61.72 USD
-1.55 (-2.45%)
61.72 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to SMBC. SMBC was compared to 388 industry peers in the Banks industry. There are concerns on the financial health of SMBC while its profitability can be described as average. 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.
SMBC had positive earnings in each of the past 5 years.
SMBC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
SMBC has a better Return On Assets (1.22%) than 77.32% of its industry peers.
With a decent Return On Equity value of 10.98%, SMBC is doing good in the industry, outperforming 73.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.22% | ||
| ROE | 10.98% | ||
| ROIC | N/A |
ROA(3y)1.05%
ROA(5y)1.27%
ROE(3y)9.89%
ROE(5y)12.18%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
SMBC's Profit Margin of 32.76% is amongst the best of the industry. SMBC outperforms 86.08% of its industry peers.
In the last couple of years the Profit Margin of SMBC has grown nicely.
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) | 32.76% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.35%
PM growth 5Y1.96%
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 remains at a similar level compared to 1 year ago.
SMBC has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, SMBC has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of SMBC is 0.53, which is an excellent value as it means it would take SMBC, only 0.53 years of fcf income to pay off all of its debts.
SMBC has a better Debt to FCF ratio (0.53) than 79.38% of its industry peers.
SMBC has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
SMBC has a Debt to Equity ratio of 0.08. This is in the better half of the industry: SMBC outperforms 73.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.53 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.16%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 25.52% over the past year.
Measured over the past years, SMBC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.62% on average per year.
The Revenue has decreased by -9.80% in the past year.
Measured over the past years, SMBC shows a quite strong growth in Revenue. The Revenue has been growing by 13.98% on average per year.
EPS 1Y (TTM)25.52%
EPS 3Y-0.26%
EPS 5Y11.62%
EPS Q2Q%25.45%
Revenue 1Y (TTM)-9.8%
Revenue growth 3Y13.53%
Revenue growth 5Y13.98%
Sales Q2Q%11.76%
3.2 Future
The Earnings Per Share is expected to grow by 13.74% on average over the next years. This is quite good.
The Revenue is expected to grow by 7.92% on average over the next years.
EPS Next Y18.32%
EPS Next 2Y13.74%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.85%
Revenue Next 2Y7.92%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.30, the valuation of SMBC can be described as reasonable.
68.30% of the companies in the same industry are more expensive than SMBC, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.39, SMBC is valued rather cheaply.
SMBC is valuated reasonably with a Price/Forward Earnings ratio of 9.21.
Based on the Price/Forward Earnings ratio, SMBC is valued a bit cheaper than the industry average as 75.77% of the companies are valued more expensively.
SMBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.3 | ||
| Fwd PE | 9.21 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SMBC is valued a bit cheaper than the industry average as 78.35% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.42 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SMBC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as SMBC's earnings are expected to grow with 13.74% in the coming years.
PEG (NY)0.62
PEG (5Y)0.97
EPS Next 2Y13.74%
EPS Next 3YN/A
5. Dividend
5.1 Amount
SMBC has a Yearly Dividend Yield of 1.58%.
SMBC's Dividend Yield is slightly below the industry average, which is at 2.74.
Compared to an average S&P500 Dividend Yield of 1.87, SMBC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.58% |
5.2 History
The dividend of SMBC is nicely growing with an annual growth rate of 8.95%!
SMBC has been paying a dividend for at least 10 years, so it has a reliable track record.
SMBC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)8.95%
Div Incr Years13
Div Non Decr Years29
5.3 Sustainability
SMBC pays out 17.24% of its income as dividend. This is a sustainable payout ratio.
SMBC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP17.24%
EPS Next 2Y13.74%
EPS Next 3YN/A
61.72
-1.55 (-2.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners54.69%
Inst Owner Change-0.51%
Ins Owners13.19%
Ins Owner Change0%
Market Cap691.26M
Revenue(TTM)187.75M
Net Income(TTM)61.50M
Analysts80
Price Target64.43 (4.39%)
Short Float %1.07%
Short Ratio1.65
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.58% |
Yearly Dividend0.92
Dividend Growth(5Y)8.95%
DP17.24%
Div Incr Years13
Div Non Decr Years29
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3%
Min EPS beat(2)-2.15%
Max EPS beat(2)8.15%
EPS beat(4)3
Avg EPS beat(4)3.27%
Min EPS beat(4)-2.15%
Max EPS beat(4)8.15%
EPS beat(8)4
Avg EPS beat(8)0.2%
EPS beat(12)6
Avg EPS beat(12)-5.64%
EPS beat(16)8
Avg EPS beat(16)-4.84%
Revenue beat(2)1
Avg Revenue beat(2)-0.63%
Min Revenue beat(2)-2.08%
Max Revenue beat(2)0.83%
Revenue beat(4)1
Avg Revenue beat(4)-0.46%
Min Revenue beat(4)-2.08%
Max Revenue beat(4)0.83%
Revenue beat(8)2
Avg Revenue beat(8)-1.61%
Revenue beat(12)3
Avg Revenue beat(12)-1.61%
Revenue beat(16)5
Avg Revenue beat(16)-0.95%
PT rev (1m)1.07%
PT rev (3m)-5.72%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.77%
EPS NY rev (1m)1.51%
EPS NY rev (3m)5.42%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.8%
Revenue NY rev (1m)0.57%
Revenue NY rev (3m)0.57%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.3 | ||
| Fwd PE | 9.21 | ||
| P/S | 3.68 | ||
| P/FCF | 8.42 | ||
| P/OCF | 7.87 | ||
| P/B | 1.23 | ||
| P/tB | 1.42 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.46
EY8.85%
EPS(NY)6.7
Fwd EY10.86%
FCF(TTM)7.33
FCFY11.88%
OCF(TTM)7.85
OCFY12.71%
SpS16.76
BVpS50.02
TBVpS43.51
PEG (NY)0.62
PEG (5Y)0.97
Graham Number78.39
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.22% | ||
| ROE | 10.98% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 32.76% | ||
| GM | N/A | ||
| FCFM | 43.74% |
ROA(3y)1.05%
ROA(5y)1.27%
ROE(3y)9.89%
ROE(5y)12.18%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.35%
PM growth 5Y1.96%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.53 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 57.24% | ||
| Cap/Sales | 3.05% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 133.54% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC8.16%
ROIC/WACCN/A
Cap/Depr(3y)77.38%
Cap/Depr(5y)72.57%
Cap/Sales(3y)4.3%
Cap/Sales(5y)3.83%
Profit Quality(3y)131.76%
Profit Quality(5y)126.55%
High Growth Momentum
Growth
EPS 1Y (TTM)25.52%
EPS 3Y-0.26%
EPS 5Y11.62%
EPS Q2Q%25.45%
EPS Next Y18.32%
EPS Next 2Y13.74%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-9.8%
Revenue growth 3Y13.53%
Revenue growth 5Y13.98%
Sales Q2Q%11.76%
Revenue Next Year11.85%
Revenue Next 2Y7.92%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y32.26%
FCF growth 3Y6.28%
FCF growth 5Y15.9%
OCF growth 1Y27.03%
OCF growth 3Y6.59%
OCF growth 5Y15.14%
SOUTHERN MISSOURI BANCORP / SMBC FAQ
Can you provide the ChartMill fundamental rating for SOUTHERN MISSOURI BANCORP?
ChartMill assigns a fundamental rating of 4 / 10 to SMBC.
Can you provide the valuation status for SOUTHERN MISSOURI BANCORP?
ChartMill assigns a valuation rating of 6 / 10 to SOUTHERN MISSOURI BANCORP (SMBC). This can be considered as Fairly Valued.
Can you provide the profitability details for SOUTHERN MISSOURI BANCORP?
SOUTHERN MISSOURI BANCORP (SMBC) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for SMBC stock?
The Price/Earnings (PE) ratio for SOUTHERN MISSOURI BANCORP (SMBC) is 11.3 and the Price/Book (PB) ratio is 1.23.
Can you provide the financial health for SMBC stock?
The financial health rating of SOUTHERN MISSOURI BANCORP (SMBC) is 3 / 10.