SOUTHERN MISSOURI BANCORP (SMBC)
US8433801060 - Common Stock
Taking everything into account, SMBC scores 4 out of 10 in our fundamental rating. SMBC was compared to 412 industry peers in the Banks industry. SMBC has a bad profitability rating. Also its financial health evaluation is rather negative. SMBC is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year SMBC was profitable.
SMBC had a positive operating cash flow in the past year.
Each year in the past 5 years SMBC has been profitable.
Each year in the past 5 years SMBC had a positive operating cash flow.
1.2 Ratios
SMBC has a Return On Assets (0.93%) which is comparable to the rest of the industry.
SMBC's Return On Equity of 9.17% is in line compared to the rest of the industry. SMBC outperforms 50.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.93% | ||
| ROE | 9.17% | ||
| ROIC | N/A |
ROA(3y)1.37%
ROA(5y)1.3%
ROE(3y)13.33%
ROE(5y)12.55%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
SMBC's Profit Margin of 25.88% is fine compared to the rest of the industry. SMBC outperforms 60.92% of its industry peers.
SMBC's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for SMBC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.88% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.16%
PM growth 5Y-1.81%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SMBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for SMBC has been increased compared to 1 year ago.
SMBC has more shares outstanding than it did 5 years ago.
SMBC has a better debt/assets ratio than last year.
2.2 Solvency
SMBC has a debt to FCF ratio of 0.40. This is a very positive value and a sign of high solvency as it would only need 0.40 years to pay back of all of its debts.
SMBC has a better Debt to FCF ratio (0.40) than 84.47% of its industry peers.
SMBC has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
SMBC has a better Debt to Equity ratio (0.14) than 68.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 0.4 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.6%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for SMBC have decreased strongly by -17.51% in the last year.
SMBC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.13% yearly.
Looking at the last year, SMBC shows a very strong growth in Revenue. The Revenue has grown by 26.20%.
Measured over the past years, SMBC shows a quite strong growth in Revenue. The Revenue has been growing by 15.37% on average per year.
EPS 1Y (TTM)-17.51%
EPS 3Y9.91%
EPS 5Y10.13%
EPS growth Q2Q-15.08%
Revenue 1Y (TTM)26.2%
Revenue growth 3Y17.23%
Revenue growth 5Y15.37%
Revenue growth Q2Q19.03%
3.2 Future
The Earnings Per Share is expected to grow by 8.87% on average over the next years. This is quite good.
SMBC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.32% yearly.
EPS Next Y10.22%
EPS Next 2Y8.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.47%
Revenue Next 2Y8.32%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.57, which indicates a very decent valuation of SMBC.
The rest of the industry has a similar Price/Earnings ratio as SMBC.
SMBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.06.
Based on the Price/Forward Earnings ratio of 8.78, the valuation of SMBC can be described as reasonable.
Based on the Price/Forward Earnings ratio, SMBC is valued a bit cheaper than the industry average as 75.24% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.72, SMBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.57 | ||
| Fwd PE | 8.78 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as SMBC.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.18 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.03
PEG (5Y)1.04
EPS Next 2Y8.87%
EPS Next 3YN/A
5. Dividend
5.1 Amount
SMBC has a Yearly Dividend Yield of 2.07%. Purely for dividend investing, there may be better candidates out there.
SMBC's Dividend Yield is slightly below the industry average, which is at 3.84.
Compared to an average S&P500 Dividend Yield of 2.41, SMBC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
5.2 History
The dividend of SMBC is nicely growing with an annual growth rate of 14.11%!
SMBC has been paying a dividend for at least 10 years, so it has a reliable track record.
SMBC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)14.11%
Div Incr Years12
Div Non Decr Years19
5.3 Sustainability
SMBC pays out 22.06% of its income as dividend. This is a sustainable payout ratio.
The dividend of SMBC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP22.06%
EPS Next 2Y8.87%
EPS Next 3YN/A
SOUTHERN MISSOURI BANCORP
NASDAQ:SMBC (5/2/2024, 7:19:42 PM)
After market: 41.31 0 (0%)41.31
+0.81 (+2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap469.28M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.57 | ||
| Fwd PE | 8.78 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.03
PEG (5Y)1.04
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.93% | ||
| ROE | 9.17% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 25.88% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-17.51%
EPS 3Y9.91%
EPS 5Y
EPS growth Q2Q
EPS Next Y10.22%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)26.2%
Revenue growth 3Y17.23%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y