SOUTHERN MISSOURI BANCORP (SMBC) Fundamental Analysis & Valuation

NASDAQ:SMBC • US8433801060

Current stock price

67.5 USD
+1.75 (+2.66%)
At close:
67.5 USD
0 (0%)
After Hours:

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

4

1. SMBC Profitability Analysis

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.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

1.2 Ratios

  • The Return On Assets of SMBC (1.28%) is better than 77.98% of its industry peers.
  • SMBC's Return On Equity of 11.45% is fine compared to the rest of the industry. SMBC outperforms 74.54% 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

  • With an excellent Profit Margin value of 33.78%, SMBC belongs to the best of the industry, outperforming 86.74% of the companies in the same industry.
  • 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 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • SMBC has about the same amout of shares outstanding than it did 1 year ago.
  • The number of shares outstanding for SMBC has been increased compared to 5 years ago.
  • SMBC has a worse debt/assets ratio than last year.
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.
  • SMBC has a Debt to FCF ratio of 0.51. This is amongst the best in the industry. SMBC outperforms 80.64% 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.
  • SMBC has a better Debt to Equity ratio (0.08) than 74.27% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.51
Altman-Z N/A
ROIC/WACCN/A
WACC8.28%
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

More info and screens

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.
  • Measured over the past years, SMBC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.62% on average per year.
  • Looking at the last year, SMBC shows a quite strong growth in Revenue. The Revenue has grown by 11.99% in the last year.
  • 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

  • The Earnings Per Share is expected to grow by 14.34% on average over the next years. This is quite good.
  • 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

  • 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 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

More info and screens

Find the best growth stocksShow best growing peers

6

4. SMBC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.68, 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 64.46% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of SMBC to the average of the S&P500 Index (27.87), we can say SMBC is valued rather cheaply.
  • A Price/Forward Earnings ratio of 9.97 indicates a reasonable valuation of SMBC.
  • Based on the Price/Forward Earnings ratio, SMBC is valued a bit cheaper than 67.90% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of SMBC to the average of the S&P500 Index (38.51), we can say SMBC is valued rather cheaply.
Industry RankSector Rank
PE 11.68
Fwd PE 9.97
SMBC Price Earnings VS Forward Price EarningsSMBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, SMBC is valued a bit cheaper than 79.84% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.91
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)0.53
PEG (5Y)1.01
EPS Next 2Y14.34%
EPS Next 3YN/A

More info and screens

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 1.52%.
  • SMBC's Dividend Yield is slightly below the industry average, which is at 2.57.
  • Compared to an average S&P500 Dividend Yield of 1.81, SMBC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.52%

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 Years14
Div Non Decr Years30
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

  • SMBC pays out 16.62% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of SMBC is growing, but earnings are growing more, so the dividend growth is 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

More info and screens

Find the best dividend stocksShow peers with best dividend

SMBC Fundamentals: All Metrics, Ratios and Statistics

SOUTHERN MISSOURI BANCORP

NASDAQ:SMBC (4/17/2026, 8:00:02 PM)

After market: 67.5 0 (0%)

67.5

+1.75 (+2.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)05-04
Inst Owners56.71%
Inst Owner Change0.05%
Ins Owners13.39%
Ins Owner Change0.68%
Market Cap749.92M
Revenue(TTM)192.39M
Net Income(TTM)64.98M
Analysts80
Price Target69.7 (3.26%)
Short Float %1.94%
Short Ratio2.45
Dividend
Industry RankSector Rank
Dividend Yield 1.52%
Yearly Dividend0.92
Dividend Growth(5Y)8.95%
DP16.62%
Div Incr Years14
Div Non Decr Years30
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)7.89%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.95%
EPS NY rev (1m)0%
EPS NY rev (3m)2.97%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.96%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.83%
Valuation
Industry RankSector Rank
PE 11.68
Fwd PE 9.97
P/S 3.9
P/FCF 8.91
P/OCF 8.43
P/B 1.32
P/tB 1.51
EV/EBITDA N/A
EPS(TTM)5.78
EY8.56%
EPS(NY)6.77
Fwd EY10.03%
FCF(TTM)7.57
FCFY11.22%
OCF(TTM)8.01
OCFY11.86%
SpS17.32
BVpS51.07
TBVpS44.58
PEG (NY)0.53
PEG (5Y)1.01
Graham Number81.4944 (20.73%)
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
WACC8.28%
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 Fundamental Analysis 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 7 / 10 to SOUTHERN MISSOURI BANCORP (SMBC). This can be considered as Undervalued.


What is the profitability of SMBC stock?

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 11.68 and the Price/Book (PB) ratio is 1.32.


How financially healthy is SOUTHERN MISSOURI BANCORP?

The financial health rating of SOUTHERN MISSOURI BANCORP (SMBC) is 3 / 10.