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SMBC

Southern Missouri Bancorp, Inc.

SMBC

NASDAQ·Financial Services·Banks - Regional·Mkt cap $856.8M

$76.04

▼ -2.24%

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Our plain-language verdict, the thesis, risk factors, and what is changing about the business.

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52-Week Range

$47.60 - $78.47

P/E

12.69

Fwd P/E

11.35

Beta

0.88

Div Yield

1.32%

Avg Vol

107.1K

Shares Out

11.1M

Mkt Cap

$856.8M

Price action

Price chart

Up 30.8% over the trailing year

1W
1M
3M
6M
YTD
1Y
5Y
MAX

Total returns

Price performance

Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.

Why we rate it this way

The thesis at a glance

Bull and bear case · plain-English context across the five lenses we evaluate.

▲

Bull Case

5 reasons

  • Established 135-year heritage and brand recognition in regional markets
  • Extensive branch network with 48 locations across Missouri, Arkansas, and Illinois
  • Deep community relationships and local market expertise
  • Comprehensive service offerings reducing customer switching costs
  • Digital banking capabilities competing with larger national banks
▼

Bear Case

2 risks

  • Average volatility.
  • Growth premium of 1.0x vs Commercial Banking peers. Reasonable for this growth rate.

Growth

Revenue decline expected

Expansion of digital banking and mobile services adoption

Value

Growth premium of 1.0x vs Commercial Banking peers. Reasonable for this growth rate.

Momentum

Strong

+16.8% over 3m

Quality

Strong

High-growth business (60% revenue growth, 60% gross margin). Profitable with strong growth momentum.

Dividend

Modest

1.32% yield

Earnings track record

Latest print - beat on both lines

AI-summarized recap of last quarter, plus the surprise on every print.

Next: Apr 20, 2026

“
Q2 26 RECAP

APR 22, 2026

Reported EPS of $1.60 vs $1.55 consensus (+3.2% surprise). Revenue of $50.2M vs $49.9M expected (+0.8%). Beat on both top and bottom lines.

EPS beat +3.2%
Rev beat +0.8%
Double beat

EPS surprise · last 4Q

1 of 1 beats

Q2 26

+3.2%

Next: Apr 20, 2026

Revenue trend · last 8Q

—

—

—

+15%

+11%

+12%

+10%

+69%

Q4 24

Q1 24

Q2 24

Q3 25

Q4 25

Q1 25

Q2 25

Q3 26

$42.9M

$43.8M

$45.0M

$46.1M

$47.6M

$79.6M

$79.0M

$77.9M

Margins · last 8Q

Gross

61.7%

Operating

28.2%

Profit

22.8%

View full earnings history →

Wall Street consensus

3 analysts · 33% Buy

Live ratings and price targets aggregated across covering analysts.

Buy

1

33%

Hold

2

67%

Sell

0%

Median Price Target

$73.50

▼ -3.3% vs $76.04

Low $71.00
Median $73.50
High $76.00

Latest: Piper Sandler · Jun 26, 2026

2 analysts covering

View full analyst page →

vs Industry

How SMBC stacks vs Banks - Regional

Stock metrics vs industry averages. Green = better than industry.

Industry comparison data unavailable for this stock.