SOUTHERN MISSOURI BANCORP (SMBC) Stock Fundamental Analysis

NASDAQ:SMBC • US8433801060

64.56 USD
-0.19 (-0.29%)
At close: Feb 13, 2026
64.56 USD
0 (0%)
After Hours: 2/13/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, SMBC scores 5 out of 10 in our fundamental rating. SMBC was compared to 381 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.


Dividend Valuation Growth Profitability Health

4

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.
  • In the past 5 years SMBC always reported a positive cash flow from operatings.
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

  • Looking at the Return On Assets, with a value of 1.22%, SMBC is in the better half of the industry, outperforming 76.64% of the companies in the same industry.
  • SMBC's Return On Equity of 10.98% is fine compared to the rest of the industry. SMBC outperforms 73.49% of its industry peers.
Industry RankSector 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
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

  • The Profit Margin of SMBC (32.76%) is better than 85.30% of its industry peers.
  • SMBC's Profit Margin has improved in the last couple of years.
  • 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) 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
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • The number of shares outstanding for SMBC has been increased compared to 5 years ago.
  • Compared to 1 year ago, SMBC has a worse debt to assets ratio.
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 0.53, 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 79.53% 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.
  • The Debt to Equity ratio of SMBC (0.08) is better than 73.49% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.53
Altman-Z N/A
ROIC/WACCN/A
WACC8.08%
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. Growth

3.1 Past

  • SMBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.20%, 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 grown by 11.12% in the past year. This is quite good.
  • 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)11.12%
Revenue growth 3Y13.53%
Revenue growth 5Y13.98%
Sales Q2Q%10.3%

3.2 Future

  • Based on estimates for the next years, SMBC will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.34% on average per year.
  • The Revenue is expected to grow by 8.00% on average over the next years.
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

  • The EPS growth rate is accelerating: in the next years the growth will be better 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.
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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • SMBC is valuated reasonably with a Price/Earnings ratio of 11.17.
  • Based on the Price/Earnings ratio, SMBC is valued a bit cheaper than 71.13% of the companies in the same industry.
  • SMBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.68.
  • The Price/Forward Earnings ratio is 9.53, which indicates a very decent valuation of SMBC.
  • Based on the Price/Forward Earnings ratio, SMBC is valued a bit cheaper than the industry average as 75.59% 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 28.06.
Industry RankSector Rank
PE 11.17
Fwd PE 9.53
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 79.53% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.73
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

  • SMBC's 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)0.5
PEG (5Y)0.96
EPS Next 2Y14.34%
EPS Next 3YN/A

More info and screens

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

6

5. Dividend

5.1 Amount

  • SMBC has a Yearly Dividend Yield of 1.54%.
  • Compared to an average industry Dividend Yield of 2.78, SMBC is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.84, SMBC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.54%

5.2 History

  • On average, the dividend of SMBC grows each year by 8.95%, which is quite nice.
  • 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
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

  • 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 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

More info and screens

Find the best dividend stocksShow peers with best dividend

SOUTHERN MISSOURI BANCORP

NASDAQ:SMBC (2/13/2026, 8:00:02 PM)

After market: 64.56 0 (0%)

64.56

-0.19 (-0.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)N/A
Inst Owners54.8%
Inst Owner Change7.33%
Ins Owners13.19%
Ins Owner Change0%
Market Cap717.26M
Revenue(TTM)182.60M
Net Income(TTM)61.50M
Analysts80
Price Target69.7 (7.96%)
Short Float %1.2%
Short Ratio2.3
Dividend
Industry RankSector Rank
Dividend Yield 1.54%
Yearly Dividend0.92
Dividend Growth(5Y)8.95%
DP17.24%
Div Incr Years13
Div Non Decr Years29
Ex-Date02-13
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)7.89%
PT rev (3m)9.33%
EPS NQ rev (1m)2.44%
EPS NQ rev (3m)4.52%
EPS NY rev (1m)2.97%
EPS NY rev (3m)4.81%
Revenue NQ rev (1m)-0.71%
Revenue NQ rev (3m)0.07%
Revenue NY rev (1m)-0.83%
Revenue NY rev (3m)-0.78%
Valuation
Industry RankSector Rank
PE 11.17
Fwd PE 9.53
P/S 3.82
P/FCF 8.73
P/OCF 8.16
P/B 1.28
P/tB 1.47
EV/EBITDA N/A
EPS(TTM)5.78
EY8.95%
EPS(NY)6.77
Fwd EY10.49%
FCF(TTM)7.39
FCFY11.45%
OCF(TTM)7.91
OCFY12.25%
SpS16.9
BVpS50.42
TBVpS43.87
PEG (NY)0.5
PEG (5Y)0.96
Graham Number80.98
Profitability
Industry RankSector 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 RankSector 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
WACC8.08%
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)11.12%
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 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 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%.