55.54 USD
+1.39 (+2.58%)
55.54 USD
0 (0%)
Overall SMBC gets a fundamental rating of 5 out of 10. We evaluated SMBC against 387 industry peers in the Banks industry. There are concerns on the financial health of SMBC while its profitability can be described as average. A decent growth rate in combination with a cheap valuation! Better keep an eye on SMBC.
1. Profitability
1.1 Basic Checks
In the past year SMBC was profitable.
SMBC had a positive operating cash flow in the past year.
In the past 5 years SMBC has always been profitable.
SMBC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 1.22%, SMBC is doing good in the industry, outperforming 77.52% of the companies in the same industry.
SMBC has a Return On Equity of 10.98%. This is in the better half of the industry: SMBC outperforms 73.90% of its industry peers.
| 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 has a better Profit Margin (32.76%) than 87.34% 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.
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.
Compared to 1 year ago, SMBC has a worse debt to assets ratio.
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.
SMBC's Debt to FCF ratio of 0.53 is amongst the best of the industry. SMBC outperforms 80.62% 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 74.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.53 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.02%
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.
SMBC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.62% yearly.
The Revenue has decreased by -9.80% in the past 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
Based on estimates for the next years, SMBC will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.74% on average per year.
The Revenue is expected to grow by 7.92% on average over the next years.
EPS Next Y16.56%
EPS Next 2Y13.74%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.22%
Revenue Next 2Y7.92%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same 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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.17 indicates a reasonable valuation of SMBC.
70.80% of the companies in the same industry are more expensive than SMBC, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 25.47, SMBC is valued rather cheaply.
SMBC is valuated reasonably with a Price/Forward Earnings ratio of 8.29.
SMBC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. SMBC is cheaper than 79.33% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.42. SMBC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.17 | ||
| Fwd PE | 8.29 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SMBC is valued cheaper than 80.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.63 | ||
| EV/EBITDA | N/A |
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 13.74% in the coming years.
PEG (NY)0.61
PEG (5Y)0.88
EPS Next 2Y13.74%
EPS Next 3YN/A
5. Dividend
5.1 Amount
SMBC has a Yearly Dividend Yield of 1.85%.
SMBC's Dividend Yield is slightly below the industry average, which is at 3.33.
SMBC's Dividend Yield is slightly below the S&P500 average, which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.85% |
5.2 History
On average, the dividend of SMBC grows each year by 8.95%, which is quite nice.
SMBC has been paying a dividend for at least 10 years, so it has 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
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
55.54
+1.39 (+2.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners54.58%
Inst Owner Change-0.51%
Ins Owners15.56%
Ins Owner Change0%
Market Cap627.05M
Revenue(TTM)187.75M
Net Income(TTM)61.50M
Analysts80
Price Target64.43 (16.01%)
Short Float %0.67%
Short Ratio1.01
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.85% |
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)-5.72%
PT rev (3m)-6.42%
EPS NQ rev (1m)5.67%
EPS NQ rev (3m)7.18%
EPS NY rev (1m)1.81%
EPS NY rev (3m)3.85%
Revenue NQ rev (1m)0.8%
Revenue NQ rev (3m)3.61%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.17 | ||
| Fwd PE | 8.29 | ||
| P/S | 3.34 | ||
| P/FCF | 7.63 | ||
| P/OCF | 7.14 | ||
| P/B | 1.12 | ||
| P/tB | 1.29 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.46
EY9.83%
EPS(NY)6.7
Fwd EY12.07%
FCF(TTM)7.27
FCFY13.1%
OCF(TTM)7.78
OCFY14.01%
SpS16.63
BVpS49.62
TBVpS43.17
PEG (NY)0.61
PEG (5Y)0.88
Graham Number78.08
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
WACC8.02%
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 Y16.56%
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 Year11.22%
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 5 / 10 to SMBC.
Can you provide the valuation status for SOUTHERN MISSOURI BANCORP?
ChartMill assigns a valuation rating of 7 / 10 to SOUTHERN MISSOURI BANCORP (SMBC). This can be considered as Undervalued.
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 10.17 and the Price/Book (PB) ratio is 1.12.
Can you provide the financial health for SMBC stock?
The financial health rating of SOUTHERN MISSOURI BANCORP (SMBC) is 3 / 10.