Southern Missouri Bancorp Inc (SMBC)

Currency in USD
77.43
+0.39(+0.51%)
Closed·
77.430.00(0.00%)
·
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Fair Value
Day's Range
77.0078.02
52 wk Range
47.6079.86
Key Statistics
Prev. Close
77.43
Open
77.35
Day's Range
77-78.02
52 wk Range
47.6-79.86
Volume
103.37K
Average Volume (3m)
102.84K
1-Year Change
37.8985%
Book Value / Share
51.63
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
83.67
Upside
+8.05%
Members' Sentiments
Bearish
Bullish
ProTips
2 analysts have revised their earnings downwards for the upcoming period
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Technical Analysis

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

Analyst Ratings

0 Buy
3 Hold
0 Sell
Ratings:
3 analysts
Overall Consensus
Neutral

Analysts 12-Month Price Target:

Average 83.67
(+8.05% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
Stephens
Hold---DowngradeAug 06, 2026
Keefe, Bruyette & Woods
Hold83.00+7.19%75.00MaintainJul 30, 2026
Piper Sandler
Hold83.00+7.19%79.00MaintainJul 27, 2026
Piper Sandler
Hold79.00+2.03%71.00MaintainJun 26, 2026
Keefe, Bruyette & Woods
Hold73.00-5.72%65.00MaintainApr 28, 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 5.98%
Dividend Yield
1.40%
Industry Median 2.70%
Annualized payout
1.08
Paid quarterly
5-Years Growth
+9.95%
Growth Streak

SMBC Income Statement

Compare SMBC to Peers and Sector

Metrics to compare
SMBC
Peers
Sector
Relationship
P/E Ratio
12.7x13.2x10.0x
PEG Ratio
0.640.870.03
Price/Book
1.5x1.4x1.0x
Price / LTM Sales
4.6x3.8x2.9x
Upside (Analyst Target)
7.2%10.8%12.9%
Fair Value Upside
Unlock9.0%2.1%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 deposits products, including interest-bearing and noninterest-bearing transaction accounts, money market deposit accounts, saving 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; and consumer loans. In addition, the company offers fiduciary and investment management services; commercial and consumer insurance products; and debit or credit cards. The company was founded in 1887 and is headquartered in Poplar Bluff, Missouri.

Sector
Financial
Employees
718

Ownership

Ownership Overview

Type
Common Stock Held% of Shares OutstandingMarket Value
Mutual Funds & ETFs
3.26M29.56%252.06M
Other Institutional Investors
2.91M26.41%225.15M
Public Companies & Retail Investors
4.85M44.03%375.38M
Total
11.01M100.00%852.59M

Top Holders

Holder
% of holding
Shares Held
Date Reported
Value (In 1,000s)
BlackRock, Inc.8.42%927,65571,828
Vanguard Capital Management, LLC4.46%491,24938,037

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FAQ

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

The Southern Missouri stock price today is 77.43 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 1.4%.

What Is the Southern Missouri Market Cap?

As of today, Southern Missouri market cap is 852.59M USD.

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

The Southern Missouri EPS (TTM) is 5.98.

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 Neutral.

How Many Times Has Southern Missouri Stock Split?

Southern Missouri has split 2 times.

How Many Employees Does Southern Missouri Have?

Southern Missouri has 718 employees.

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

As of Aug 13, 2026, Southern Missouri (SMBC) is trading at a price of 77.43 USD, with a previous close of 77.43 USD. The stock has fluctuated within a day range of 77.00 USD to 78.02 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 83.67 USD, with a high estimate of 85 USD and a low estimate of 83 USD. 0 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Neutral. The stock has an +8.05% Upside potential.
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