SMBC
SOUTHERN MISSOURI BANCORP, INC.
Next earnings ≈ Aug 7, 2026 · est. from filing cadence
Last earnings +2.9% on 2026-04-23
$76.75
▲ +2.66%$76.75▲ +48.37%
over 1Y
L $47.27EODHDH $76.75
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+2.7%
1W+5.7%
1M+10.9%
3M+23.4%
YTD+32.0%
1Y+48.4%
Buy
Conviction
Horizon
Long (>12mo)
12-mo target
$•••
Street · 9 analysts
Buy
Quality Midwest community bank compounding earnings at 17% with improving NIM, clean credit, and a reasonable 14x P/E.
Diluted EPS $5.18 · FY2025
The read
Quality fundamentals and an attractive price line up (~104% below fair value) — the rarer case where both the business and the entry look good.
Southern Missouri Bancorp is executing a textbook community-bank playbook: net income grew 16.7% to $58.6M in FY2025 with diluted EPS up 17.2% to $5.18, while total assets expanded 9.0% to $5.02B and deposits grew to $4.28B. The MD&A confirms the quality of that growth — net interest margin expanded to 3.40% from 3.27%, interest rate spread widened to 2.84% from 2.71%, and return on average equity climbed to 11.37%. Net interest income rose to $154.6M (+10.8%) as the bank repriced assets faster than deposits, a meaningful pivot after the 2023 squeeze when NIM compressed to 3.54% on its way down. The stockholder-return graph in the filing shows SMBC at 246.84 vs. 100 in June 2020, beating the KBW Bank Index (219.86) and the S&P U.S. Midwest Banks Index (186.37) — a real outperformance, not just beta.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $47.2M | $47.2M | $39.2M | $50.2M | $58.6M |
| Diluted EPS | $5.22 | $5.21 | $3.85 | $4.42 | $5.18 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value$674M
EV / EBITDA—
EV / Sales—
EV / FCF8.9
P / FCF11.5
PEG (trailing)0.89
Earnings yield6.8%
FCF yield8.7%
Quality & risk
ROIC (est.)—
Free cash flow$75.3M
Total debt—
Net cash$193M
Capital returns
Buyback yield—
Dividend yield (est.)1.2%
Shareholder yield1.2%
Shares Δ YoY+0.1%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRecent disclosure tone has been improving.
- 10-Q Quarterly report2026-05-08
Q3 FY26 10-Q; continues FY25 trend of EPS +17% and NIM expansion to ~3.40%
- 8-K Reg FD disclosure2026-05-05
Reg FD investor materials / presentation released; no new financial disclosure
- 8-K Earnings results2026-04-23
Q3 FY26 earnings release; reported results and other material update
- 8-K Reg FD disclosure2026-02-10
Reg FD investor presentation furnished; informational update only
- 10-Q Quarterly report2026-02-06
Q2 FY26 10-Q; ongoing earnings growth on $5B asset base, ROE ~11%
- 8-K Earnings results2026-01-22
Q2 FY26 earnings release with supplemental update; routine quarterly print
- 8-K Charter / bylaws change2025-11-25
Amended bylaws filed (Item 5.03); governance change for shareholders
- 8-K Reg FD disclosure2025-11-10
Reg FD investor materials furnished; no material financial change
- 10-Q Quarterly report2025-11-07
Q1 FY26 10-Q; first quarter post strong FY25 ($58.6M NI, +16.7%)
Recent filings
all on EDGAR ↗4Period ending 2026-06-052026-06-09open ↗144Filing2026-06-05open ↗4Period ending 2026-05-272026-05-29open ↗4Period ending 2026-05-212026-05-22open ↗144Filing2026-05-21open ↗4Period ending 2026-05-132026-05-20open ↗4Period ending 2026-05-112026-05-15open ↗10-QPeriod ending 2026-03-312026-05-08open ↗4Period ending 2026-05-062026-05-08open ↗4Period ending 2026-05-012026-05-05open ↗8-KPeriod ending 2026-05-042026-05-05open ↗8-KPeriod ending 2026-04-212026-04-23open ↗
Frequently asked
- Is SOUTHERN MISSOURI BANCORP, INC. (SMBC) a buy?
- SMBC currently carries a Buy rating with 4/5 conviction, derived from its latest SEC filings. Quality Midwest community bank compounding earnings at 17% with improving NIM, clean credit, and a reasonable 14x P/E.
- What is SMBC's fair value?
- A Modified-Graham model based on SMBC's SEC fundamentals estimates a fair value of about $156.63. It is an estimate from reported earnings, not a price target.
- Is SMBC overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, SMBC currently appears undervalued relative to its SEC-grounded earnings power.
- What is SOUTHERN MISSOURI BANCORP, INC.'s quality score?
- SMBC scores 72.92156862745098/100 (grade B) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000916907, latest 10-Q filed 2026-05-08) · EODHD · analysis by claude-code · as of 6/25/2026, 2:56:14 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.