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SOUTHERN MISSOURI BANCORP (SMBC) Stock Fundamental Analysis

NASDAQ:SMBC - Nasdaq - US8433801060 - Common Stock - Currency: USD

52.625  +0.19 (+0.35%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to SMBC. SMBC was compared to 392 industry peers in the Banks industry. SMBC has a bad profitability rating. Also its financial health evaluation is rather negative. SMBC has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

SMBC had positive earnings in the past year.
SMBC had a positive operating cash flow in the past year.
SMBC had positive earnings in 4 of the past 5 years.
SMBC had a positive operating cash flow in 4 of the past 5 years.
SMBC Yearly Net Income VS EBIT VS OCF VS FCFSMBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

1.2 Ratios

Looking at the Return On Assets, with a value of 1.13%, SMBC is in the better half of the industry, outperforming 75.77% of the companies in the same industry.
The Return On Equity of SMBC (10.60%) is better than 74.74% of its industry peers.
Industry RankSector Rank
ROA 1.13%
ROE 10.6%
ROIC N/A
ROA(3y)1.15%
ROA(5y)1.25%
ROE(3y)11.2%
ROE(5y)12.17%
ROIC(3y)N/A
ROIC(5y)N/A
SMBC Yearly ROA, ROE, ROICSMBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

SMBC's Profit Margin of 31.52% is amongst the best of the industry. SMBC outperforms 84.18% of its industry peers.
In the last couple of years the Profit Margin of SMBC has declined.
SMBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 31.52%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.02%
PM growth 5Y-2.02%
GM growth 3YN/A
GM growth 5YN/A
SMBC Yearly Profit, Operating, Gross MarginsSMBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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3

2. Health

2.1 Basic Checks

SMBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
SMBC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
SMBC Yearly Shares OutstandingSMBC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
SMBC Yearly Total Debt VS Total AssetsSMBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

The Debt to FCF ratio of SMBC is 0.61, which is an excellent value as it means it would take SMBC, only 0.61 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.61, SMBC belongs to the best of the industry, outperforming 81.12% of the companies in the same industry.
SMBC has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.07, SMBC is doing good in the industry, outperforming 77.30% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.61
Altman-Z N/A
ROIC/WACCN/A
WACC7.99%
SMBC Yearly LT Debt VS Equity VS FCFSMBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SMBC Yearly Current Assets VS Current LiabilitesSMBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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1

3. Growth

3.1 Past

SMBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.19%, which is quite good.
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.
EPS 1Y (TTM)17.19%
EPS 3Y-0.26%
EPS 5Y11.62%
EPS Q2Q%16.81%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%11.08%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y7.32%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.09%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
SMBC Yearly Revenue VS EstimatesSMBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M
SMBC Yearly EPS VS EstimatesSMBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.16, which indicates a very decent valuation of SMBC.
Based on the Price/Earnings ratio, SMBC is valued a bit cheaper than the industry average as 73.21% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of SMBC to the average of the S&P500 Index (26.99), we can say SMBC is valued rather cheaply.
SMBC is valuated reasonably with a Price/Forward Earnings ratio of 9.47.
SMBC's Price/Forward Earnings ratio is in line with the industry average.
SMBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.36, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.16
Fwd PE 9.47
SMBC Price Earnings VS Forward Price EarningsSMBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

65.05% of the companies in the same industry are more expensive than SMBC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.48
EV/EBITDA N/A
SMBC Per share dataSMBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

SMBC's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.39
PEG (5Y)0.87
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

SMBC has a Yearly Dividend Yield of 1.85%. Purely for dividend investing, there may be better candidates out there.
SMBC's Dividend Yield is slightly below the industry average, which is at 3.51.
Compared to the average S&P500 Dividend Yield of 2.40, SMBC is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.85%

5.2 History

On average, the dividend of SMBC grows each year by 10.16%, which is quite nice.
SMBC has paid a dividend for at least 10 years, which is 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)10.16%
Div Incr Years13
Div Non Decr Years29
SMBC Yearly Dividends per shareSMBC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

18.13% of the earnings are spent on dividend by SMBC. This is a low number and sustainable payout ratio.
The dividend of SMBC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP18.13%
EPS Next 2YN/A
EPS Next 3YN/A
SMBC Yearly Income VS Free CF VS DividendSMBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
SMBC Dividend Payout.SMBC Dividend Payout, showing the Payout Ratio.SMBC Dividend Payout.PayoutRetained Earnings

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SOUTHERN MISSOURI BANCORP

NASDAQ:SMBC (8/7/2025, 11:24:50 AM)

52.625

+0.19 (+0.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23/amc
Earnings (Next)10-28 2025-10-28
Inst Owners53.19%
Inst Owner Change-0.02%
Ins Owners15.55%
Ins Owner Change0.42%
Market Cap594.66M
Analysts82.5
Price Target64.26 (22.11%)
Short Float %0.99%
Short Ratio2.16
Dividend
Industry RankSector Rank
Dividend Yield 1.85%
Yearly Dividend0.84
Dividend Growth(5Y)10.16%
DP18.13%
Div Incr Years13
Div Non Decr Years29
Ex-Date08-15 2025-08-15 (0.25)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.53%
Min EPS beat(2)1.42%
Max EPS beat(2)5.64%
EPS beat(4)3
Avg EPS beat(4)2.15%
Min EPS beat(4)-2.55%
Max EPS beat(4)5.64%
EPS beat(8)5
Avg EPS beat(8)1.97%
EPS beat(12)6
Avg EPS beat(12)-6.21%
EPS beat(16)9
Avg EPS beat(16)-1.41%
Revenue beat(2)0
Avg Revenue beat(2)-0.29%
Min Revenue beat(2)-0.38%
Max Revenue beat(2)-0.2%
Revenue beat(4)1
Avg Revenue beat(4)-0.25%
Min Revenue beat(4)-1.11%
Max Revenue beat(4)0.7%
Revenue beat(8)2
Avg Revenue beat(8)-1.1%
Revenue beat(12)3
Avg Revenue beat(12)-1.3%
Revenue beat(16)6
Avg Revenue beat(16)-0.03%
PT rev (1m)0%
PT rev (3m)1.07%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.58%
EPS NY rev (1m)0%
EPS NY rev (3m)2.01%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.62%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.05%
Valuation
Industry RankSector Rank
PE 10.16
Fwd PE 9.47
P/S 3.34
P/FCF 9.48
P/OCF 8.56
P/B 1.12
P/tB 1.31
EV/EBITDA N/A
EPS(TTM)5.18
EY9.84%
EPS(NY)5.56
Fwd EY10.56%
FCF(TTM)5.55
FCFY10.55%
OCF(TTM)6.15
OCFY11.68%
SpS15.74
BVpS46.8
TBVpS40.19
PEG (NY)1.39
PEG (5Y)0.87
Profitability
Industry RankSector Rank
ROA 1.13%
ROE 10.6%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.52%
GM N/A
FCFM 35.28%
ROA(3y)1.15%
ROA(5y)1.25%
ROE(3y)11.2%
ROE(5y)12.17%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.02%
PM growth 5Y-2.02%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.61
Debt/EBITDA N/A
Cap/Depr 66.19%
Cap/Sales 3.77%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 111.93%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC7.99%
ROIC/WACCN/A
Cap/Depr(3y)82.56%
Cap/Depr(5y)75.57%
Cap/Sales(3y)4.39%
Cap/Sales(5y)4.05%
Profit Quality(3y)133.2%
Profit Quality(5y)126.91%
High Growth Momentum
Growth
EPS 1Y (TTM)17.19%
EPS 3Y-0.26%
EPS 5Y11.62%
EPS Q2Q%16.81%
EPS Next Y7.32%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%11.08%
Revenue Next Year9.09%
Revenue Next 2YN/A
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 1Y11.33%
FCF growth 3Y7.78%
FCF growth 5Y14.65%
OCF growth 1Y14.16%
OCF growth 3Y10.73%
OCF growth 5Y12.73%