Southern Missouri Bancorp Inc (SMBC)

Currency in USD
72.26
+0.05(+0.07%)
Closed·
72.260.00(0.00%)
·
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Fair Value
Day's Range
71.9872.80
52 wk Range
47.6079.86
Key Statistics
Prev. Close
72.21
Open
72.33
Day's Range
71.98-72.8
52 wk Range
47.6-79.86
Volume
68.72K
Average Volume (3m)
101.56K
1-Year Change
33.0755%
Book Value / Share
53.62
Fair Value
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Fair Value Upside
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SMBC Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
81.25
Upside
+12.44%
Members' Sentiments
Bearish
Bullish
ProTips
2 analysts have revised their earnings upwards for the upcoming period
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Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Buy
Technical Indicators
Strong Buy
Moving Averages
Neutral

Analyst Ratings

1 Buy
4 Hold
0 Sell
Ratings:
5 analysts
Overall Consensus
Neutral

Analysts 12-Month Price Target:

Average 81.25
(+12.44% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
StoneX
Buy80.00+10.71%-New CoverageSep 23, 2026
Raymond James
Hold---New CoverageSep 01, 2026
Stephens
Hold---DowngradeAug 06, 2026
Keefe, Bruyette & Woods
Hold83.00+14.86%75.00MaintainJul 30, 2026
Piper Sandler
Hold83.00+14.86%79.00MaintainJul 27, 2026

Southern Missouri Bancorp Inc Earnings Call Summary for Q4/2026

  • Q4 2026 EPS of $1.83 beat estimates by $0.27 (17%); full-year EPS rose 24% to $6.43 with net interest margin expanding 22 basis points to 3.67%.
  • Revenue reached $51.77M, topping forecasts by $570K, driven by 10% YoY net interest income growth and improved funding mix despite competitive pressures.
  • Management expects fiscal 2027 headwinds: margin compression from rising short-term rates, higher credit provisions (125-135 bps of loans), and increased expenses.
  • Loan growth forecast at mid-single digits vs. 7.1% in 2026; 25% of deposits tied to 91-day T-bills and $1.3B in CDs repricing over 12 months.
  • CEO signals M&A focus over buybacks given current price-to-tangible book valuation; non-performing assets remain elevated but manageable per executives.
Last Updated: 2026-07-23, 11:24 a/m
Read Full Transcript

Earnings

Latest Release
Jul 22, 2026
EPS / Forecast
1.83 / 1.56
Revenue / Forecast
51.77M / 51.2M
EPS Revisions
Last 90 days

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 6.43%
Dividend Yield
1.49%
Industry Median 2.69%
Annualized payout
1.08
Paid quarterly
5-Years Growth
+10.03%
Growth Streak

SMBC Income Statement

Compare SMBC to Peers and Sector

Metrics to compare
SMBC
Peers
Sector
Relationship
P/E Ratio
11.1x12.4x9.4x
PEG Ratio
0.460.830.03
Price/Book
1.3x1.3x1.0x
Price / LTM Sales
4.2x3.6x2.9x
Upside (Analyst Target)
12.4%13.1%18.0%
Fair Value Upside
Unlock15.2%3.0%Unlock

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 deposit products, including interest-bearing and noninterest-bearing transaction accounts, money market deposit accounts, savings accounts, certificates of deposit, and retirement savings plans. It also provides loans secured by mortgages on one- to four-family residences and commercial and agricultural real estate; construction loans on residential and commercial properties; commercial and agricultural business loans; consumer loans; and business financing, including small business, working capital, business real estate, and equipment loans. In addition, the company offers fiduciary and investment management services; brokerage services of commercial and consumer insurance products; cash management and merchant services; online and mobile banking services; refinance services; and debit or credit cards. The company was founded in 1887 and is headquartered in Poplar Bluff, Missouri.

Sector
Financial
Employees
725

Ownership

Ownership Overview

Type
Common Stock Held% of Shares OutstandingMarket Value
Mutual Funds & ETFs
3.37M30.58%243.38M
Other Institutional Investors
3.11M28.25%224.84M
Public Companies & Retail Investors
4.53M41.16%327.60M
Total
11.01M100.00%795.82M

Top Holders

Holder
% of holding
Shares Held
Date Reported
Value (In 1,000s)
BlackRock, Inc.10.16%1,118,87780,850
Vanguard Capital Management, LLC4.35%478,78234,597

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FAQ

What Is the Southern Missouri (SMBC) Stock Price Today?

The Southern Missouri stock price today is 72.26 USD.

What Stock Exchange Does Southern Missouri Trade On?

Southern Missouri is listed and trades on the Nasdaq Stock Exchange.

What Is the Stock Symbol for Southern Missouri?

The stock symbol for Southern Missouri is "SMBC."

Does Southern Missouri Pay Dividends? What’s The Current Dividend Yield?

The Southern Missouri dividend yield is 1.49%.

What Is the Southern Missouri Market Cap?

As of today, Southern Missouri market cap is 795.27M USD.

What Is Southern Missouri's Earnings Per Share (TTM)?

The Southern Missouri EPS (TTM) is 6.43.

When Is the Next Southern Missouri Earnings Date?

Southern Missouri will release its next earnings report on Oct 26, 2026.

From a Technical Analysis Perspective, Is SMBC a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Sell.

How Many Times Has Southern Missouri Stock Split?

Southern Missouri has split 2 times.

How Many Employees Does Southern Missouri Have?

Southern Missouri has 725 employees.

What is the current trading status of Southern Missouri (SMBC)?

As of Sep 26, 2026, Southern Missouri (SMBC) is trading at a price of 72.26 USD, with a previous close of 72.21 USD. The stock has fluctuated within a day range of 71.98 USD to 72.80 USD, while its 52-week range spans from 47.60 USD to 79.86 USD.

What Is Southern Missouri (SMBC) Price Target According to Analysts?

The average 12-month price target for Southern Missouri is 81.25 USD, with a high estimate of 83 USD and a low estimate of 79 USD. 1 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Neutral. The stock has an +12.44% Upside potential.
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