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Company Analysis

Southern Missouri Bancorp, Inc. SMBC

A comprehensive view of key metrics, scores, and financial health for Southern Missouri Bancorp, Inc.

Overview of Southern Missouri Bancorp, Inc.

SMBC NGM
Financial Services Banks - Regional Framework: Banks & Lenders Small Cap
Southern Missouri Bancorp, Inc. (SMBC), is a Small Cap company, in the Banks - Regional industry, last closed at $72.34, about 27.4% overvalued vs fair value, +38.2% 1Y return, ranked 481/1037 in sector.
Metrics P/E 10.5× Rev Growth 11.1% ROE 11.3% Div Yield 1.68%
USD 72.34
1.33%
(Delayed)
• Vol 90d: 22.0%
52-Week Range
Market Cap
$781.70M
Enterprise Value
$772.67M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 80%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.bankwithsouthern.c...
HQ Poplar Bluff, MO
Employees 696
Fiscal year Jun 30

Next Events

Earnings Jul 22 Estimated

Fair Value Snapshot

Bear Base Bull
$29
$53
$98
Current: $72.34 -27% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$277.4M
11.7%%
Interest Expense
$122.7M
Net Interest Income
$154.6M
10.8%%
Total Revenue
$182.6M
11.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
10.7%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$10.4M
17.8% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Southern Missouri Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
74
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
68
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing SMBC's balance between Growth (41.1%), Profitability (38.5%), and Safety (20.4%). Growth 41% Safety 20% Profitability 39%

Click axes to expand details. Marker shows current allocation.

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Growth

74th percentile vs peers
74
Key Signals
NII Growth YoY 10.8% 78p Asset Growth YoY 9.0% 72p Equity Growth YoY 11.5% 75p EPS Growth YoY 17.2% 66p
Strengths
  • Efficiency Ratio in top 20% of peers (56.5%, 80th percentile)
  • Growth above peer median with strong metric coverage (80%)
Risks

No significant risks identified for this axis.

Profitability

69th percentile vs peers
69
Key Signals
Strengths
Risks
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Safety

36th percentile vs peers
37
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Southern Missouri Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$52.54
- - -
-27.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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