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SOUTHERN MISSOURI BANCORP (SMBC) Stock Fundamental Analysis

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

55.25  -0.12 (-0.22%)

Fundamental Rating

4

SMBC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 395 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

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4

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.
In the past 5 years SMBC has always been profitable.
Each year in the past 5 years SMBC had a positive operating cash flow.
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

SMBC's Return On Assets of 1.05% is fine compared to the rest of the industry. SMBC outperforms 70.63% of its industry peers.
SMBC has a Return On Equity of 10.09%. This is in the better half of the industry: SMBC outperforms 67.34% of its industry peers.
Industry RankSector Rank
ROA 1.05%
ROE 10.09%
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

Looking at the Profit Margin, with a value of 30.09%, SMBC belongs to the top of the industry, outperforming 82.78% of the companies in the same industry.
In the last couple of years the Profit Margin of SMBC has declined.
The Operating Margin and Gross Margin are not available for SMBC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 30.09%
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.
The number of shares outstanding for SMBC remains at a similar level compared to 1 year ago.
Compared to 5 years ago, SMBC has more shares outstanding
The debt/assets ratio for SMBC has been reduced compared to a year ago.
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

SMBC has a debt to FCF ratio of 0.64. This is a very positive value and a sign of high solvency as it would only need 0.64 years to pay back of all of its debts.
SMBC has a Debt to FCF ratio of 0.64. This is in the better half of the industry: SMBC outperforms 79.75% of its industry peers.
SMBC has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.07, SMBC is in the better half of the industry, outperforming 76.96% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.64
Altman-Z N/A
ROIC/WACCN/A
WACC8.22%
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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5

3. Growth

3.1 Past

SMBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.34%, which is quite good.
Measured over the past 5 years, SMBC shows a small growth in Earnings Per Share. The EPS has been growing by 7.08% on average per year.
Looking at the last year, SMBC shows a very negative growth in Revenue. The Revenue has decreased by -14.44% in the last year.
The Revenue has been growing by 13.85% on average over the past years. This is quite good.
EPS 1Y (TTM)11.34%
EPS 3Y-5.33%
EPS 5Y7.08%
EPS Q2Q%39.41%
Revenue 1Y (TTM)-14.44%
Revenue growth 3Y13.4%
Revenue growth 5Y13.85%
Sales Q2Q%15.09%

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 13.17% yearly.
The Revenue is expected to grow by 9.12% on average over the next years. This is quite good.
EPS Next Y14.69%
EPS Next 2Y13.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.94%
Revenue Next 2Y9.12%
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.
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.
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
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 12.50, which indicates a correct valuation of SMBC.
Compared to the rest of the industry, the Price/Earnings ratio of SMBC is on the same level as its industry peers.
When comparing the Price/Earnings ratio of SMBC to the average of the S&P500 Index (24.85), we can say SMBC is valued slightly cheaper.
A Price/Forward Earnings ratio of 9.76 indicates a reasonable valuation of SMBC.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SMBC is on the same level as its industry peers.
SMBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.89.
Industry RankSector Rank
PE 12.5
Fwd PE 9.76
SMBC Price Earnings VS Forward Price EarningsSMBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, SMBC is valued a bit cheaper than the industry average as 62.78% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.48
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

The 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 13.17% in the coming years.
PEG (NY)0.85
PEG (5Y)1.77
EPS Next 2Y13.17%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

SMBC has a Yearly Dividend Yield of 1.73%.
Compared to an average industry Dividend Yield of 3.42, SMBC is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.40, SMBC is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.73%

5.2 History

The dividend of SMBC is nicely growing with an annual growth rate of 10.16%!
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

SMBC pays out 19.26% 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.
DP19.26%
EPS Next 2Y13.17%
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 (5/15/2025, 4:30:02 PM)

55.25

-0.12 (-0.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-28 2025-04-28/amc
Earnings (Next)07-29 2025-07-29/amc
Inst Owners52.97%
Inst Owner Change-1.03%
Ins Owners15.25%
Ins Owner Change-0.06%
Market Cap624.33M
Analysts82.22
Price Target63.58 (15.08%)
Short Float %1.02%
Short Ratio3.68
Dividend
Industry RankSector Rank
Dividend Yield 1.73%
Yearly Dividend0.84
Dividend Growth(5Y)10.16%
DP19.26%
Div Incr Years13
Div Non Decr Years29
Ex-Date05-15 2025-05-15 (0.23)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.57%
Min EPS beat(2)-2.55%
Max EPS beat(2)1.42%
EPS beat(4)2
Avg EPS beat(4)-1.01%
Min EPS beat(4)-6.99%
Max EPS beat(4)4.07%
EPS beat(8)4
Avg EPS beat(8)-8.94%
EPS beat(12)5
Avg EPS beat(12)-8.24%
EPS beat(16)9
Avg EPS beat(16)-0.56%
Revenue beat(2)1
Avg Revenue beat(2)0.16%
Min Revenue beat(2)-0.38%
Max Revenue beat(2)0.7%
Revenue beat(4)1
Avg Revenue beat(4)-1.74%
Min Revenue beat(4)-6.14%
Max Revenue beat(4)0.7%
Revenue beat(8)2
Avg Revenue beat(8)-1.69%
Revenue beat(12)3
Avg Revenue beat(12)-1.56%
Revenue beat(16)7
Avg Revenue beat(16)0.09%
PT rev (1m)-10.1%
PT rev (3m)-13.43%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)2.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.02%
Revenue NY rev (3m)1.02%
Valuation
Industry RankSector Rank
PE 12.5
Fwd PE 9.76
P/S 3.63
P/FCF 10.48
P/OCF 9.02
P/B 1.22
P/tB 1.43
EV/EBITDA N/A
EPS(TTM)4.42
EY8%
EPS(NY)5.66
Fwd EY10.25%
FCF(TTM)5.27
FCFY9.55%
OCF(TTM)6.13
OCFY11.09%
SpS15.2
BVpS45.34
TBVpS38.67
PEG (NY)0.85
PEG (5Y)1.77
Profitability
Industry RankSector Rank
ROA 1.05%
ROE 10.09%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.09%
GM N/A
FCFM 34.69%
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 0.64
Debt/EBITDA N/A
Cap/Depr 95.1%
Cap/Sales 5.62%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 115.27%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.22%
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)11.34%
EPS 3Y-5.33%
EPS 5Y7.08%
EPS Q2Q%39.41%
EPS Next Y14.69%
EPS Next 2Y13.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-14.44%
Revenue growth 3Y13.4%
Revenue growth 5Y13.85%
Sales Q2Q%15.09%
Revenue Next Year10.94%
Revenue Next 2Y9.12%
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 1Y-6.64%
FCF growth 3Y7.78%
FCF growth 5Y14.65%
OCF growth 1Y4.38%
OCF growth 3Y10.73%
OCF growth 5Y12.73%