Southern Missouri Bancorp (SMBC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Southern Missouri Bancorp

NasdaqGM•Financial Services•Banks - Regional

$74.17+0.76(0.01%)Market closed

Market Cap

$794.94M

P/E

11.1x

P/S

2.5x

P/B

1.3x

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 deposit products, including interest-bearing and noninterest-bearing transaction accounts, money market deposit accounts, savings accounts, certificates of deposit, and retirement savings plans. It also provides loans secured by mortgages on one- to four-family residences and commercial and agricultural real estate; construction loans on residential and commercial properties; commercial and agricultural business loans; consumer loans; and business financing, including small business, working capital, business real estate, and equipment loans. In addition, the company offers fiduciary and investment management services; brokerage services of commercial and consumer insurance products; cash management and merchant services; online and mobile banking services; refinance services; and debit or credit cards. The company was founded in 1887 and is headquartered in Poplar Bluff, Missouri.

How this company scores

WeakMetricSide Score: 81/100

Grade capped at D — Interest coverage below 1× (0.9x) — earnings cannot cover interest. Strongest: Profitability (23/25); weakest: Balance Sheet & Red Flags (18/25).

Profitability23/25

Growth19/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality21/25

Strengths

Strong marginsRising earningsLow leverageCash-backed earnings

Grade capped at D

Interest coverage below 1× (0.9x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.1x5y range 8.0x – 13.9x

Currently near its 20-quarter median.

P/S · 2.5x5y range 1.8x – 3.5x

Currently near its 20-quarter median.

P/B · 1.3x5y range 0.9x – 1.5x

Price & Volume

Market Cap $794.94M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $316.78M
Q. Revenue: $80.12M
TTM EBITDA: $105.07M
TTM Op. Income: $98.56M
Q. Op. Income: $26.22M
TTM Net Income: $71.84M
Q. Net Income: $20.28M
EPS: $1.849
Shares Out.: $10.97M

$316.78M in TTM revenue grew 3.7% YoY, reaching $80.12M last quarter. TTM EBITDA of $105.07M and TTM operating income of $98.56M show growth is flowing through to the bottom line. TTM net income of $71.84M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 64.6%
EBITDA Margin: 36.9%
Op. Margin: 32.7%
Net Margin: 25.3%

Op. margin of 32.7% is up 5.0% YoY — cost efficiency is improving. Net margin at 25.3% and gross margin of 64.6% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 18% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 11.1x
P/S Ratio: 2.5x
P/B Ratio: 1.3x

At 11.1x P/E, the stock trades below typical market levels. P/S of 2.5x and P/B of 1.3x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 3 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $5.24B
Cash: $90.97M
Long-Term Debt: $15.77M
Book Value: $590.68M
D/E Ratio: 0.0
Debt/EBITDA: 0.5

With $5.24B in assets and $15.77M in long-term debt, D/E is 0.0and book value is $590.68M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $13.97M
TTM Free Cash Flow: $76.56M
FCF Margin: 24.2%
FCF / Net Income: 1.1

TTM FCF of $76.56M on $13.97M in operating cash flow. The FCF / Net Income ratio of 1.1x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 2% — a weakening trend.