
Southern Missouri Bancorp, Inc.
SMBCNASDAQFinancial ServicesBanks - Regional
Previous close
$74.38
+$0.32 · +0.43%
SMBC company overview
Regular session · ET · Market data may be delayed.
GoAI snapshot
AI-powered factor overview
GoAI score
Buy
Favorable setup — positive multi-factor alignment
Valuation
77
Undervalued
Momentum
58
Neutral
Sentiment
69
Bullish
Risk resilience
75
Moderate Risk
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Company profile
Company websiteSouthern Missouri Bancorp, Inc., established in 1887 and headquartered in Poplar Bluff, Missouri, functions as the parent company for Southern Bank. Through its subsidiary, it delivers a comprehensive suite of banking and financial solutions to both individual consumers and businesses across the United States. The company's offerings encompass a wide range of personal banking services, including checking and savings accounts, online and mobile banking, mortgages, refinancing options, and various loans and credit facilities. For corporate clients, it provides business banking, financing, and a variety of supporting business services. Additionally, Southern Missouri Bancorp extends its financial product portfolio to include investment and insurance services, digital banking, and debit and credit cards. As of June 30, 2021, the institution maintained a significant physical presence with 46 full-service and two limited-service branch locations. These branches are strategically distributed throughout numerous towns in Missouri (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), Arkansas (Jonesboro, Paragould, Batesville, Searcy, Bald Knob, Bradford, and Cabot), and Illinois (Anna, Cairo, and Tamms).
- Industry
- Banks - Regional
- Sector
- Financial Services
- Headquarters
- US
- CEO
- Greg A. Steffens
- Listed since
- Apr 12, 1994
- Employees
- 718
Market position
Day range
Current $74.38
52-week range
Current $74.38
- Open
- $74.09
- Previous close
- $74.06
- Volume
- 83.12K
- 0.83× average
- Average volume
- 100.6K
- Average daily volume
- Market cap
- 819.34M USD
- Beta
- 0.86
- Market reference 1
- 50-day average
- $75.8296
- -1.91% below average
- 200-day average
- $66.2004
- +12.36% above average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 920.32M USD
- P/E (TTM)
- 11.53×
- P/B (TTM)
- 1.38×
- P/S (TTM)
- 2.65×
- EV / EBITDA
- 10.57×
- Earnings yield
- 8.50%
- Free cash flow yield
- 0.00%
- Dividend yield
- 1.37%
Profitability & efficiency
- Gross margin
- 61.66%
- Operating margin
- 28.70%
- Net margin
- 23.23%
- Return on equity
- 12.16%
- Return on assets
- 1.37%
- Return on invested capital
- 8.69%
Financial health
- Debt / equity
- 0.25×
- Current ratio
- 0.12×
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|---|
| Revenue | 316.54M USD | 305.25M USD | 273.22M USD | 202.62M USD | 138.07M USD |
| Cost of goods sold | 127.59M USD | 129.27M USD | 112.49M USD | 66.73M USD | 14.79M USD |
| Gross profit | 188.95M USD | 176.08M USD | 160.73M USD | 135.89M USD | 123.28M USD |
| Selling, general, and administrative | 70.35M USD | 60.16M USD | 57.84M USD | 50.14M USD | 37.85M USD |
| Operating expenses | 101.85M USD | 102.08M USD | 97.62M USD | 86.43M USD | 63.38M USD |
| Interest income | 288.99M USD | 277.37M USD | 248.38M USD | 176.42M USD | 116.87M USD |
| Interest expense | 116.14M USD | 122.75M USD | 108.89M USD | 49.67M USD | 13.3M USD |
| Depreciation and amortization | — | 10.02M USD | 10.09M USD | 7.56M USD | 5.92M USD |
| Operating income | 87.1M USD | 73.99M USD | 63.11M USD | 49.46M USD | 59.9M USD |
| Net income | 71.84M USD | 58.32M USD | 50.18M USD | 39.24M USD | 47.17M USD |
Company facts updated Aug 24, 2026.
Earnings
- EPS beat rate
- 73%
- 8 beats, 3 misses, 0 met estimates
- Average EPS surprise
- +6.74%
- 11 comparable reports
- Latest EPS result
- 1.83
- Estimate 1.52 · Beat by 20.39%
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Analyst price target
Average target
$84.00
12.93% upsidePrice history unavailable
High $85.00Average $84.00Low $83.00Rating distribution
3 ratingsLimited analyst sample: 3 ratings. Interpret the distribution with caution.
SMBC peers
ETFs holding SMBC
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI23.25M0.00%2.3T USD0.03%$378.24+0.44%
Avantis U.S. Small Cap Value ETFAVUV22.95M0.07%31.27B USD0.25%$126.45+0.66%
iShares Russell 2000 ETFIWM18.66M0.02%81.62B USD0.19%$299.96+0.77%
Vanguard Extended Market ETFVXF8.31M0.01%93.7B USD0.05%$245.53+0.82%
State Street SPDR S&P Regional Banking ETFKRE7.61M0.19%4.06B USD0.35%$74.86+0.20%
iShares Russell 2000 Value ETFIWN6.54M0.04%14.66B USD0.24%$224.81+0.45%
Dimensional - US Targeted Value ETFDFAT4.29M0.03%14.66B USD0.28%$71.67+0.67%
Vanguard Russell 2000 ETFVTWO4.2M0.02%17.4B USD0.06%$121.25+0.74%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 23.25M
- Weight
- 0.00%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $378.24+0.44%
Avantis U.S. Small Cap Value ETFAVUV- Market value
- 22.95M
- Weight
- 0.07%
- AUM
- 31.27B USD
- Expense ratio
- 0.25%
- Price / 1D
- $126.45+0.66%
iShares Russell 2000 ETFIWM- Market value
- 18.66M
- Weight
- 0.02%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $299.96+0.77%
Vanguard Extended Market ETFVXF- Market value
- 8.31M
- Weight
- 0.01%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $245.53+0.82%
State Street SPDR S&P Regional Banking ETFKRE- Market value
- 7.61M
- Weight
- 0.19%
- AUM
- 4.06B USD
- Expense ratio
- 0.35%
- Price / 1D
- $74.86+0.20%
iShares Russell 2000 Value ETFIWN- Market value
- 6.54M
- Weight
- 0.04%
- AUM
- 14.66B USD
- Expense ratio
- 0.24%
- Price / 1D
- $224.81+0.45%
Dimensional - US Targeted Value ETFDFAT- Market value
- 4.29M
- Weight
- 0.03%
- AUM
- 14.66B USD
- Expense ratio
- 0.28%
- Price / 1D
- $71.67+0.67%
Vanguard Russell 2000 ETFVTWO- Market value
- 4.2M
- Weight
- 0.02%
- AUM
- 17.4B USD
- Expense ratio
- 0.06%
- Price / 1D
- $121.25+0.74%
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