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

Company Overview

Southern Missouri Bancorp, Inc. is the bank holding company for Southern Bank, a community banking institution headquartered in Poplar Bluff, Missouri. Through Southern Bank, the company provides banking and financial services to individuals, families, farmers, and businesses.

Southern Bank offers deposit products, residential and commercial real estate lending, consumer loans, agricultural financing, business loans, mortgage services, and treasury management solutions. Customers also have access to digital banking, online bill pay, mobile banking, and other standard personal and business banking services.

Southern Bank traces its history to 1887 and serves communities primarily in Missouri and neighboring areas, including parts of Arkansas. Southern Missouri Bancorp has expanded its banking franchise over time through organic growth and acquisitions while maintaining a community-focused operating model. The company is led by President and Chief Executive Officer Greg Steffens.

Key Stats

• Today's Range: $71.36 to $72.50
• 50-Day Range: $71.33 to $79.33
• 52-Week Range: $47.60 to $79.86
• Volume: 54,598 shs
• Average Volume: 87,069 shs
• Market Capitalization: $787.43 million
• P/E Ratio: 11.12
• Dividend Yield: 1.51%
• Price Target: $83.67
• Consensus Rating: Moderate Buy

Southern Missouri Bancorp Stock Analysis - MarketRank™

Southern Missouri Bancorp scored higher than 92% of companies evaluated by MarketBeat, and ranked 152nd out of 854 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 1 strong buy rating, 1 buy rating, 4 hold ratings, and no sell ratings.

Upside Potential

Southern Missouri Bancorp has a consensus price target of $83.67, representing about 17.0% upside from its current price of $71.50.

Amount of Analyst Coverage

Southern Missouri Bancorp has been the subject of 6 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 3.98%

Earnings Growth

Earnings for Southern Missouri Bancorp are expected to grow by 3.98% in the coming year, from $6.78 to $7.05 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Southern Missouri Bancorp is 11.12, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.82.

Price to Earnings Ratio vs. Sector

The P/E ratio of Southern Missouri Bancorp is 11.12, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.58.

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

3.71% 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 3.55, 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 26.95%, 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 1.50%, 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 16.80%. 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 15.32% next year. This indicates that Southern Missouri Bancorp will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.3 / 5
• News Sentiment: 1.27

News Sentiment

Southern Missouri Bancorp has a news sentiment score of 1.27. 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 0.72 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 6 news articles for Southern Missouri Bancorp this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.2 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Southern Missouri Bancorp insiders have not sold or bought any 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.

Company Calendar

• Last Earnings: 7/22/2026
• Record date for 8/31 Dividend: 8/14/2026
• Ex-Dividend for 8/31 Dividend: 8/14/2026
• Dividend Payable: 8/31/2026
• Today: 9/28/2026
• Next Earnings (Estimated): 10/28/2026
• Fiscal Year End: 6/30/2027

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:SMBC
• CIK: 916907
• Web: www.bankwithsouthern.com
• Phone: (573) 778-1800
• Fax: 573-686-2920
• Employees: 739
• Year Founded: 1887

Price Target and Rating

• Average Price Target for Southern Missouri Bancorp: $83.67
• High Price Target: $85.00
• Low Price Target: $83.00
• Potential Upside/Downside: +17.0%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $6.43
• Trailing P/E Ratio: 11.12
• Forward P/E Ratio: 10.55
• P/E Growth: N/A
• Net Income: $71.84 million
• Net Margins: 22.63%
• Pretax Margin: 27.50%
• Return on Equity: 12.59%
• Return on Assets: 1.41%

Debt

• Debt-to-Equity Ratio: 0.25
• Current Ratio: 0.99
• Quick Ratio: 0.99

Sales & Book Value

• Annual Sales: $200.65 million
• Price / Sales: 3.92
• Cash Flow: $7.09 per share
• Price / Cash Flow: 10.09
• Book Value: $53.62 per share
• Price / Book: 1.33

Miscellaneous

• Outstanding Shares: 11,013,000
• Free Float: 9,407,000
• Market Cap: $787.43 million
• Optionable: Optionable
• Beta: 0.85