Southern Missouri Bancorp, Inc. (SMBC) AI Stock Analysis

Established in 1887 and based in Poplar Bluff, Missouri, Southern Missouri Bancorp, Inc. is a bank holding company that oversees Southern Bank. The company provides a comprehensive suite of banking and financial services to individual and commercial clients across the United States. Its personal banking services include checking, savings, money market accounts, certificates of deposit, retirement savings plans, mortgages, refinancing, and consumer loans. For commercial clients, it offers business banking, financing, commercial real estate loans, construction lending, and business solutions. It also delivers investing and insurance services, alongside digital banking options including online and mobile accounts, debit, and credit cards.

Between FY2021 and FY2026, Southern Missouri Bancorp achieved a revenue compound annual growth rate of 19.6%. Annual revenue expanded from $138.1M in FY2022 to $316.5M in FY2026, though annual growth moderated to 3.7% in FY2026 from 11.7% in FY2025. Net income reached $71.8M in FY2026, up from $47.2M in FY2022, resulting in an EPS of $6.43. Operating margin improved to 27.5% in FY2026 after declining from 43.4% in FY2022 to 23.1% in FY2024. For the latest quarter ended June 30, 2026, quarterly revenue grew 7.7% year-over-year, while quarterly earnings grew 32.5%. Trailing twelve months operating margin stands at 49.9% with a profit margin of 38.0%.

As of June 30, 2026, Southern Missouri Bancorp held $541.7M in cash and short-term investments against total debt of $148.3M, yielding net cash of $393.5M. Total assets stood at $5.23B and shareholders' equity was $590.7M, corresponding to a debt-to-equity ratio of 0.25 and a current ratio of 1.10. Operating cash flow in FY2026 was $80.5M, supporting capital expenditures of $4.0M and generating free cash flow of $76.6M. Capital allocation in FY2026 included $18.6M spent on share buybacks and $11.1M in dividends paid.

Southern Missouri Bancorp trades at a trailing P/E of 10.9x and a forward P/E of 8.8x, both below the median of its US-listed Financial Services peers of 12.1x and 10.8x, respectively. Its price-to-sales ratio is 4.1x, higher than the peer median of 3.2x, while its price-to-book ratio is 1.3x. The company's PEG ratio is 1.07. Over the past year, SMBC gained 49.0%, outperforming the S&P 500 (SPY) return of 16.8%. Over a five-year horizon, its return of 61.1% trails the S&P 500 return of 83.0%.

Southern Missouri Bancorp pays a quarterly dividend with an annualized forward payout of $1.02 per share, representing a dividend yield of 1.45%. The company has paid consecutive dividends for 32 years and has achieved an annualized 5-year dividend growth rate of 9.9%. Its payout ratio is 15.9%, and its last ex-dividend date was August 14, 2026.

Wall Street coverage consists of 1 Strong Buy and 5 Hold ratings. The mean price target is $80.20, representing an upside of 14.3% from the last close of $70.18. The company beat EPS estimates in each of the last 4 quarters. For the fiscal year ending June 30, 2027, consensus estimates call for an EPS of $6.60 on revenue of $210.6M. For the following fiscal year, 5 analysts project an EPS of $6.88 with revenue of $218.2M. The next earnings date is October 28, 2026.

This page is an AI-written research summary of Southern Missouri Bancorp, Inc. (SMBC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: SMBC income statement, SMBC balance sheet, SMBC key metrics, SMBC analyst forecast, SMBC chart. See the SMBC stock overview for the latest quote and news.