Southern Missouri Bancorp (SMBC) Stock Price, News & Analysis

Company Overview

Southern Missouri Bancorp, Inc. (NASDAQ: SMBC) is a bank holding company headquartered in West Plains, Missouri, serving as the parent of Southern Bank. The company focuses on delivering community banking services to individual and commercial customers across southern Missouri and northern Arkansas. It operates branch offices in local markets and provides a comprehensive suite of deposit and lending products tailored to both urban and rural communities.

Through its subsidiary, Southern Bank, the company offers deposit products such as checking and savings accounts, money market accounts and certificates of deposit, alongside digital and mobile banking platforms. Lending services include commercial loans, real estate financing, agricultural lending and consumer loans, addressing the financing needs of small businesses, agricultural enterprises and households. Its residential mortgage division provides home purchase and refinance solutions designed to meet a variety of borrower requirements.

In addition to core banking activities, Southern Missouri Bancorp provides wealth management and trust services through its investment and fiduciary arm. Clients benefit from financial planning, asset management and estate-planning services, as well as insurance and brokerage solutions. These offerings complement the company’s traditional banking products, enabling customers to pursue long-term financial objectives under one institutional roof.

With a strong emphasis on community engagement, Southern Missouri Bancorp supports local organizations and economic development efforts in its service area. The company prides itself on local decision-making authority and personalized customer relationships, aiming to respond swiftly to evolving regional needs. Its leadership team, composed of experienced community banking professionals, is dedicated to sustaining growth and upholding the company’s commitment to its markets.

Key Stats

• Today's Range: $56.00 to $57.61
• 50-Day Range: $51.85 to $58.13
• 52-Week Range: $45.10 to $68.69
• Volume: 135,690 shs
• Average Volume: 34,152 shs
• Market Capitalization: $635.51 million
• P/E Ratio: 10.86
• Dividend Yield: 1.78%
• Price Target: $64.67
• Consensus Rating: Hold

Southern Missouri Bancorp Stock Analysis - MarketRank™

Southern Missouri Bancorp scored higher than 80% of companies evaluated by MarketBeat, and ranked 341st out of 919 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.8 / 5
• Analyst Rating: Hold

Consensus Rating

Southern Missouri Bancorp has received a consensus rating of Hold. The company's average rating score is 2.33, and is based on 1 buy rating, 2 hold ratings, and no sell ratings.

Upside Potential

Southern Missouri Bancorp has a consensus price target of $64.67, representing about 15.0% upside from its current price of $56.24.

Amount of Analyst Coverage

Southern Missouri Bancorp has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 12.65%

Earnings Growth

Earnings for Southern Missouri Bancorp are expected to grow by 12.65% in the coming year, from $5.06 to $5.70 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Southern Missouri Bancorp is 10.86, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 278.41.

Price to Earnings Ratio vs. Sector

The P/E ratio of Southern Missouri Bancorp is 10.86, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 232.17.

Price to Book Value per Share Ratio

Southern Missouri Bancorp has a P/B Ratio of 1.31. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.72% of the outstanding shares of Southern Missouri Bancorp have been sold short.

Short Interest Ratio / Days to Cover

Southern Missouri Bancorp has a short interest ratio ("days to cover") of 2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Southern Missouri Bancorp has recently increased by 1.12%, indicating that investor sentiment is decreasing.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Southern Missouri Bancorp pays a meaningful dividend of 1.72%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Southern Missouri Bancorp has been increasing its dividend for 13 years.

Dividend Coverage

The dividend payout ratio of Southern Missouri Bancorp is 19.31%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Southern Missouri Bancorp will have a dividend payout ratio of 17.54% next year. This indicates that Southern Missouri Bancorp will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.72% of the outstanding shares of Southern Missouri Bancorp have been sold short.

Short Interest Ratio / Days to Cover

Southern Missouri Bancorp has a short interest ratio ("days to cover") of 2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Southern Missouri Bancorp has recently increased by 1.12%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 2.6 / 5
• News Sentiment: N/A

News Sentiment

Southern Missouri Bancorp has a news sentiment score of 1.73. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.97 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Southern Missouri Bancorp this week, compared to 2 articles on an average week.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Southern Missouri Bancorp insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $570,319.00 in company stock.

Percentage Held by Insiders

16.60% of the stock of Southern Missouri Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

49.49% of the stock of Southern Missouri Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

SMBC Stock Analysis - Frequently Asked Questions

How have SMBC shares performed this year?

Southern Missouri Bancorp's stock was trading at $57.37 on January 1st, 2025. Since then, SMBC shares have decreased by 2.0% and is now trading at $56.24.

How were Southern Missouri Bancorp's earnings last quarter?

Southern Missouri Bancorp, Inc. (NASDAQ:SMBC) posted its quarterly earnings results on Wednesday, July, 23rd. The savings and loans company reported $1.39 earnings per share for the quarter, beating analysts' consensus estimates of $1.23 by $0.16. The savings and loans company earned $47.61 million during the quarter, compared to analyst estimates of $46.60 million. Southern Missouri Bancorp had a trailing twelve-month return on equity of 11.35% and a net margin of 19.17%.
Read the conference call transcript.

When did Southern Missouri Bancorp's stock split?

Shares of Southern Missouri Bancorp split on the morning of Monday, February 2nd 2015.The 2-1 split was announced on Friday, January 2nd 2015. The newly minted shares were payable to shareholders after the market closes on Friday, January 30th 2015. An investor that had 100 shares of stock prior to the split would have 200 shares after the split.

Who are Southern Missouri Bancorp's major shareholders?

Top institutional shareholders of Southern Missouri Bancorp include FJ Capital Management LLC (2.50%), The Manufacturers Life Insurance Company (2.24%), American Century Companies Inc. (2.21%) and Geode Capital Management LLC (2.04%). Insiders that own company stock include Daniel Lee Jones, Greg A Steffens, William E Young, Sammy A Schalk, Matthew T Funke, Douglas Bagby, Dennis C Robison and Brett Dorton.
View institutional ownership trends.

How do I buy shares of Southern Missouri Bancorp?

Shares of SMBC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Southern Missouri Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Southern Missouri Bancorp investors own include American Water Works (AWK), Waste Connections (WCN), The RMR Group (RMR), AU Optronics (AUOTY), DiamondRock Hospitality (DRH), Voyager Therapeutics (VYGR) and iShares Micro-Cap ETF (IWC).

Company Calendar

• Last Earnings: 7/23/2025
• Record date for 8/29 Dividend: 8/15/2025
• Ex-Dividend for 8/29 Dividend: 8/15/2025
• Dividend Payable: 8/29/2025
• Today: 9/09/2025
• Next Earnings (Estimated): 10/27/2025
• Fiscal Year End: 6/30/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Banking
• Current Symbol: NASDAQ:SMBC
• CIK: 916907
• Web: www.bankwithsouthern.com
• Phone: (573) 778-1800
• Fax: 573-686-2920
• Employees: 540
• Year Founded: 1887

Price Target and Rating

• Average Price Target for Southern Missouri Bancorp: $64.67
• High Price Target: $66.00
• Low Price Target: $63.00
• Potential Upside/Downside: +14.2%
• Consensus Rating: Hold
• Rating Score (0-4): 2.33
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $5.18
• Trailing P/E Ratio: 10.86
• Forward P/E Ratio: 11.19
• P/E Growth: N/A
• Net Income: $58.58 million
• Net Margins: 19.17%
• Pretax Margin: 23.95%
• Return on Equity: 11.35%
• Return on Assets: 1.20%

Debt

• Debt-to-Equity Ratio: 0.24
• Current Ratio: 0.98
• Quick Ratio: 0.98

Sales & Book Value

• Annual Sales: $182.60 million
• Price / Sales: 3.50
• Cash Flow: $4.70 per share
• Price / Cash Flow: 12.04
• Book Value: $43.04 per share
• Price / Book: 1.32

Miscellaneous

• Outstanding Shares: 11,300,000
• Free Float: 9,424,000
• Market Cap: $639.92 million
• Optionable: Optionable
• Beta: 1.03