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Relative valuation derived from Financials sector median benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Multiples adjusted for extreme outliers and non-recurring volatility.
Auditing capital efficiency...
Quality Profile Audit
Score: 41.5GRADE C
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation.
Return on Equity
Profit generated per dollar of shareholder equity
10.9%
Sector: 8.5%
Dividend Analysis audit
GROWTH
1.79%
Trailing Yield
$1.79
Per $100 Invested
Modest dividend — capital prioritized for reinvestment.
Est. Payout Ratio
21%SAFE
Analyst Projections
Analyst Consensus
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Based on our 6-factor quantitative model, SOUTHERN MISSOURI BANCORP, INC. (SMBC) receives a "Hold" rating with a composite score of 47.2/100, ranked #733 out of 4446 stocks. Key factor scores: Quality 42/100, Value 52/100, Momentum 55/100. This is quantitative analysis only — not investment advice.
SOUTHERN MISSOURI BANCORP, INC. (SMBC) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does SOUTHERN MISSOURI BANCORP, INC. Do?
Southern Missouri Bancorp, Inc. operates as the bank holding company for Southern Bank that provides banking and financial services to individuals and corporate customers in the United States. The company offers business banking, business financing, and business services. It also provides personal banking services, which include online and mobile banking, checking and savings, mortgage and refinance, and loans and credit services. In addition, the company offers investing and insurance services. Further, it provides accounts and digital banking services; and debit or credit cards. As of June 30, 2021, the company operated 46 full-service branch offices, and two limited-service branch offices located in Poplar Bluff, Van Buren, Dexter, Kennett, Doniphan, Sikeston, Qulin, Matthews, Springfield, Thayer, West Plains, Alton, Clever, Forsyth, Fremont Hills, Kimberling City, Ozark, Nixa, Rogersville, Marshfield, Cape Girardeau, Jackson, Gideon, Chaffee, Benton, Advance, Bloomfield, Essex, and Rolla, Missouri; Jonesboro, Paragould, Batesville, Searcy, Bald Knob, Bradford, and Cabot, Arkansas; and Anna, Cairo, and Tamms, Illinois. Southern Missouri Bancorp, Inc. was founded in 1887 and is headquartered in Poplar Bluff, Missouri. SOUTHERN MISSOURI BANCORP, INC. (SMBC) is classified as a small-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Greg A. Steffens and employs approximately 540 people, headquartered in POPLAR BLUFF, Missouri. With a market capitalization of $714M, SMBC is one of the notable companies in the Financials sector.
SOUTHERN MISSOURI BANCORP, INC. (SMBC) Stock Rating — Hold (April 2026)
As of April 2026, SOUTHERN MISSOURI BANCORP, INC. receives a Hold rating with a composite score of 47.2/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.SMBC ranks #733 out of 4,446 stocks in our coverage universe. Within the Financials sector, SOUTHERN MISSOURI BANCORP, INC. ranks #218 of 891 stocks, placing it in the top quartile of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
SMBC Stock Price and 52-Week Range
SOUTHERN MISSOURI BANCORP, INC. (SMBC) currently trades at $66.80. The stock lost $0.41 (0.6%) in the most recent trading session. The 52-week high for SMBC is $66.56, which means the stock is currently trading 0.4% from its annual peak. The 52-week low is $45.10, putting the stock 48.1% above its annual trough. Recent trading volume was 147K shares, suggesting relatively thin trading activity.
Is SMBC Overvalued or Undervalued? — Valuation Analysis
SOUTHERN MISSOURI BANCORP, INC. (SMBC) carries a value factor score of 52/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 11.83x, compared to the Financials sector average of 14.88x — a discount of 20%. The price-to-book ratio stands at 1.29x, versus the sector average of 1.22x. The price-to-sales ratio is 2.59x, compared to 0.90x for the average Financials stock. On an enterprise value basis, SMBC trades at 9.42x EV/EBITDA, versus 3.26x for the sector.
Overall, SMBC's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.
SOUTHERN MISSOURI BANCORP, INC. Profitability — ROE, Margins, and Quality Score
SOUTHERN MISSOURI BANCORP, INC. (SMBC) earns a quality factor score of 42/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 10.9%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 1.2% versus the sector average of 1.2%.
The operating margin is 27.5% (sector: 21.8%). Net profit margin stands at 21.9%, versus 17.7% for the average Financials stock. Revenue growth is running at 12.8% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.
SMBC Debt, Balance Sheet, and Financial Health
SOUTHERN MISSOURI BANCORP, INC. has a debt-to-equity ratio of 798.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.13x, suggesting adequate working capital coverage.
SMBC has a beta of 0.74, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for SOUTHERN MISSOURI BANCORP, INC. is 83/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.
SOUTHERN MISSOURI BANCORP, INC. Revenue and Earnings History — Quarterly Trend
In TTM 2026, SOUTHERN MISSOURI BANCORP, INC. reported revenue of $283M and earnings per share (EPS) of $1.62. Net income for the quarter was $62M. Operating income came in at $78M.
In Q2 2026, SOUTHERN MISSOURI BANCORP, INC. reported revenue of $72M and earnings per share (EPS) of $1.62. Net income for the quarter was $18M. Operating income came in at $23M.
In Q1 2026, SOUTHERN MISSOURI BANCORP, INC. reported revenue of $73M and earnings per share (EPS) of $1.39. Net income for the quarter was $16M. Revenue grew 8.4% year-over-year compared to Q1 2025. Operating income came in at $19M.
In FY 2025, SOUTHERN MISSOURI BANCORP, INC. reported revenue of $277M and earnings per share (EPS) of $5.19. Net income for the quarter was $59M. Revenue grew 11.7% year-over-year compared to FY 2024. Operating income came in at $74M.
Over the past 8 quarters, SOUTHERN MISSOURI BANCORP, INC. has demonstrated a growth trajectory, with revenue expanding from $64M to $283M. Investors analyzing SMBC stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
SMBC Dividend Yield and Income Analysis
SOUTHERN MISSOURI BANCORP, INC. (SMBC) currently pays a dividend yield of 1.8%. At this yield, a $10,000 investment in SMBC stock would generate approximately $$179.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning SMBC yields less than the typical sector peer. With a net margin of 21.9%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.
SMBC Momentum and Technical Analysis Profile
SOUTHERN MISSOURI BANCORP, INC. (SMBC) has a momentum factor score of 55/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 28/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 22/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.
SMBC vs Competitors — Financials Sector Ranking and Peer Comparison
Comparing SMBC against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full SMBC vs S&P 500 (SPY) comparison to assess how SOUTHERN MISSOURI BANCORP, INC. stacks up against the broader market across all factor dimensions.
SMBC Next Earnings Date
No upcoming earnings date has been announced for SOUTHERN MISSOURI BANCORP, INC. (SMBC) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy SMBC? — Investment Thesis Summary
SOUTHERN MISSOURI BANCORP, INC. presents a balanced picture with arguments on both sides. Low volatility (stability score 83/100) reduces downside risk.
In summary, SOUTHERN MISSOURI BANCORP, INC. (SMBC) earns a Hold rating with a composite score of 47.2/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on SMBC stock.
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Institutional Research Dossier
SOUTHERN MISSOURI BANCORP, INC. (SMBC) Deep Dive Analysis
Published on March 24, 2026
Action RatingHold
Sections
Executive Summary
Southern Missouri Bancorp (SMBC) receives a Hold rating, primarily due to its premium valuation relative to peers, despite exhibiting solid profitability and growth metrics. While the bank demonstrates strong operational efficiency and a history of revenue expansion, its high P/E ratio and elevated debt-to-equity ratio raise concerns about potential overvaluation and financial risk, limiting upside potential in the near term.
The bank's strategic focus on community banking in Southern Missouri, Arkansas, and Illinois provides a stable customer base, but its growth prospects may be constrained by the limited geographic footprint and increasing competition from larger regional and national banks. Investors should closely monitor SMBC's ability to sustain its growth trajectory and manage its debt levels effectively to justify its current valuation.
Business Strategy & Overview
Southern Missouri Bancorp operates as a community bank, focusing on providing traditional banking services to individuals and businesses in Southern Missouri, Arkansas, and Illinois. The bank's core strategy revolves around building strong customer relationships and offering a range of financial products, including business banking, personal banking, and investment services. This localized approach allows SMBC to cater to the specific needs of its communities and foster customer loyalty.
SMBC's business model emphasizes organic growth through branch expansion and strategic acquisitions. The company has steadily increased its presence in its target markets by opening new branches and acquiring smaller community banks. This expansion strategy enables SMBC to broaden its customer base and increase its market share. As of June 30, 2021, the company operated 46 full-service branch offices and two limited-service branch offices.
The bank's revenue streams are primarily derived from net interest income, which is the difference between the interest earned on loans and the interest paid on deposits. SMBC also generates revenue from fees associated with its various banking services, such as account maintenance, transaction processing, and investment management. The company's ability to effectively manage its interest rate spread and generate fee income is crucial to its overall profitability.
SMBC faces competition from other community banks, regional banks, and national banks operating in its target markets. The banking industry is highly competitive, and SMBC must differentiate itself by providing superior customer service, competitive interest rates, and innovative financial products. The company's success depends on its ability to attract and retain customers in a competitive environment.
The bank's digital banking services, including online and mobile banking, are becoming increasingly important as customers demand convenient and accessible banking solutions. SMBC has invested in its digital infrastructure to enhance its online and mobile banking platforms, allowing customers to manage their accounts, make transactions, and access financial information remotely. The company's digital capabilities are essential for attracting and retaining tech-savvy customers.
Execution Benchmarks audit
Revenue Growth
YOY expansion rate
12.8%
Sector: 9.4%
+37% VS SCTR
Economic Moat Analysis
Southern Missouri Bancorp's economic moat can be classified as Narrow. The bank's competitive advantage stems primarily from its established presence and customer relationships within its local markets. Community banks often benefit from strong ties to their communities, fostering customer loyalty and reducing customer attrition. This localized focus allows SMBC to build a reputation for personalized service and responsiveness to the needs of its customers.
However, the bank's moat is not particularly wide due to the relatively low switching costs in the banking industry. Customers can easily switch banks if they find better interest rates, lower fees, or more convenient services elsewhere. The increasing prevalence of online and mobile banking has further reduced switching costs, as customers can now manage their accounts and make transactions from anywhere in the world.
SMBC's intangible assets, such as its brand reputation and customer relationships, contribute to its narrow moat. The bank has built a solid reputation for reliability and trustworthiness in its local markets, which helps it attract and retain customers. However, these intangible assets are not unique or difficult to replicate, and other banks can build similar reputations over time.
The bank does not possess significant cost advantages or efficient scale that would create a wider moat. SMBC's operating expenses are comparable to those of other community banks, and it does not have any unique cost-saving technologies or processes. The bank's scale is also relatively small compared to larger regional and national banks, which limits its ability to achieve economies of scale.
Network effects are not a significant factor in SMBC's business model. While the bank benefits from word-of-mouth referrals and community connections, these effects are not strong enough to create a significant competitive advantage. The value of SMBC's services to its customers does not increase significantly as more customers join the bank.
In conclusion, Southern Missouri Bancorp has a narrow economic moat based on its established presence and customer relationships in its local markets. However, the bank's moat is not particularly wide due to the low switching costs in the banking industry, the lack of unique intangible assets, and the absence of significant cost advantages or network effects.
Financial Health & Profitability
Southern Missouri Bancorp's financial health exhibits a mixed profile. The company has demonstrated consistent revenue growth over the past several years, with revenue increasing from $176.42 million in FY2023 to $277.37 million in FY2025, and $72.23M in the most recent quarter. This growth indicates a healthy demand for the bank's services and effective execution of its expansion strategy. However, the growth rate appears to be slowing down in the most recent quarter.
The company's profitability metrics are generally strong. The operating margin has consistently remained above 23% in recent quarters, indicating efficient cost management. The net margin of 21.9% is also higher than the sector average of 17.8%, suggesting that SMBC is more profitable than its peers. The ROE of 10.9% is also above the sector average of 8.5%, indicating that the company is effectively utilizing its equity to generate profits.
However, the company's balance sheet leverage is a concern. The debt-to-equity ratio of 798.00 is significantly higher than the sector average of 115.00, indicating that SMBC relies heavily on debt financing. This high level of leverage increases the company's financial risk and could make it more vulnerable to economic downturns or interest rate increases. The absence of available data on total cash and free cash flow limits a full assessment of the company's liquidity position.
Analyzing the quarterly financial history reveals some trends. The company's net income has fluctuated over the past several quarters, with a significant increase in FY2025 compared to FY2023 and FY2024. The operating margin has also varied, indicating that the company's profitability is not always consistent. The absence of gross margin data makes it difficult to assess the company's cost of goods sold and its ability to maintain its profitability over time.
The current ratio of 1.13 indicates that the company has sufficient current assets to cover its current liabilities. However, this ratio is not particularly high, and the company should strive to maintain a healthy level of liquidity to meet its short-term obligations.
In summary, Southern Missouri Bancorp's financial health is characterized by strong revenue growth and profitability, but also by high balance sheet leverage. The company should focus on managing its debt levels and maintaining a healthy level of liquidity to ensure its long-term financial stability.
Valuation Assessment
Southern Missouri Bancorp's valuation appears stretched compared to its peers in the financial sector. The company's P/E ratio of 38.1x is significantly higher than the sector average of 15.5x, suggesting that investors are paying a premium for its earnings. This premium could be justified if SMBC were growing at a much faster rate than its peers, but its revenue growth of 12.8% is only slightly higher than the sector average of 9.3%.
The EV/EBITDA ratio of 7.6x is also higher than the sector average of 3.5x, indicating that SMBC is more expensive on an enterprise value basis. This higher valuation could be due to the company's strong operating margin of 27.5%, which is higher than the sector average of 22.0%. However, the higher valuation may not be sustainable if the company's operating margin declines in the future.
The absence of free cash flow data makes it difficult to assess the company's valuation using a discounted cash flow analysis. However, based on the available data, it appears that SMBC is trading at a premium to its intrinsic value. The company's high P/E ratio and EV/EBITDA ratio suggest that investors are expecting strong future growth, which may not materialize.
The company's valuation is also influenced by its strong profitability metrics, such as its ROE of 10.9% and its net margin of 21.9%. These metrics indicate that SMBC is a well-managed and profitable bank, which could justify a higher valuation. However, investors should be cautious about paying too much for these metrics, as they could decline in the future due to increased competition or economic downturns.
The BCR proprietary quant model assigns a Value score of 54/100 to SMBC, indicating that the stock is fairly valued based on its multiples. However, the model also assigns a Composite Score of 47.5/100 and a Rank of #510 out of 4446, suggesting that the stock is not particularly attractive compared to other companies in the market.
In conclusion, Southern Missouri Bancorp's valuation appears stretched compared to its peers in the financial sector. The company's high P/E ratio and EV/EBITDA ratio suggest that investors are paying a premium for its earnings and enterprise value. While the company's strong profitability metrics could justify a higher valuation, investors should be cautious about paying too much for these metrics, as they could decline in the future.
Risk & Uncertainty
Southern Missouri Bancorp faces several risks and uncertainties that could impact its financial performance and valuation. One of the primary risks is interest rate risk. As a bank, SMBC's profitability is sensitive to changes in interest rates. If interest rates rise, the bank's cost of funds could increase, while its loan yields may not increase as quickly, leading to a decline in net interest income. Conversely, if interest rates fall, the bank's loan yields could decrease, while its cost of funds may not decrease as quickly, also leading to a decline in net interest income.
Another risk is credit risk. SMBC's loan portfolio is subject to the risk of borrowers defaulting on their loans. Economic downturns or industry-specific challenges could lead to an increase in loan defaults, which would negatively impact the bank's earnings and capital. The bank must carefully manage its credit risk by diversifying its loan portfolio and implementing sound underwriting standards.
Competition is also a significant risk for SMBC. The banking industry is highly competitive, and SMBC faces competition from other community banks, regional banks, and national banks operating in its target markets. Increased competition could lead to lower interest rates, higher deposit rates, and increased marketing expenses, which would negatively impact the bank's profitability.
Regulatory risk is another concern. The banking industry is heavily regulated, and SMBC is subject to numerous laws and regulations at the federal and state levels. Changes in these laws and regulations could increase the bank's compliance costs and limit its ability to generate profits. The bank must stay abreast of regulatory developments and ensure that it is in compliance with all applicable laws and regulations.
The company's high debt-to-equity ratio also poses a risk. As mentioned earlier, SMBC relies heavily on debt financing, which increases its financial risk. If the company's earnings decline, it may have difficulty servicing its debt obligations, which could lead to financial distress.
Bulls Say / Bears Say
The Bull Case
BULL VIEWSouthern Missouri Bancorp's consistent revenue growth and strong profitability metrics, including a high operating margin and ROE, justify its premium valuation compared to peers.
BULL VIEWThe bank's focus on community banking in underserved markets provides a stable customer base and opportunities for organic growth through branch expansion and strategic acquisitions.
The Bear Case
BEAR VIEWSouthern Missouri Bancorp's significantly elevated P/E ratio relative to the sector average suggests overvaluation, making it vulnerable to a correction if growth slows or market sentiment shifts.
BEAR VIEWThe bank's high debt-to-equity ratio exposes it to increased financial risk, particularly in a rising interest rate environment, potentially hindering its ability to maintain profitability and growth.
About the Author
Marques Blank
Founder & Chief Investment Officer, Blank Capital
Marques brings 15 years of institutional finance and investing experience, having overseen financial planning for a $1.6B defense business unit. He developed the proprietary 6-factor quantitative model used to score SMBC and 4,400+ other equities.
SOUTHERN MISSOURI BANCORP, INC. exhibits a 90% valuation premium relative to institutional benchmarks. This represents a potential valuation overextension based on current multiples.
Return on Assets
Efficiency of asset utilization
1.2%
Sector: 1.2%
Gross Margin
Pricing power and cost efficiency
—
Sector: 0.0%
Operating Margin
Core business profitability
27.5%
Sector: 21.8%
Net Margin
Bottom-line profitability
21.9%
Sector: 17.7%
Factor Methodology
The Quality factor evaluates the persistence and magnitude of cash flows. Companies with scores >70 exhibit superior competitive moats and financial resilience through economic cycles.
Sector Avg Yield2.48%
Yield Delta-28%
Income Projection audit
A $10,000 investment would generate approximately $179 annually in dividends at the current trailing rate.
