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

Company Overview

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, saving accounts, certificates of deposit, retirement savings plans, and money market deposit accounts. It also provides loans, such as residential mortgage, commercial real estate, construction, and commercial business loans; and consumer loans comprising home equity, direct and indirect automobile loans, second mortgages, mobile home loans, and loans secured by deposits. In addition, the company offers fiduciary and investment management services; commercial and consumer insurance; online and mobile banking services; and debit or credit cards. The company was founded in 1887 and is headquartered in Poplar Bluff, Missouri.

Key Stats

• Today's Range: $54.97 to $56.20
• 50-Day Range: $51.45 to $58.12
• 52-Week Range: $45.10 to $68.69
• Volume: 10,287 shs
• Average Volume: 34,242 shs
• Market Capitalization: $629.35 million
• P/E Ratio: 10.75
• Dividend Yield: 1.65%
• Price Target: $64.67
• Consensus Rating: Moderate Buy

Southern Missouri Bancorp Stock Analysis - MarketRank™

Southern Missouri Bancorp scored higher than 80% of companies evaluated by MarketBeat, and ranked 349th out of 936 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 10.75, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 28.60.

Price to Earnings Ratio vs. Sector

The P/E ratio of Southern Missouri Bancorp is 10.75, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.62.

Price to Book Value per Share Ratio

Southern Missouri Bancorp has a P/B Ratio of 1.29. 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

0.83% 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 2.4, 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 6.31%, 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 1.75%, 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 17.76%. 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

0.83% 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 2.4, 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 6.31%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: N/A

News Sentiment

Southern Missouri Bancorp has a news sentiment score of 1.87. 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 2.9% and is now trading at $55.6950.

How were Southern Missouri Bancorp's earnings last quarter?

Southern Missouri Bancorp, Inc. (NASDAQ:SMBC) posted its quarterly earnings data on Wednesday, July, 23rd. The savings and loans company reported $1.39 earnings per share (EPS) for the quarter, topping the consensus estimate of $1.23 by $0.16. The savings and loans company had revenue of $47.61 million for the quarter, compared to analysts' expectations 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?

Southern Missouri Bancorp's stock 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 distributed 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 investors of Southern Missouri Bancorp include American Century Companies Inc. (2.21%), Geode Capital Management LLC (2.04%), Franklin Resources Inc. (0.70%) and JPMorgan Chase & Co. (0.52%). 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

• Record date for 5/30 Dividend: 5/15/2025
• Ex-Dividend for 5/30 Dividend: 5/15/2025
• Dividend Payable: 5/30/2025
• Last Earnings: 7/23/2025
• Today: 8/13/2025
• Record date for 8/29 Dividend: 8/15/2025
• Ex-Dividend for 8/29 Dividend: 8/15/2025
• Dividend Payable: 8/29/2025
• 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: N/A

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: +16.1%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $5.18
• Trailing P/E Ratio: 10.75
• Forward P/E Ratio: 11.01
• 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: $305.35 million
• Price / Sales: 2.06
• Cash Flow: $5.04 per share
• Price / Cash Flow: 11.05
• Book Value: $43.04 per share
• Price / Book: 1.29

Miscellaneous

• Outstanding Shares: 11,300,000
• Free Float: 9,424,000
• Market Cap: $629.35 million
• Optionable: Optionable
• Beta: 1.03