62.36 USD
-1.51 (-2.36%)
SMBC gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. SMBC has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
- In the past year SMBC had a positive cash flow from operations.
- In the past 5 years SMBC has always been profitable.
- In the past 5 years SMBC always reported a positive cash flow from operatings.
1.2 Ratios
- SMBC's Return On Assets of 1.22% is fine compared to the rest of the industry. SMBC outperforms 77.55% of its industry peers.
- SMBC has a better Return On Equity (10.98%) than 73.63% of its industry peers.
| 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
- The Profit Margin of SMBC (32.76%) is better than 85.64% of its industry peers.
- SMBC's Profit Margin has improved 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) | 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.
- SMBC has about the same amout of shares outstanding than it did 1 year ago.
- SMBC has more shares outstanding than it did 5 years ago.
- SMBC has a worse debt/assets ratio than last year.
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.
- Looking at the Debt to FCF ratio, with a value of 0.53, SMBC is in the better half of the industry, outperforming 79.37% of the companies in the same industry.
- A Debt/Equity ratio of 0.08 indicates that SMBC is not too dependend on debt financing.
- SMBC has a Debt to Equity ratio of 0.08. This is in the better half of the industry: SMBC outperforms 73.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.53 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.26%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- SMBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.52%, which is quite impressive.
- The Earnings Per Share has been growing by 11.62% on average over the past years. This is quite good.
- 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
- SMBC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.74% yearly.
- The Revenue is expected to grow by 8.07% on average over the next years. This is quite good.
EPS Next Y18.65%
EPS Next 2Y13.74%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.28%
Revenue Next 2Y8.07%
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.
- 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
- With a Price/Earnings ratio of 11.42, the valuation of SMBC can be described as very reasonable.
- 64.75% of the companies in the same industry are more expensive than SMBC, based on the Price/Earnings ratio.
- SMBC is valuated cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 9.31, the valuation of SMBC can be described as reasonable.
- SMBC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. SMBC is cheaper than 75.72% of the companies in the same industry.
- SMBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.32, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.42 | ||
| Fwd PE | 9.31 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of SMBC indicates a somewhat cheap valuation: SMBC is cheaper than 78.59% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.5 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- SMBC's earnings are expected to grow with 13.74% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.61
PEG (5Y)0.98
EPS Next 2Y13.74%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- SMBC has a Yearly Dividend Yield of 1.61%. Purely for dividend investing, there may be better candidates out there.
- SMBC's Dividend Yield is slightly below the industry average, which is at 2.84.
- Compared to an average S&P500 Dividend Yield of 1.82, SMBC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.61% |
5.2 History
- The dividend of SMBC is nicely growing with an annual growth rate of 8.95%!
- SMBC has paid a dividend for at least 10 years, which is 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
- 17.24% of the earnings are spent on dividend by SMBC. This is a low number and 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
SOUTHERN MISSOURI BANCORP / SMBC FAQ
Can you provide the ChartMill fundamental rating for SOUTHERN MISSOURI BANCORP?
ChartMill assigns a fundamental rating of 5 / 10 to SMBC.
What is the valuation status for SMBC stock?
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.
How financially healthy is SOUTHERN MISSOURI BANCORP?
The financial health rating of SOUTHERN MISSOURI BANCORP (SMBC) is 3 / 10.
How sustainable is the dividend of SOUTHERN MISSOURI BANCORP (SMBC) stock?
The dividend rating of SOUTHERN MISSOURI BANCORP (SMBC) is 6 / 10 and the dividend payout ratio is 17.24%.