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

Company Overview

Southern Missouri Bancorp, Inc. is a bank holding company headquartered in West Plains, Missouri, and operates through its wholly owned subsidiary, Southern Missouri Bank. As a community-focused financial institution, the company offers a comprehensive range of banking and financial services to individuals, small businesses, and agricultural clients throughout southern Missouri. Established to serve the needs of local residents and enterprises, Southern Missouri Bancorp emphasizes personalized customer relationships and a commitment to regional economic growth.

The company’s core business activities include deposit-taking, commercial and consumer lending, mortgage origination, and wealth management services. Southern Missouri Bank provides traditional checking and savings accounts, certificates of deposit, and cash management solutions tailored to meet the needs of both retail and corporate customers. Its loan portfolio spans commercial real estate, agricultural finance, equipment loans, and residential mortgages, supported by a dedicated team of lending specialists who work closely with borrowers to structure flexible financing solutions.

In addition to deposit and lending products, Southern Missouri Bancorp offers a suite of technology-driven services, including online and mobile banking, remote deposit capture, debit and credit card programs, and treasury management tools for business clients. The bank’s trust division delivers estate planning, fiduciary, and investment advisory services, leveraging local expertise and personalized attention to help clients preserve and grow their assets. These diversified offerings enable the company to serve a broad spectrum of financial needs for individuals, families, and commercial enterprises across its service area.

Tracing its origins to a community charter in the early 20th century, Southern Missouri Bancorp has grown through organic expansion and strategic branch acquisitions to establish a network that spans rural and semi-urban markets in southern Missouri. The company’s leadership team comprises seasoned banking professionals with deep roots in the region, supported by a board of directors made up of local business and civic leaders. Under this governance structure, Southern Missouri Bancorp remains dedicated to fostering economic development, supporting agricultural producers, and delivering high-quality financial services that reflect its heritage of community banking excellence.

Key Stats

• Today's Range: $56.80 to $58.88
• 50-Day Range: $51.45 to $58.12
• 52-Week Range: $43.14 to $68.69
• Volume: 63,451 shs
• Average Volume: 33,662 shs
• Market Capitalization: $644.67 million
• P/E Ratio: 11.46
• Dividend Yield: 1.61%
• Price Target: $66.33
• Consensus Rating: Moderate Buy

Southern Missouri Bancorp Stock Analysis - MarketRank™

Southern Missouri Bancorp scored higher than 80% of companies evaluated by MarketBeat, and ranked 273rd out of 901 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: 2.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Southern Missouri Bancorp has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on 2 buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Southern Missouri Bancorp has only been the subject of 1 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 11.46, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.68.

Price to Earnings Ratio vs. Sector

The P/E ratio of Southern Missouri Bancorp is 11.46, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.95.

Price to Book Value per Share Ratio

Southern Missouri Bancorp has a P/B Ratio of 1.33. 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

0.90% of the float of Southern Missouri Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Southern Missouri Bancorp has a short interest ratio ("days to cover") of 3.1, 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 8.40%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Southern Missouri Bancorp pays a meaningful dividend of 1.58%, 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 18.47%. 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 16.14% 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

0.90% of the float of Southern Missouri Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Southern Missouri Bancorp has a short interest ratio ("days to cover") of 3.1, 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 8.40%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.4 / 5
• News Sentiment: N/A

News Sentiment

Southern Missouri Bancorp has a news sentiment score of 1.28. 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 0.74 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 $159,690.00 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 stock has decreased by 0.6% and is now trading at $57.05.

How were Southern Missouri Bancorp's earnings last quarter?

Southern Missouri Bancorp, Inc. (NASDAQ:SMBC) announced its quarterly earnings data on Monday, April, 21st. The savings and loans company reported $1.39 earnings per share for the quarter, topping the consensus estimate of $1.31 by $0.08. The savings and loans company had revenue of $46.15 million for the quarter, compared to analyst estimates of $45.33 million. Southern Missouri Bancorp had a trailing twelve-month return on equity of 11.06% and a net margin of 18.76%.
Read the conference call transcript.

When did Southern Missouri Bancorp's stock split?

Southern Missouri Bancorp shares split on Monday, February 2nd 2015.The 2-1 split was announced on Friday, January 2nd 2015. The newly issued shares were issued 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.

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: 4/21/2025
• Record date for 5/30 Dividend: 5/15/2025
• Ex-Dividend for 5/30 Dividend: 5/15/2025
• Dividend Payable: 5/30/2025
• Today: 7/08/2025
• Next Earnings (Estimated): 8/04/2025
• 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: N/A

Price Target and Rating

• Average Stock Price Target: $66.33
• High Stock Price Target: $68.00
• Low Stock Price Target: $65.00
• Potential Upside/Downside: +16.3%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $4.98
• Trailing P/E Ratio: 11.46
• Forward P/E Ratio: 11.27
• P/E Growth: N/A
• Net Income: $50.18 million
• Net Margins: 18.76%
• Pretax Margin: 23.95%
• Return on Equity: 11.06%
• Return on Assets: 1.17%

Debt

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

Sales & Book Value

• Annual Sales: $273.22 million
• Price / Sales: 2.36
• Cash Flow: $4.68 per share
• Price / Cash Flow: 12.20
• Book Value: $43.04 per share
• Price / Book: 1.33

Miscellaneous

• Outstanding Shares: 11,300,000
• Free Float: 9,424,000
• Market Cap: $644.67 million
• Optionable: Optionable
• Beta: 0.98