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: $51.35 to $53.33
• 50-Day Range: $51.53 to $58.13
• 52-Week Range: $45.10 to $68.69
• Volume: 99,191 shs
• Average Volume: 52,775 shs
• Market Capitalization: $601.08 million
• P/E Ratio: 10.28
• Dividend Yield: 1.88%
• Price Target: $64.67
• Consensus Rating: Moderate Buy

Southern Missouri Bancorp Stock Analysis - MarketRank™

Southern Missouri Bancorp scored higher than 94% of companies evaluated by MarketBeat, and ranked 92nd out of 920 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: 3.6 / 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 2.50, and is based on 2 buy ratings, 2 hold ratings, and no sell ratings.

Upside Potential

Southern Missouri Bancorp has a consensus price target of $64.67, representing about 21.5% upside from its current price of $53.24.

Amount of Analyst Coverage

Southern Missouri Bancorp has only been the subject of 3 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 10.28, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 234.43.

Price to Earnings Ratio vs. Sector

The P/E ratio of Southern Missouri Bancorp is 10.28, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 30.29.

Price to Book Value per Share Ratio

Southern Missouri Bancorp has a P/B Ratio of 1.10. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.65% 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 1.6, 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 decreased by 6.39%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Southern Missouri Bancorp pays a meaningful dividend of 1.94%, 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

0.65% 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 1.6, 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 decreased by 6.39%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: N/A
• News Sentiment: N/A

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

15.81% 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 at the start of the year. Since then, SMBC stock has decreased by 7.2% and is now trading at $53.24.

How were Southern Missouri Bancorp's earnings last quarter?

Southern Missouri Bancorp, Inc. (NASDAQ:SMBC) announced its quarterly earnings results on Wednesday, July, 23rd. The savings and loans company reported $1.39 EPS for the quarter, topping 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 net margin of 19.17% and a trailing twelve-month return on equity of 11.19%.
Read the conference call transcript.

When did Southern Missouri Bancorp's stock split?

Southern Missouri Bancorp shares split before market open on Monday, February 2nd 2015.The 2-1 split was announced on Friday, January 2nd 2015. The newly issued shares were payable to shareholders after the closing bell 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: 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: 10/06/2025
• 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: +21.5%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $5.18
• Trailing P/E Ratio: 10.28
• Forward P/E Ratio: 10.52
• P/E Growth: N/A
• Net Income: $58.58 million
• Net Margins: 19.17%
• Pretax Margin: 24.23%
• Return on Equity: 11.19%
• Return on Assets: 1.19%

Debt

• Debt-to-Equity Ratio: 0.23
• Current Ratio: 0.98
• Quick Ratio: 0.98

Sales & Book Value

• Annual Sales: $305.35 million
• Price / Sales: 1.97
• Cash Flow: $5.77 per share
• Price / Cash Flow: 9.22
• Book Value: $48.20 per share
• Price / Book: 1.10

Miscellaneous

• Outstanding Shares: 11,290,000
• Free Float: 9,506,000
• Market Cap: $601.08 million
• Optionable: Optionable
• Beta: 1.02