SOUTHERN MISSOURI BANCORP (SMBC) Fundamental Analysis & Valuation

NASDAQ:SMBC • US8433801060

61.7 USD
+0.05 (+0.08%)
At close: Mar 10, 2026
61.7 USD
0 (0%)
After Hours: 3/10/2026, 8:00:03 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This SMBC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to SMBC. SMBC was compared to 381 industry peers in the Banks industry. While SMBC is still in line with the averages on profitability rating, there are concerns on its financial health. SMBC has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

5

1. SMBC Profitability Analysis

1.1 Basic Checks

  • SMBC had positive earnings in the past year.
  • In the past year SMBC had a positive cash flow from operations.
  • In the past 5 years SMBC has always been profitable.
  • SMBC had a positive operating cash flow in each 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

1.2 Ratios

  • SMBC has a better Return On Assets (1.28%) than 80.05% of its industry peers.
  • The Return On Equity of SMBC (11.45%) is better than 77.43% of its industry peers.
Industry RankSector Rank
ROA 1.28%
ROE 11.45%
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
SMBC Yearly ROA, ROE, ROICSMBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 33.78%, SMBC belongs to the top of the industry, outperforming 86.88% of the companies in the same industry.
  • In the last couple of years the Profit Margin of SMBC has grown nicely.
  • 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) 33.78%
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
SMBC Yearly Profit, Operating, Gross MarginsSMBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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3

2. SMBC Health Analysis

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.
  • The number of shares outstanding for SMBC has been increased compared to 5 years ago.
  • The debt/assets ratio for SMBC is higher compared to a year ago.
SMBC Yearly Shares OutstandingSMBC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M
SMBC Yearly Total Debt VS Total AssetsSMBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • The Debt to FCF ratio of SMBC is 0.51, which is an excellent value as it means it would take SMBC, only 0.51 years of fcf income to pay off all of its debts.
  • With an excellent Debt to FCF ratio value of 0.51, SMBC belongs to the best of the industry, outperforming 80.05% of the companies in the same industry.
  • SMBC has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
  • SMBC's Debt to Equity ratio of 0.08 is fine compared to the rest of the industry. SMBC outperforms 73.75% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.51
Altman-Z N/A
ROIC/WACCN/A
WACC8.12%
SMBC Yearly LT Debt VS Equity VS FCFSMBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. SMBC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 26.20% over the past year.
  • SMBC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.62% yearly.
  • SMBC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.99%.
  • The Revenue has been growing by 13.98% on average over the past years. This is quite good.
EPS 1Y (TTM)26.2%
EPS 3Y-0.26%
EPS 5Y11.62%
EPS Q2Q%24.62%
Revenue 1Y (TTM)11.99%
Revenue growth 3Y13.53%
Revenue growth 5Y13.98%
Sales Q2Q%10.3%

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 14.34% yearly.
  • SMBC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 8.00% yearly.
EPS Next Y22.17%
EPS Next 2Y14.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.35%
Revenue Next 2Y8%
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 accelerating.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
SMBC Yearly Revenue VS EstimatesSMBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
SMBC Yearly EPS VS EstimatesSMBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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6

4. SMBC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.67, the valuation of SMBC can be described as reasonable.
  • Based on the Price/Earnings ratio, SMBC is valued a bit cheaper than the industry average as 65.88% of the companies are valued more expensively.
  • SMBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.25.
  • SMBC is valuated reasonably with a Price/Forward Earnings ratio of 9.11.
  • 71.39% of the companies in the same industry are more expensive than SMBC, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 24.39. SMBC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.67
Fwd PE 9.11
SMBC Price Earnings VS Forward Price EarningsSMBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, SMBC is valued a bit cheaper than the industry average as 79.27% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.15
EV/EBITDA N/A
SMBC Per share dataSMBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

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 14.34% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.48
PEG (5Y)0.92
EPS Next 2Y14.34%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. SMBC Dividend Analysis

5.1 Amount

  • SMBC has a Yearly Dividend Yield of 1.60%.
  • Compared to an average industry Dividend Yield of 2.86, SMBC is paying slightly less dividend.
  • SMBC's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.6%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)8.95%
Div Incr Years13
Div Non Decr Years29
SMBC Yearly Dividends per shareSMBC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 16.62% 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.
DP16.62%
EPS Next 2Y14.34%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
SMBC Dividend Payout.SMBC Dividend Payout, showing the Payout Ratio.SMBC Dividend Payout.PayoutRetained Earnings

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SMBC Fundamentals: All Metrics, Ratios and Statistics

SOUTHERN MISSOURI BANCORP

NASDAQ:SMBC (3/10/2026, 8:00:03 PM)

After market: 61.7 0 (0%)

61.7

+0.05 (+0.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)N/A
Inst Owners57.17%
Inst Owner Change1.75%
Ins Owners13.4%
Ins Owner Change0.68%
Market Cap685.49M
Revenue(TTM)192.39M
Net Income(TTM)64.98M
Analysts80
Price Target69.7 (12.97%)
Short Float %1.21%
Short Ratio2.04
Dividend
Industry RankSector Rank
Dividend Yield 1.6%
Yearly Dividend0.92
Dividend Growth(5Y)8.95%
DP16.62%
Div Incr Years13
Div Non Decr Years29
Ex-Date02-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.42%
Min EPS beat(2)-2.15%
Max EPS beat(2)3%
EPS beat(4)3
Avg EPS beat(4)3.66%
Min EPS beat(4)-2.15%
Max EPS beat(4)8.15%
EPS beat(8)5
Avg EPS beat(8)1.32%
EPS beat(12)7
Avg EPS beat(12)-4.74%
EPS beat(16)8
Avg EPS beat(16)-5.27%
Revenue beat(2)0
Avg Revenue beat(2)-2.33%
Min Revenue beat(2)-2.57%
Max Revenue beat(2)-2.08%
Revenue beat(4)1
Avg Revenue beat(4)-1.01%
Min Revenue beat(4)-2.57%
Max Revenue beat(4)0.83%
Revenue beat(8)2
Avg Revenue beat(8)-1.37%
Revenue beat(12)3
Avg Revenue beat(12)-1.46%
Revenue beat(16)4
Avg Revenue beat(16)-1.43%
PT rev (1m)0%
PT rev (3m)8.18%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.38%
EPS NY rev (1m)0%
EPS NY rev (3m)3.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.71%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.34%
Valuation
Industry RankSector Rank
PE 10.67
Fwd PE 9.11
P/S 3.56
P/FCF 8.15
P/OCF 7.7
P/B 1.21
P/tB 1.38
EV/EBITDA N/A
EPS(TTM)5.78
EY9.37%
EPS(NY)6.77
Fwd EY10.98%
FCF(TTM)7.57
FCFY12.27%
OCF(TTM)8.01
OCFY12.98%
SpS17.32
BVpS51.07
TBVpS44.58
PEG (NY)0.48
PEG (5Y)0.92
Graham Number81.49
Profitability
Industry RankSector Rank
ROA 1.28%
ROE 11.45%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 33.78%
GM N/A
FCFM 43.73%
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-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.51
Debt/EBITDA N/A
Cap/Depr 48.66%
Cap/Sales 2.52%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 129.47%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC8.12%
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)26.2%
EPS 3Y-0.26%
EPS 5Y11.62%
EPS Q2Q%24.62%
EPS Next Y22.17%
EPS Next 2Y14.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.99%
Revenue growth 3Y13.53%
Revenue growth 5Y13.98%
Sales Q2Q%10.3%
Revenue Next Year10.35%
Revenue Next 2Y8%
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 1Y46.71%
FCF growth 3Y6.28%
FCF growth 5Y15.9%
OCF growth 1Y37.7%
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 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 5 / 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 16.62%.