SMBC

Southern Missouri Bancorp, Inc.

Financial Services · USD

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70.70 USD -1.14 -1.59%
As of Oct 30, 2026 Extended hours 71.00 +0.42%
Bid
70.62 × 2
Ask
70.70 × 2
70.48 Day range 72.69
52.44 52-week range 79.33
YTD
+19.59%
1 year
+33.52%
Open
71.84
Prev close
71.84
Mkt cap
778.64M
Vol
109.66K
Avg vol
90.26K
EPS
6.78
P/E
10.43
Div yield
1.56%
More statistics
Low
70.48
High
72.69
Forward P/E
10.11
Beta
0.95
Short ratio
1.86
Inst. own
51.54%
Dividend
0.92
Ex-div date
Nov 14, 2024
Earnings
Feb 3, 2025
50-d avg
62.80
200-d avg
50.97
1y target
73.00

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SMBC five-day price chart70.871.672.373.173.9Oct 26Oct 27Oct 28Oct 29Oct 30

Financial health

Altman Z-Score

-0.66 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 3
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 3
  • P/B 3

Valuation

P/E 11.8×
FY 2017: 15.5×FY 2018: 16.3×FY 2019: 10.5×FY 2020: 8.1×FY 2021: 8.6×FY 2022: 8.7×FY 2023: 10.0×FY 2024: 10.0×FY 2025: 10.6×FY 2026: 11.8×
FY 2017 5y median 10.0× FY 2026
P/S 2.7×
FY 2017: 3.4×FY 2018: 3.8×FY 2019: 2.7×FY 2020: 1.8×FY 2021: 3.1×FY 2022: 3.0×FY 2023: 2.2×FY 2024: 1.8×FY 2025: 2.0×FY 2026: 2.7×
FY 2017 5y median 2.2× FY 2026
P/B 1.4×
FY 2017: 1.4×FY 2018: 1.7×FY 2019: 1.3×FY 2020: 0.9×FY 2021: 1.4×FY 2022: 1.3×FY 2023: 1.0×FY 2024: 1.0×FY 2025: 1.1×FY 2026: 1.4×
FY 2017 5y median 1.1× FY 2026
P/FCF 11.0×
FY 2017: 10.7×FY 2018: 12.0×FY 2019: 9.8×FY 2020: 6.2×FY 2021: 8.3×FY 2022: 6.5×FY 2023: 7.8×FY 2024: 8.2×FY 2025: 8.2×FY 2026: 11.0×
FY 2017 5y median 8.2× FY 2026
EV/EBITDA 10.6×
FY 2017: 11.0×FY 2018: 12.3×FY 2019: 8.2×FY 2020: 6.3×FY 2021: 5.4×FY 2022: 5.7×FY 2023: 9.4×FY 2024: 7.8×FY 2025: 6.7×FY 2026: 10.6×
FY 2017 5y median 7.8× FY 2026
EV/Sales 2.9×
FY 2017: 3.9×FY 2018: 4.6×FY 2019: 3.0×FY 2020: 2.1×FY 2021: 2.7×FY 2022: 2.7×FY 2023: 2.7×FY 2024: 2.1×FY 2025: 1.9×FY 2026: 2.9×
FY 2017 5y median 2.7× FY 2026
FCF Yield 9.1%
FY 2017: 9.4%FY 2018: 8.4%FY 2019: 10.2%FY 2020: 16.1%FY 2021: 12.1%FY 2022: 15.4%FY 2023: 12.9%FY 2024: 12.2%FY 2025: 12.2%FY 2026: 9.1%
FY 2017 5y median 12.2% FY 2026

Profitability

Gross Margin 59.7%
FY 2017: 82.2%FY 2018: 80.1%FY 2019: 75.7%FY 2020: 72.4%FY 2021: 87.8%FY 2022: 89.3%FY 2023: 67.1%FY 2024: 58.8%FY 2025: 57.7%FY 2026: 59.7%
FY 2017 5y median 59.7% FY 2026
Operating Margin 27.5%
FY 2017: 30.3%FY 2018: 32.1%FY 2019: 32.5%FY 2020: 28.3%FY 2021: 46.1%FY 2022: 43.4%FY 2023: 24.4%FY 2024: 23.1%FY 2025: 24.2%FY 2026: 27.5%
FY 2017 5y median 24.4% FY 2026
Net Margin 22.7%
FY 2017: 21.8%FY 2018: 23.4%FY 2019: 26.1%FY 2020: 22.6%FY 2021: 36.4%FY 2022: 34.2%FY 2023: 19.4%FY 2024: 18.4%FY 2025: 19.1%FY 2026: 22.7%
FY 2017 5y median 19.4% FY 2026
ROE 12.2%
FY 2017: 9.0%FY 2018: 10.4%FY 2019: 12.1%FY 2020: 10.7%FY 2021: 16.6%FY 2022: 14.7%FY 2023: 8.8%FY 2024: 10.3%FY 2025: 10.7%FY 2026: 12.2%
FY 2017 5y median 10.7% FY 2026
ROIC 8.7%
FY 2017: 6.2%FY 2018: 6.9%FY 2019: 9.1%FY 2020: 7.7%FY 2021: 12.8%FY 2022: 11.8%FY 2023: 6.2%FY 2024: 7.7%FY 2025: 10.2%FY 2026: 8.7%
FY 2017 5y median 8.7% FY 2026
ROA 1.4%
FY 2017: 0.9%FY 2018: 1.1%FY 2019: 1.3%FY 2020: 1.1%FY 2021: 1.7%FY 2022: 1.5%FY 2023: 0.9%FY 2024: 1.1%FY 2025: 1.2%FY 2026: 1.4%
FY 2017 5y median 1.2% FY 2026

Growth (YoY)

Revenue 3.7%
FY 2017: 9.7%FY 2018: 25.4%FY 2019: 23.5%FY 2020: 10.2%FY 2021: 6.3%FY 2022: 6.6%FY 2023: 46.8%FY 2024: 34.8%FY 2025: 11.7%FY 2026: 3.7%
FY 2017 FY 2026
Operating Income 17.7%
FY 2017: 0.4%FY 2018: 32.9%FY 2019: 25.1%FY 2020: -4.2%FY 2021: 73.4%FY 2022: 0.3%FY 2023: -17.4%FY 2024: 27.6%FY 2025: 17.2%FY 2026: 17.7%
FY 2017 FY 2026
EPS (diluted) 24.1%
FY 2017: 5.1%FY 2018: 14.9%FY 2019: 31.4%FY 2020: -4.8%FY 2021: 74.6%FY 2022: -0.2%FY 2023: -26.1%FY 2024: 14.8%FY 2025: 17.2%FY 2026: 24.1%
FY 2017 FY 2026
Free Cash Flow 1.7%
FY 2017: 187.7%FY 2018: 26.2%FY 2019: 8.4%FY 2020: 16.5%FY 2021: 35.9%FY 2022: 28.3%FY 2023: -10.7%FY 2024: 9.4%FY 2025: 23.0%FY 2026: 1.7%
FY 2017 FY 2026

Financial Health

Current Ratio 0.1×
FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 1.1×FY 2026: 0.1×
FY 2017 5y median 0.1× FY 2026
Quick Ratio 0.1×
FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 1.1×FY 2026: 0.1×
FY 2017 5y median 0.1× FY 2026
Debt / Equity 0.3×
FY 2017: 0.4×FY 2018: 0.5×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.3×FY 2026: 0.3×
FY 2017 5y median 0.3× FY 2026
Net Debt / EBITDA 0.9×
FY 2017: 1.6×FY 2018: 2.1×FY 2019: 0.8×FY 2020: 0.7×FY 2021: -0.8×FY 2022: -0.5×FY 2023: 1.8×FY 2024: 1.0×FY 2025: -0.6×FY 2026: 0.9×
FY 2017 5y median 0.9× FY 2026
Interest Coverage 0.8×
FY 2017: 2.1×FY 2018: 1.9×FY 2019: 1.5×FY 2020: 1.3×FY 2021: 3.6×FY 2022: 4.5×FY 2023: 1.0×FY 2024: 0.6×FY 2025: 0.6×FY 2026: 0.8×
FY 2017 5y median 0.8× FY 2026

Dividends

Dividend Yield 1.3%
FY 2017: 1.2%FY 2018: 1.1%FY 2019: 1.6%FY 2020: 2.5%FY 2021: 1.4%FY 2022: 1.8%FY 2023: 2.0%FY 2024: 1.9%FY 2025: 1.7%FY 2026: 1.3%
FY 2017 5y median 1.8% FY 2026
Payout Ratio 15.5%
FY 2017: 19.2%FY 2018: 18.3%FY 2019: 16.5%FY 2020: 20.0%FY 2021: 11.9%FY 2022: 15.3%FY 2023: 22.0%FY 2024: 19.0%FY 2025: 17.8%FY 2026: 15.5%
FY 2017 5y median 17.8% FY 2026

Annual · latest fiscal year ends 2026-06-30