Southern Missouri Bancorp, Inc. logo

Southern Missouri Bancorp, Inc.

SMBC

NASDAQFinancial ServicesBanks - Regional

Previous close

$74.38

+$0.32 · +0.43%

Aug 21, 4:00 PM ET

SMBC company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

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 website

Southern 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 / TTM

Valuation & 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.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends96%68%40%11%Gross margin, FY2022: 89.29%Gross margin, FY2023: 67.07%Gross margin, FY2024: 58.83%Gross margin, FY2025: 57.68%Gross margin, FY2026: 59.69%Operating margin, FY2022: 43.39%Operating margin, FY2023: 24.41%Operating margin, FY2024: 23.10%Operating margin, FY2025: 24.24%Operating margin, FY2026: 27.52%Net margin, FY2022: 34.16%Net margin, FY2023: 19.36%Net margin, FY2024: 18.37%Net margin, FY2025: 19.10%Net margin, FY2026: 22.70%FY2022FY2023FY2024FY2025FY2026
Gross margin FY2022 89.29%. Gross margin FY2023 67.07%. Gross margin FY2024 58.83%. Gross margin FY2025 57.68%. Gross margin FY2026 59.69%. Operating margin FY2022 43.39%. Operating margin FY2023 24.41%. Operating margin FY2024 23.10%. Operating margin FY2025 24.24%. Operating margin FY2026 27.52%. Net margin FY2022 34.16%. Net margin FY2023 19.36%. Net margin FY2024 18.37%. Net margin FY2025 19.10%. Net margin FY2026 22.70%.

Income trends

Revenue

316.54M USD+3.70%

Operating income

87.1M USD+17.72%

Net income

71.84M USD+23.19%
Income trends across reported periods344.27M USD233.35M USD122.43M USD11.51M USDRevenue, FY2022: 138.07M USDRevenue, FY2023: 202.62M USDRevenue, FY2024: 273.22M USDRevenue, FY2025: 305.25M USDRevenue, FY2026: 316.54M USDOperating income, FY2022: 59.9M USDOperating income, FY2023: 49.46M USDOperating income, FY2024: 63.11M USDOperating income, FY2025: 73.99M USDOperating income, FY2026: 87.1M USDNet income, FY2022: 47.17M USDNet income, FY2023: 39.24M USDNet income, FY2024: 50.18M USDNet income, FY2025: 58.32M USDNet income, FY2026: 71.84M USDFY2022FY2023FY2024FY2025FY2026
Revenue FY2022 138.07M USD. Revenue FY2023 202.62M USD. Revenue FY2024 273.22M USD. Revenue FY2025 305.25M USD. Revenue FY2026 316.54M USD. Operating income FY2022 59.9M USD. Operating income FY2023 49.46M USD. Operating income FY2024 63.11M USD. Operating income FY2025 73.99M USD. Operating income FY2026 87.1M USD. Net income FY2022 47.17M USD. Net income FY2023 39.24M USD. Net income FY2024 50.18M USD. Net income FY2025 58.32M USD. Net income FY2026 71.84M USD.
Metric (USD)FY2026FY2025FY2024FY2023FY2022
Revenue316.54M USD305.25M USD273.22M USD202.62M USD138.07M USD
Cost of goods sold127.59M USD129.27M USD112.49M USD66.73M USD14.79M USD
Gross profit188.95M USD176.08M USD160.73M USD135.89M USD123.28M USD
Selling, general, and administrative70.35M USD60.16M USD57.84M USD50.14M USD37.85M USD
Operating expenses101.85M USD102.08M USD97.62M USD86.43M USD63.38M USD
Interest income288.99M USD277.37M USD248.38M USD176.42M USD116.87M USD
Interest expense116.14M USD122.75M USD108.89M USD49.67M USD13.3M USD
Depreciation and amortization10.02M USD10.09M USD7.56M USD5.92M USD
Operating income87.1M USD73.99M USD63.11M USD49.46M USD59.9M USD
Net income71.84M USD58.32M USD50.18M USD39.24M USD47.17M 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

ActualEstimate
Quarterly EPS actual values compared with estimates1.91.661.421.18Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 27, 2025: actual 1.3, estimate 1.28, surprise +1.56%, Beat. Q2 2025, reported Apr 21, 2025: actual 1.39, estimate 1.29, surprise +7.75%, Beat. Q3 2025, reported Jul 23, 2025: actual 1.39, estimate 1.25, surprise +11.20%, Beat. Q4 2025, reported Oct 22, 2025: actual 1.42, estimate 1.31, surprise +8.40%, Beat. Q1 2026, reported Jan 21, 2026: actual 1.62, estimate 1.56, surprise +3.85%, Beat. Q2 2026, reported Apr 22, 2026: actual 1.6, estimate 1.55, surprise +3.23%, Beat. Q3 2026, reported Jul 22, 2026: actual 1.83, estimate 1.52, surprise +20.39%, Beat. Q4 2026, reported Oct 28, 2026: actual —, estimate 1.66, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates54.58M50.69M46.8M42.91MQ1 '25MissQ2 '25MissQ3 '25BeatQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 27, 2025: actual 45.01M USD, estimate 45.35M USD, surprise -0.75%, Miss. Q2 2025, reported Apr 21, 2025: actual 46.11M USD, estimate 46.48M USD, surprise -0.80%, Miss. Q3 2025, reported Jul 23, 2025: actual 47.61M USD, estimate 46.26M USD, surprise +2.92%, Beat. Q4 2025, reported Oct 22, 2025: actual 48.99M USD, estimate 49.93M USD, surprise -1.88%, Miss. Q1 2026, reported Jan 21, 2026: actual 49.65M USD, estimate 49.96M USD, surprise -0.63%, Miss. Q2 2026, reported Apr 22, 2026: actual 50.25M USD, estimate 49.87M USD, surprise +0.76%, Beat. Q3 2026, reported Jul 22, 2026: actual 51.77M USD, estimate 51.14M USD, surprise +1.22%, Beat. Q4 2026, reported Oct 28, 2026: actual —, estimate 52.48M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$84.00

12.93% upside
Past 12 months12-month forecast

Price history unavailable

High $85.00Average $84.00Low $83.00

Rating distribution

3 ratings

Limited analyst sample: 3 ratings. Interpret the distribution with caution.

Strong buy00%
Buy133%
Hold267%
Sell00%
Strong sell00%

SMBC peers

ETFs holding SMBC

Funds reporting this stock among their holdings, ordered by reported position size.

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