A Business at a Glance
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SOUTHERN MISSOURI BANCORP, INC.
SMBC
$878M
Mkt Cap
$77.63
-0.12%
SOUTHERN MISSOURI BANCORP, INC. (SMBC) has a current P/E ratio of 13.4, compared to its historical median P/E of 9.9. The stock is currently considered Expensive based on its historical valuation range.
SOUTHERN MISSOURI BANCORP, INC. (SMBC) has a 5-year average return on invested capital (ROIC) of 17.1%. This indicates strong capital allocation and a potential competitive advantage.
SOUTHERN MISSOURI BANCORP, INC. (SMBC) has a market capitalization of $930M. It is classified as a small-cap stock.
Yes, SOUTHERN MISSOURI BANCORP, INC. (SMBC) pays a dividend with a trailing twelve-month yield of 1.16%.
Based on historical P/E analysis, SOUTHERN MISSOURI BANCORP, INC. (SMBC) appears expensive. The current P/E of 13.4 is 36% above its historical median of 9.9. The estimated fair value CAGR (P/E method) is 6.5%.
SOUTHERN MISSOURI BANCORP, INC. (SMBC) operates in the Savings Institutions, Not Federally Chartered industry, within the Financials sector.
Item 1. Description of Business The disclosures set forth in this Item 1. are qualified by Item 1A. Risk Factors and the section captioned “Forward Looking Statements” in this section and other cautionary statements set forth elsewhere in this report. Southern Missouri Bancorp, Inc. ("Company") is a bank holding company and the parent company of Southern Bank (“Bank”). The Company changed its state of incorporation to Missouri on April 1, 1999, after originally incorporating in Delaware on December 30, 1993, for the purpose of becoming the holding company for the Bank, which was known as Southern Missouri Savings Bank upon completion of its conversion from a state chartered mutual savings and loan association to a state chartered stock savings bank. The Company’s common stock is quoted on the NASDAQ Global Market under the symbol "SMBC". The Bank was originally chartered by the state of Missouri as a mutual savings and loan association in 1887.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 192M | 305M | 273M | 203M | 138M | 113M |
| Net Income | 65M | 59M | 50M | 39M | 47M | 47M |
| EPS | $5.45 | $5.18 | $4.42 | $3.85 | $5.21 | $5.22 |
| Free Cash Flow | 84M | 75M | 61M | 56M | 63M | 49M |
| ROIC | 0.0% | 11.3% | 10.7% | 10.2% | 15.6% | 37.8% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 1.38 | 1.52 | 1.21 | 1.56 | 8.53 |
| Dividends/Share | $0.90 | $0.92 | $0.84 | $0.84 | $0.80 | $0.62 |
| Operating Income | 0 | 74M | 63M | 49M | 60M | 76M |
| Operating Margin | 0.0% | 24.2% | 23.1% | 24.4% | 43.4% | 67.9% |
| ROE | 11.5% | 11.3% | 10.7% | 10.2% | 15.6% | 16.6% |
| Shares Outstanding | 12M | 11M | 11M | 10M | 9M | 9M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 47M | 64M | 66M | 73M | 90M | 111M | 122M | 113M | 138M | 203M | 273M | 305M | 192M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 24M | 32M | 33M | 38M | 43M | 48M | 54M | N/A | 63M | 86M | 98M | 102M | 102M |
| EBIT | 1.4M | 20M | 22M | 22M | 29M | 36M | 34M | 76M | 60M | 49M | 63M | 74M | 0 |
| Op. Margin | 3.1% | 30.8% | 32.6% | 29.8% | 32.1% | 32.5% | 28.3% | 67.9% | 43.4% | 24.4% | 23.1% | 24.2% | 0.0% |
| Net Income | 9.9M | 13M | 15M | 16M | 21M | 29M | 28M | 47M | 47M | 39M | 50M | 59M | 65M |
| Net Margin | 21.2% | 21.1% | 22.3% | 21.4% | 23.4% | 26.1% | 22.6% | 41.9% | 34.2% | 19.4% | 18.4% | 19.2% | 33.9% |
| Non-Recurring | 0 | 0 | 74K | 332K | -206K | 0 | 0 | 0 | -3K | 444K | 0 | -73K | -73K |
| Returns on Capital | |||||||||||||
| ROIC | 9.3% | 11.1% | 11.4% | 10.3% | 11.0% | 13.0% | 11.0% | 37.8% | 15.6% | 10.2% | 10.7% | 11.3% | 0.0% |
| ROE | 9.3% | 11.1% | 11.4% | 10.4% | 11.2% | 13.2% | 11.1% | 16.6% | 15.6% | 10.2% | 10.7% | 11.3% | 11.5% |
| ROA | 1.1% | 1.2% | 1.1% | 1.0% | 1.2% | 1.4% | 1.2% | 1.7% | 1.6% | 1.0% | 1.1% | 1.2% | 1.3% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 13M | 20M | 18M | 26M | 31M | 39M | 40M | 52M | 67M | 62M | 70M | 82M | 89M |
| Free Cash Flow | 7.7M | 12M | 7.8M | 23M | 29M | 31M | 36M | 49M | 63M | 56M | 61M | 75M | 84M |
| Owner Earnings | -1.1M | -1.2M | -3.6M | 2.3M | 2.8M | 7.1M | 5.4M | 48M | 26M | 7.6M | 11M | 19M | -15M |
| CapEx | 5.7M | 7.5M | 9.8M | 3.0M | 2.1M | 7.7M | 4.3M | 2.9M | 4.6M | 6.0M | 9.0M | 6.3M | 4.8M |
| Maint. CapEx | 2.2M | 3.2M | 3.5M | 3.9M | 4.6M | 5.1M | 5.6M | 4.0M | 5.9M | 7.6M | 6.0M | 6.5M | 50M |
| Growth CapEx | 3.5M | 4.2M | 6.3M | 0 | 0 | 2.6M | 0 | 0 | 0 | 0 | 3.0M | 0 | 0 |
| D&A | 2.2M | 3.2M | 3.5M | 3.9M | 4.6M | 5.1M | 5.6M | 4.0M | 5.9M | 7.6M | 6.0M | 6.5M | 50M |
| CapEx/OCF | 42.6% | 37.5% | 55.6% | 11.8% | 7.0% | 19.9% | 10.7% | 5.5% | 6.9% | 9.7% | 12.9% | 7.7% | 5.4% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 3.8M | 4.8M | 5.5M | 5.6M | 7.2M | 8.6M | 9.5M | 10M | 11M |
| Dividend Yield | 0.0% | N/A | N/A | N/A | 1.4% | 1.7% | 2.1% | 2.1% | 1.7% | 2.0% | 2.0% | 1.7% | 1.2% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 1.2M | 5.8M | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Stock-Based Comp | 12M | 18M | 18M | 19M | 23M | 26M | 29M | N/A | 36M | 47M | 53M | 56M | 54M |
| Debt Repayment | 0 | 0 | 0 | 16M | 0 | 4.4M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | N/A | N/A | N/A | -28M | -23M | 288M | 66M | N/A | 414M | 487M | 682M | 560M | -134M |
| Cash & Equiv. | 15M | 17M | 23M | 31M | 26M | 35M | 54M | N/A | 87M | 54M | 61M | 193M | 134M |
| Long-Term Debt | N/A | N/A | N/A | 3.0M | 3.0M | 3.0M | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | 8.19 | 8.80 | 10.15 | 0.02 | 0.01 | 1.36 | 1.15 | 8.53 | 1.56 | 1.21 | 1.52 | 1.38 | 0.00 |
| Interest Coverage | 2.3 | 2.5 | 3.2 | 3.1 | 2.9 | 2.5 | 2.3 | 4.6 | 5.5 | 2.1 | 1.6 | 1.6 | 1.6 |
| Equity | 111M | 133M | 126M | 173M | 201M | 238M | 258M | 283M | 321M | 446M | 489M | 545M | 567M |
| Total Assets | 1.0B | 1.3B | 1.4B | 1.7B | 1.9B | 2.2B | 2.5B | 2.7B | 3.2B | 4.4B | 4.6B | 5.0B | 5.1B |
| Total Liabilities | 910M | 1.2B | 1.3B | 1.5B | 1.7B | 2.0B | 2.3B | 2.4B | 2.9B | 3.9B | 4.1B | 4.5B | 4.5B |
| Intangibles | 2.3M | 4.2M | 3.3M | 6.8M | 6.9M | 9.2M | 7.7M | 14M | 8.2M | 30M | 27M | 23M | 21M |
| Retained Earnings | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 388M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | 1.7B | 2.0B | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.73 | 1.79 | 1.98 | 2.07 | 2.39 | 3.14 | 2.99 | 5.22 | 5.21 | 3.85 | 4.42 | 5.18 | 5.45 |
| Owner EPS | -0.08 | -0.15 | -0.49 | 0.31 | 0.32 | 0.78 | 0.59 | 5.28 | 2.85 | 0.74 | 0.97 | 1.71 | -1.25 |
| Book Value | 8.15 | 17.63 | 16.89 | 23.04 | 22.92 | 25.90 | 28.04 | 31.36 | 35.43 | 43.77 | 43.05 | 48.17 | 47.36 |
| Cash Flow/Share | 0.98 | 2.65 | 2.37 | 3.41 | 3.50 | 4.19 | 4.37 | 5.73 | 7.44 | 6.09 | 6.19 | 7.21 | 9.58 |
| Dividends/Share | 0.00 | 0.34 | 0.36 | 0.40 | 0.44 | 0.52 | 0.60 | 0.62 | 0.80 | 0.84 | 0.84 | 0.92 | 0.90 |
| Shares Out. | 13.6M | 7.5M | 7.5M | 7.5M | 8.8M | 9.2M | 9.2M | 9.0M | 9.1M | 10.2M | 11.4M | 11.3M | 12.0M |
| Valuation | |||||||||||||
| P/E Ratio | 10.0 | 8.9 | 10.4 | 13.5 | 14.5 | 9.8 | 6.7 | 8.1 | 8.2 | 9.6 | 9.9 | 10.4 | 14.2 |
| P/FCF | 25.7 | 9.6 | 19.6 | 9.3 | 10.6 | 9.2 | 5.2 | 7.8 | 6.2 | 6.7 | 8.1 | 8.1 | 11.1 |
| EV/EBIT | N/A | N/A | N/A | N/A | 6.4 | 4.2 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | N/A | N/A | N/A | N/A | 1.5 | 1.2 | 0.7 | 1.3 | 1.2 | 0.8 | 1.0 | 1.1 | 1.6 |
| Price/Sales | 2.3 | 2.1 | 2.5 | 3.1 | 3.6 | 3.3 | 2.8 | 2.4 | 3.3 | 2.9 | 2.9 | 3.4 | 4.8 |
| FCF Yield | 7.8% | 10.4% | 5.1% | 10.8% | 9.4% | 10.9% | 19.4% | 12.8% | 16.1% | 14.9% | 12.3% | 12.3% | 9.0% |
| Market Cap | 98M | 120M | 154M | 210M | 302M | 284M | 185M | 382M | 389M | 376M | 498M | 612M | 930M |
| Avg. Price | 12.92 | 15.39 | 19.04 | 25.74 | 31.23 | 31.15 | 28.67 | 29.46 | 45.41 | 43.43 | 41.92 | 54.64 | 77.63 |
| Year-End Price | 14.43 | 15.89 | 20.64 | 27.91 | 34.54 | 30.91 | 20.13 | 42.21 | 42.97 | 36.86 | 43.90 | 54.10 | 77.63 |
SOUTHERN MISSOURI BANCORP, INC. passes 3 of 9 quality checks, indicating weak fundamentals.
SOUTHERN MISSOURI BANCORP, INC. trades at 13.4x trailing earnings, compared to its 15-year median P/E of 9.9x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 10.2x vs a median of 8.1x. The company's 5-year average ROIC is 17.1%. Total shareholder yield (dividends) is 1.2%. At current prices, the estimated annualized return to fair value is +8.2%.
SOUTHERN MISSOURI BANCORP, INC. (SMBC) reported annual revenue of $305 million in its most recent fiscal year, based on SEC EDGAR filings.
SOUTHERN MISSOURI BANCORP, INC. (SMBC) has a net profit margin of 19.2%. This is a healthy margin.
SOUTHERN MISSOURI BANCORP, INC. (SMBC) generated $75 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
SOUTHERN MISSOURI BANCORP, INC. (SMBC) has a debt-to-equity ratio of 1.38. This indicates moderate leverage.
SOUTHERN MISSOURI BANCORP, INC. (SMBC) reported earnings per share (EPS) of $5.18 in its most recent fiscal year.
SOUTHERN MISSOURI BANCORP, INC. (SMBC) has a return on equity (ROE) of 11.3%. This indicates moderate shareholder returns.
The Ledger Terminal provides 16 years of financial data for SOUTHERN MISSOURI BANCORP, INC. (SMBC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
SOUTHERN MISSOURI BANCORP, INC. (SMBC) has a book value per share of $48.17, based on its most recent annual SEC filing.