m |
| Cost of Revenue | US$0 |
| Gross Profit | US$189.19m |
| Other Expenses | US$117.67m |
| Earnings | US$71.53m |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 6.49 |
| Gross Margin | 100.00% |
| Net Profit Margin | 37.81% |
| Debt/Equity Ratio | 28.2% |
How did SMBC perform over the long term?
See historical performance and comparisonDividends
1.5%
Current Dividend Yield16%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/09/16 05:31 |
| End of Day Share Price | 2026/09/16 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2026/06/30 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Southern Missouri Bancorp, Inc. is covered by 6 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Christopher McGratty | Keefe, Bruyette, & Woods |
| Kelly Motta | Keefe, Bruyette, & Woods |
| Nathan Race | Piper Sandler Companies |