60.75 USD
-0.75 (-1.22%)
Overall SMBC gets a fundamental rating of 4 out of 10. We evaluated SMBC against 387 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.
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.
SMBC had positive earnings in each of the past 5 years.
Each year in the past 5 years SMBC had a positive operating cash flow.
1.2 Ratios
The Return On Assets of SMBC (1.22%) is better than 77.26% of its industry peers.
Looking at the Return On Equity, with a value of 10.98%, SMBC is in the better half of the industry, outperforming 73.64% of the companies in the same industry.
| 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
SMBC's Profit Margin of 32.76% is amongst the best of the industry. SMBC outperforms 86.56% 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 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.
Compared to 1 year ago, SMBC has about the same amount of shares outstanding.
Compared to 5 years ago, SMBC has more shares outstanding
SMBC has a worse debt/assets ratio than last year.
2.2 Solvency
SMBC has a debt to FCF ratio of 0.53. This is a very positive value and a sign of high solvency as it would only need 0.53 years to pay back of all of its debts.
The Debt to FCF ratio of SMBC (0.53) is better than 79.33% of its industry peers.
SMBC has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.08, SMBC is in the better half of the industry, outperforming 73.13% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.53 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.13%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 25.52% over the past year.
The Earnings Per Share has been growing by 11.62% on average over the past years. This is quite good.
Looking at the last year, SMBC shows a decrease in Revenue. The Revenue has decreased by -9.80% in the last 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
The Earnings Per Share is expected to grow by 13.74% on average over the next years. This is quite good.
The Revenue is expected to grow by 7.92% on average over the next years.
EPS Next Y18.32%
EPS Next 2Y13.74%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.85%
Revenue Next 2Y7.92%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.13, 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 68.22% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.76, SMBC is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.07, the valuation of SMBC can be described as reasonable.
75.97% of the companies in the same industry are more expensive than SMBC, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of SMBC to the average of the S&P500 Index (23.96), we can say SMBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.13 | ||
| Fwd PE | 9.07 |
4.2 Price Multiples
79.07% of the companies in the same industry are more expensive than SMBC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.28 | ||
| EV/EBITDA | N/A |
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 13.74% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.61
PEG (5Y)0.96
EPS Next 2Y13.74%
EPS Next 3YN/A
5. Dividend
5.1 Amount
SMBC has a Yearly Dividend Yield of 1.71%.
Compared to an average industry Dividend Yield of 3.11, SMBC is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.31, SMBC is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.71% |
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 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
5.3 Sustainability
17.24% 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 earnings are growing more, so the dividend growth is sustainable.
DP17.24%
EPS Next 2Y13.74%
EPS Next 3YN/A
NASDAQ:SMBC (12/12/2025, 1:25:53 PM)
60.75
-0.75 (-1.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners54.69%
Inst Owner Change-0.51%
Ins Owners13.19%
Ins Owner Change0%
Market Cap680.40M
Revenue(TTM)187.75M
Net Income(TTM)61.50M
Analysts80
Price Target64.43 (6.06%)
Short Float %0.88%
Short Ratio1.34
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.71% |
Yearly Dividend0.92
Dividend Growth(5Y)8.95%
DP17.24%
Div Incr Years13
Div Non Decr Years29
Ex-Date
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)1.07%
PT rev (3m)-5.72%
EPS NQ rev (1m)1.85%
EPS NQ rev (3m)7.54%
EPS NY rev (1m)1.51%
EPS NY rev (3m)5.42%
Revenue NQ rev (1m)0.8%
Revenue NQ rev (3m)3.61%
Revenue NY rev (1m)0.57%
Revenue NY rev (3m)2.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.13 | ||
| Fwd PE | 9.07 | ||
| P/S | 3.62 | ||
| P/FCF | 8.28 | ||
| P/OCF | 7.74 | ||
| P/B | 1.21 | ||
| P/tB | 1.4 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.46
EY8.99%
EPS(NY)6.7
Fwd EY11.03%
FCF(TTM)7.33
FCFY12.07%
OCF(TTM)7.85
OCFY12.91%
SpS16.76
BVpS50.02
TBVpS43.51
PEG (NY)0.61
PEG (5Y)0.96
Graham Number78.39
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC8.13%
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)25.52%
EPS 3Y-0.26%
EPS 5Y11.62%
EPS Q2Q%25.45%
EPS Next Y18.32%
EPS Next 2Y13.74%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-9.8%
Revenue growth 3Y13.53%
Revenue growth 5Y13.98%
Sales Q2Q%11.76%
Revenue Next Year11.85%
Revenue Next 2Y7.92%
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 4 / 10 to SMBC.
Can you provide the valuation status for SOUTHERN MISSOURI BANCORP?
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.
Can you provide the PE and PB ratios for SMBC stock?
The Price/Earnings (PE) ratio for SOUTHERN MISSOURI BANCORP (SMBC) is 11.13 and the Price/Book (PB) ratio is 1.21.
Can you provide the financial health for SMBC stock?
The financial health rating of SOUTHERN MISSOURI BANCORP (SMBC) is 3 / 10.