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    Southern Missouri Bancorp (SMBC)

    Market Price (8/9/2026): $77.1 | Market Cap: $851.3 MilSector: Financials | Industry: Regional Banks

    Southern Missouri Bancorp (SMBC)

    Market Price (8/9/2026): $77.1
    Market Cap: $851.3 Mil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.9%, FCF Yield is 11%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -15%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 48%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 46%

    Low stock price volatility
    Vol 12M is 25%

    Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.

    Trading close to highs
    Dist 52W High is -2.7%, Dist 3Y High is -2.7%

    Key risks
    SMBC key risks include [1] net interest margin compression due to its liability-sensitive balance sheet and [2] elevated credit risk from a high concentration of loans, Show more.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.9%, FCF Yield is 11%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -15%
    2 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 48%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 46%
    3 Low stock price volatility
    Vol 12M is 25%
    4 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.
    5 Trading close to highs
    Dist 52W High is -2.7%, Dist 3Y High is -2.7%
    6 Key risks
    SMBC key risks include [1] net interest margin compression due to its liability-sensitive balance sheet and [2] elevated credit risk from a high concentration of loans, Show more.

    SMBC in ETFs

    Weight = SMBC's share of each fund

    ITOT0.00%
    IWM0.03%
    VIG0.00%
    KRE0.19%
    AVUV0.08%
    IWN0.04%
    VTWO0.02%
    DFAS0.02%
    +5 more covered ETFs

    Valuation & Metrics

    FYE: 6/30SMBC [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$196.5 Mil—
    FY 2027 Sales$211.1 Mil—
    FY 2028 Sales$221.7 Mil—
    FY 2027 Sales Growth7.4%—
    FY 2028 Sales Growth5.0%12.8%
    EARNINGS
    LTM Net Income (GAAP) [3]$67.3 Mil—
    FY 2027 Net Income (Non-GAAP)$73.5 Mil—
    FY 2028 Net Income (Non-GAAP)$79.7 Mil—
    FY 2028 Net Income Growth8.5%18.8%
    FY 2027 EPS (Non-GAAP)$6.60—
    FY 2028 EPS (Non-GAAP)$7.15—
    FY 2028 EPS Growth8.3%—
    VALUATION
    FY 2027 P/S4.01.8
    FY 2028 P/S3.8—
    FY 2027 P/E11.68.4
    FY 2028 P/E10.7—

    [1] SMBC forward figures are analyst consensus for the next two fiscal years (fiscal year end 6/30). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 8/31/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    SMBCS&P 500
    REVENUE GROWTHGOOD
    Rev LTM ($ Bil)0.2
    Rev Chg Q8.9%9.4%
    Rev Chg LTM10.5%8.1%
    Rev Chg 3Y Avg11.5%5.9%
    PROFITABILITYVERY GOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.1
    Net Inc LTM ($ Bil)0.1
    CFO/Rev LTM47.8%21.9%
    Net Inc Mgn34.3%13.1%
    VALUATIONLOW
    P/S4.33.3
    P/CFO9.115.9
    P/FCF9.520.3
    P/E12.623.7

    AI Analysis | Feedback

    MetricValueDateSource
    Efficiency Ratio51.1%9302025Link
    Net Interest Margin3.57%9302025Link
    Average Loan-to-Deposit Ratio96.3%9302025Link
    Assets Under Fiduciary or Investment Management6263000003312025Link
    Number of Full-Service Branch Offices6211082025Link
    Number of Limited-Service Branch Offices311082025Link
    Number of Employees73911082025Link
    Nonperforming Loans as a Percentage of Gross Loans0.62%9302025Link
    Nonperforming Assets as a Percentage of Total Assets0.54%9302025Link
    Allowance for Credit Losses as a Percentage of Gross Loans1.24%9302025Link

    Price Chart

    Recent
    7/22/2026Earnings ReleaseRev: $51 Mil (A) vs. $51 Mil (E)
    EPS: 1.83 (A) vs. $1.52 (E)
    Upcoming
    8/14/2026DividendAmount: $0.27
    Payment On: 8/31/2026

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 8/1/2026

    Southern Missouri Bancorp (SMBC) stock has gained about 15% since 4/30/2026 because of the following key factors:

    1. Southern Missouri Bancorp reported a substantial earnings beat for its fiscal Q4 2026, which ended June 30, 2026. The company announced diluted earnings per share (EPS) of $1.83, surpassing the consensus estimate of $1.52 by $0.31, representing a 20.39% positive surprise. Quarterly revenue of $51.77 million also exceeded analysts' expectations of $51.14 million. This strong performance was highlighted by a 28.5% year-over-year increase in net income for the quarter.

    2. The company demonstrated robust growth in net interest income and notable net interest margin expansion during fiscal Q4 2026. Net interest income for the quarter increased by $4.1 million, or 10.1%, compared to the same period in the prior fiscal year. This was supported by a 20-basis-point increase in the net interest margin, which rose from 3.47% to 3.67% year-over-year.

    Show more
    Updated on 8/1/2026

    Southern Missouri Bancorp (SMBC) stock has gained about 15% since 4/30/2026 because of the following key factors:

    1. Southern Missouri Bancorp reported a substantial earnings beat for its fiscal Q4 2026, which ended June 30, 2026. The company announced diluted earnings per share (EPS) of $1.83, surpassing the consensus estimate of $1.52 by $0.31, representing a 20.39% positive surprise. Quarterly revenue of $51.77 million also exceeded analysts' expectations of $51.14 million. This strong performance was highlighted by a 28.5% year-over-year increase in net income for the quarter.

    2. The company demonstrated robust growth in net interest income and notable net interest margin expansion during fiscal Q4 2026. Net interest income for the quarter increased by $4.1 million, or 10.1%, compared to the same period in the prior fiscal year. This was supported by a 20-basis-point increase in the net interest margin, which rose from 3.47% to 3.67% year-over-year.

    3. Southern Missouri Bancorp achieved significant loan and deposit growth year-over-year as of June 30, 2026. Gross loans expanded by $291.2 million, or 7.1%, while deposits increased by $126.5 million, or 3.0%. This growth in core banking operations signals a healthy expansion of its balance sheet.

    4. The company increased its quarterly dividend, signaling strong financial health and commitment to shareholder returns. The board declared a quarterly dividend of $0.27 per common share, an 8.0% increase, payable on August 31, 2026. This dividend hike reflects management's confidence in the company's sustained profitability.

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    Stock Movement Drivers

    Fundamental Drivers

    The 13.5% change in SMBC stock from 4/30/2026 to 8/8/2026 was primarily driven by a 8.9% change in the company's P/E Multiple.
    (LTM values as of)43020268082026Change
    Stock Price ($)67.9977.1513.5%
    Change Contribution By: 
    Total Revenues ($ Mil)1921962.1%
    Net Income Margin (%)33.9%34.3%1.0%
    P/E Multiple11.612.68.9%
    Shares Outstanding (Mil)11111.0%
    Cumulative Contribution13.5%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    4/30/2026 to 8/8/2026
    ReturnCorrelation
    SMBC13.5% 
    Market (SPY)7.6%-5.1%
    Sector (XLF)10.5%40.1%

    Fundamental Drivers

    The 24.2% change in SMBC stock from 1/31/2026 to 8/8/2026 was primarily driven by a 11.9% change in the company's P/E Multiple.
    (LTM values as of)13120268082026Change
    Stock Price ($)62.1077.1524.2%
    Change Contribution By: 
    Total Revenues ($ Mil)1881964.7%
    Net Income Margin (%)32.9%34.3%4.2%
    P/E Multiple11.312.611.9%
    Shares Outstanding (Mil)11111.9%
    Cumulative Contribution24.2%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    1/31/2026 to 8/8/2026
    ReturnCorrelation
    SMBC24.2% 
    Market (SPY)12.1%11.6%
    Sector (XLF)8.3%44.7%

    Fundamental Drivers

    The 45.0% change in SMBC stock from 7/31/2025 to 8/8/2026 was primarily driven by a 19.2% change in the company's P/E Multiple.
    (LTM values as of)73120258082026Change
    Stock Price ($)53.2077.1545.0%
    Change Contribution By: 
    Total Revenues ($ Mil)17819610.5%
    Net Income Margin (%)31.7%34.3%8.2%
    P/E Multiple10.612.619.2%
    Shares Outstanding (Mil)11111.8%
    Cumulative Contribution45.0%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    7/31/2025 to 8/8/2026
    ReturnCorrelation
    SMBC45.0% 
    Market (SPY)23.4%26.7%
    Sector (XLF)11.3%51.5%

    Fundamental Drivers

    The 69.1% change in SMBC stock from 7/31/2023 to 8/8/2026 was primarily driven by a 38.3% change in the company's Total Revenues ($ Mil).
    (LTM values as of)73120238082026Change
    Stock Price ($)45.6277.1569.1%
    Change Contribution By: 
    Total Revenues ($ Mil)14219638.3%
    Net Income Margin (%)25.9%34.3%32.4%
    P/E Multiple13.512.6-6.0%
    Shares Outstanding (Mil)1111-1.8%
    Cumulative Contribution69.1%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    7/31/2023 to 8/8/2026
    ReturnCorrelation
    SMBC69.1% 
    Market (SPY)74.9%42.1%
    Sector (XLF)70.4%58.3%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    SMBC Return74%-11%19%9%5%33%182%
    Peers Return16%-19%25%0%49%20%109%
    S&P 500 Return27%-19%24%23%16%13%105%

    Monthly Win Rates [3]
    SMBC Win Rate67%42%58%58%58%88% 
    Peers Win Rate33%50%54%46%69%64% 
    S&P 500 Win Rate75%42%67%75%67%50% 

    Max Drawdowns [4]
    SMBC Max Drawdown-22%-27%-37%-25%-23%-7% 
    Peers Max Drawdown-16%-31%-31%-26%-21%-20% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: NEWT, ATLO, FCBM, CBC, NU.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 8/7/2026 (YTD)

    How Low Can It Go

    EventSMBCS&P 500
    2025 US Tariff Shock
      % Loss-21.7%-18.8%
      % Gain to Breakeven27.7%23.1%
      Time to Breakeven244 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-16.7%-9.5%
      % Gain to Breakeven20.1%10.5%
      Time to Breakeven59 days24 days
    2023 SVB Regional Banking Crisis
      % Loss-34.9%-6.7%
      % Gain to Breakeven53.5%7.1%
      Time to Breakeven83 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-21.1%-24.5%
      % Gain to Breakeven26.7%32.4%
      Time to Breakeven92 days427 days
    2020 COVID-19 Crash
      % Loss-46.4%-33.7%
      % Gain to Breakeven86.5%50.9%
      Time to Breakeven314 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-11.6%-19.2%
      % Gain to Breakeven13.1%23.8%
      Time to Breakeven59 days105 days

    Compare to NEWT, ATLO, FCBM, CBC, NU

    In The Past

    Southern Missouri Bancorp's stock fell -21.7% during the 2025 US Tariff Shock. Such a loss loss requires a 27.7% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventSMBCS&P 500
    2025 US Tariff Shock
      % Loss-21.7%-18.8%
      % Gain to Breakeven27.7%23.1%
      Time to Breakeven244 days79 days
    2023 SVB Regional Banking Crisis
      % Loss-34.9%-6.7%
      % Gain to Breakeven53.5%7.1%
      Time to Breakeven83 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-21.1%-24.5%
      % Gain to Breakeven26.7%32.4%
      Time to Breakeven92 days427 days
    2020 COVID-19 Crash
      % Loss-46.4%-33.7%
      % Gain to Breakeven86.5%50.9%
      Time to Breakeven314 days140 days
    2008-2009 Global Financial Crisis
      % Loss-33.5%-53.4%
      % Gain to Breakeven50.3%114.4%
      Time to Breakeven313 days1085 days

    Compare to NEWT, ATLO, FCBM, CBC, NU

    In The Past

    Southern Missouri Bancorp's stock fell -21.7% during the 2025 US Tariff Shock. Such a loss loss requires a 27.7% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About Southern Missouri Bancorp (SMBC)

    Southern Missouri Bancorp, Inc. (SMBC) operates as a bank holding company, primarily through its subsidiary, Southern Bank. The company provides a comprehensive suite of traditional banking and financial services tailored for both individual consumers and corporate customers. Essentially, SMBC functions as a regional community bank, offering the fundamental financial products and services required by its local populace and businesses.

    SMBC's core offerings encompass a wide array of services. For personal customers, these include essential banking like checking and savings accounts, online and mobile banking, mortgage and refinancing options, and various loans and credit services. For its business clientele, the company delivers specialized business banking solutions, financing options, and a range of general business services. Additionally, SMBC extends its financial reach by providing investing and insurance services, alongside digital banking tools and debit/credit card facilities.

    The company maintains a significant physical presence across a multi-state region. Its branch network is primarily concentrated in Southern Missouri, extending into Northern and Central Arkansas, and Southern Illinois. As of June 30, 2021, SMBC operated 48 branch offices across these states, solidifying its role as a key financial institution within these specific regional markets.

    AI Analysis | Feedback

    Here are 1-3 brief analogies for Southern Missouri Bancorp (SMBC):

    • Southern Missouri Bancorp is like a community-focused version of Bank of America or Wells Fargo, specifically serving towns in Missouri, Arkansas, and Illinois.
    • Think of it as a smaller, regional equivalent of U.S. Bank or PNC Bank, rooted in communities across Missouri, Arkansas, and Illinois.

    AI Analysis | Feedback

    ```html
    • Business Banking: Comprehensive financial services for corporate customers, including financing and various business support services.
    • Personal Banking: A suite of financial services for individuals, encompassing checking and savings accounts, loans, mortgages, and digital banking tools.
    • Investing Services: Services designed to help customers manage and grow their financial investments.
    • Insurance Services: Offerings of various insurance products to provide financial protection.
    ```

    AI Analysis | Feedback

    ```html

    Southern Missouri Bancorp (SMBC), through its subsidiary Southern Bank, provides banking and financial services to a diversified customer base. As a regional bank, it does not typically have a few identifiable "major customer companies" in the traditional sense, but rather serves broad categories of individual and corporate clients.

    Based on the services it offers, SMBC's major customer categories include:

    1. Individual and Household Customers: This category comprises individuals and families who utilize the bank's personal banking services. These include online and mobile banking, checking and savings accounts, mortgage and refinance services, personal loans, and credit/debit cards.
    2. Small to Medium-Sized Business (SMB) Customers: These are the "corporate customers" in its operating regions who rely on Southern Bank for business banking, business financing (e.g., commercial loans), and other business-specific services. This typically involves a wide range of local and regional companies.
    3. Investment and Insurance Clients: This category includes individuals and potentially businesses seeking financial planning, investment products, and insurance services offered by the bank.
    ```

    AI Analysis | Feedback

    null

    AI Analysis | Feedback

    Greg A. Steffens, Chairman and Chief Executive Officer
    Mr. Steffens joined Southern Missouri Bancorp in 1998 as Chief Financial Officer and was appointed President and CEO in 1999, a role he held until 2022, and has served as CEO since 2003 and Chairman since 2022. He possesses over 30 years of experience in the banking industry, including a tenure as Chief Financial Officer of Sho-Me Financial Corp from 1993 to 1998, prior to its sale to Union Planters Corporation. Additionally, he worked as an examiner with the Office of Thrift Supervision from 1989 to 1993.

    Stefan Chkautovich, Executive Vice President and Chief Financial Officer
    Mr. Chkautovich joined Southern Missouri Bancorp in August 2023. Prior to this, he served as Chief Financial Officer for Midwest Regional Bank since March 2022. From August 2016 to March 2022, he worked at Kennedy Capital Management, where his last role was manager of their Bank Sector Strategy. He also held several positions with the Federal Reserve Bank at St. Louis from May 2007 to July 2016, concluding as a Senior Bank Examiner.

    Matthew T. Funke, President and Chief Administrative Officer
    Mr. Funke joined Southern Missouri Bancorp in 2003, initially to establish an internal audit function and manage risk. He served as internal auditor and compliance officer until 2006, when he was appointed Chief Financial Officer, a position he held until 2022. Previously, Mr. Funke was an internal audit manager at Central Bancompany, Inc., and a fiscal analyst with the Missouri General Assembly. He has been the company's President and Chief Administrative Officer since 2023.

    Kimberly Capps, Executive Vice President and Chief Operations Officer
    Ms. Capps joined Southern Missouri Bancorp in 1994, bringing over 27 years of banking experience. She began as controller for the bank subsidiary and was named Chief Financial Officer in 2001. In 2006, Ms. Capps was appointed Chief Operations Officer. Before joining the company, she worked for Kraft, Miles & Tatum, specializing in financial institution audits and taxation.

    Justin G. Cox, Executive Vice President and Chief Banking Officer
    Mr. Cox has 22 years of experience in the banking industry, with 15 of those years at Southern Missouri Bancorp. He joined Southern Bank in 2010 as a lending officer and quickly advanced to leadership roles, including Community Bank President and Regional President. Effective May 1, 2025, he was appointed to the newly created position of Chief Banking Officer.

    AI Analysis | Feedback

    The key risks to Southern Missouri Bancorp (SMBC) primarily revolve around its core banking operations and the broader economic environment.

    1. Credit Quality Deterioration / Increased Credit Losses: Southern Missouri Bancorp faces risks related to a potential decline in the credit quality of its loan portfolio, which could lead to increased credit losses. Recent reports indicate concerns regarding credit quality deterioration, with a slight increase in non-performing loan balances and higher provisions for credit losses, signaling ongoing credit risk management challenges.
    2. Interest Rate Risk / Net Interest Margin Pressure: As a financial institution, Southern Missouri Bancorp is significantly exposed to fluctuations in interest rates. While the company utilizes derivatives for some protection, a substantial rise in interest rates could still impact its net portfolio value. Additionally, factors like liquidity can exert pressure on the net interest margin.
    3. Slower-than-expected Growth / Competition: The company faces risks associated with slower-than-anticipated growth in key areas such as loans, core deposits, and fee income. This risk is exacerbated by increasing competition within the financial services industry from other commercial banks, credit unions, and alternative investment options.

    AI Analysis | Feedback

    The clear emerging threat for Southern Missouri Bancorp is the rapid rise and increasing adoption of **neobanks and digital-only challenger banks**. These institutions operate without physical branches, leveraging technology to offer a wide range of banking services—including checking, savings, loans, and mobile banking—often with lower fees, higher interest rates, and a more seamless digital user experience. This model directly challenges traditional, branch-heavy regional banks like SMBC by attracting customers who prioritize convenience, digital accessibility, and potentially more competitive terms, thereby eroding SMBC's customer base and market share within and beyond its established geographic footprint.

    AI Analysis | Feedback

    Southern Missouri Bancorp (SMBC) operates in the banking and financial services sector, serving individuals and corporate customers primarily in Missouri, Arkansas, and Illinois. The addressable markets for its main products and services are as follows:

    Business Banking, Business Financing, and Business Services

    The U.S. commercial banking market, which encompasses business banking and financing services, is estimated at approximately USD 765.53 billion in 2026 and is projected to grow to USD 954.48 billion by 2031. For the small business banking sector specifically, the U.S. market was valued at USD 118.45 million in 2024 and is expected to reach USD 165 million by 2033.

    Personal Banking Services (including online and mobile banking, checking and savings, mortgage and refinance, and loans and credit services)

    The U.S. retail banking market, which includes a broad range of personal banking services such as checking and savings accounts and various loan products, generated a revenue of USD 454.3 billion in 2024 and is expected to reach USD 678.3 billion by 2033.

    For mortgage and refinance services, the U.S. home loan market is estimated at USD 2.42 trillion in 2026 and is forecasted to grow to USD 3.17 trillion by 2031. More specifically, within the St. Louis, Missouri-Illinois Metropolitan Statistical Area (MSA), which is part of Southern Missouri Bancorp's operational footprint, projections for 2025 indicate a total mortgage volume of USD 14.2 billion for combined purchase and refinance loans.

    Investing Services

    For portfolio management and investment advice in Arkansas, one of the company's operating states, the market size is estimated at USD 539.5 million in 2026. On a national scale, the U.S. private banking market, which includes wealth management and investment advisory services for affluent individuals, is projected to be USD 64.97 billion in 2026 and is expected to reach USD 100.52 billion by 2031.

    Insurance Services

    The overall U.S. insurance market was valued at USD 3.7 trillion in 2024 and is projected to grow by 3.9% during 2025–2032, reaching USD 9.1 trillion by 2032.

    AI Analysis | Feedback

    Expected Revenue Growth Drivers for Southern Missouri Bancorp (SMBC)

    Southern Missouri Bancorp (SMBC) is expected to drive future revenue growth over the next 2-3 years through several strategic initiatives and market conditions:

    1. Loan Growth: The company anticipates mid-single-digit loan growth for fiscal year 2026, with strong performance observed in 1-4 family residential, commercial and industrial (C&I), and construction and loan development loans. Southern Missouri Bancorp also experienced well-rounded loan growth across its footprint, particularly in its northern and southern regions, with net loans increasing by 6.6% to $4 billion in fiscal year 2025.
    2. Net Interest Margin Expansion and Net Interest Income Growth: Management expects continued net interest income growth throughout the year, driven by improvements in net interest margin. This improvement is projected to stem from decreasing funding costs and the repricing of fixed-rate loans. The company has noted that its net interest margin expanded due to loan yield expansion and a decline in the cost of interest-bearing liabilities.
    3. Strategic Acquisitions and Regional Consolidation: Southern Missouri Bancorp is positioned as a resilient regional consolidator, building on a decade of successful acquisitions. The company has highlighted potential opportunities for mergers and acquisitions within its existing footprint or in adjacent markets, supporting its strategy of combining community banking with disciplined balance sheet growth. The bank's management has historically generated substantial growth by increasing its geographic footprint.
    4. Geographic Expansion: The company plans to expand its physical presence by opening new locations. Specifically, Southern Missouri Bancorp intends to open two new branches in the St. Louis market during fiscal year 2026 to further expand its footprint and support sustained growth.
    5. Diversification of Fee Income: Efforts to increase noninterest income and further diversify revenue streams across all products and segments contributed to a 12.6% increase in noninterest income in fiscal year 2025, indicating a continuing strategy to broaden revenue sources beyond traditional interest income.

    AI Analysis | Feedback

    Share Repurchases

    • The Board of Directors approved a new program in January 2026 to repurchase up to an additional 550,000 shares of common stock, representing approximately 5% of its outstanding shares.
    • During the second quarter of fiscal 2026 (ended December 31, 2025), Southern Missouri Bancorp repurchased 148,000 shares at an average price of $54.32 per share, totaling $8.1 million.
    • Under an existing program, 408,585 shares were repurchased at an average cost of $48.28 per share.

    Share Issuance

    • As part of the merger with Citizens Bancshares Co., completed in January 2023, each share of Citizens common stock was exchanged for 1.1755 shares of Southern Missouri common stock.
    • In conjunction with the merger with Fortune Financial Corporation, completed in February 2022, each share of Fortune common stock was exchanged for 0.3025 shares of Southern Missouri common stock.

    Outbound Investments

    • Southern Missouri Bancorp completed the acquisition of Citizens Bancshares Co. in January 2023, with approximately $131.4 million in merger consideration comprising stock and cash.
    • The company completed its merger with Fortune Financial Corporation in February 2022, with the merger consideration totaling approximately $31.7 million, comprised of stock and cash.

    Capital Expenditures

    • Net property, plant, and equipment increased from $64.1 million at June 30, 2021, to $96.0 million at June 30, 2024.
    • Southern Missouri Bancorp invested $2,000 in capital expenditures in Q2 2026.

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    GDEWisdomTree Efficient Gold Plus Equity...Equity10.2%-4.3%
    SLViShares Silver TrustCommodity9.8%-10.7%
    MISLFirst Trust Indxx Aerospace & Defense...Equity9.7%10.4%
    SOXQInvesco PHLX Semiconductor ETFEquity9.2%74.5%

    Top Losers

    TickerCompanyCategory1W RtnYTD Rtn
    USOUnited States Oil Fund LPCommodity-8.7%70.6%
    XOPState Street SPDR S&P Oil & Gas Explo...Equity-6.2%32.3%
    EWZiShares MSCI Brazil ETFEquity-3.6%11.2%
    XLEState Street Energy Select Sector SPD...Equity-3.4%29.4%
    UNGUnited States Natural Gas Fund LPCommodity-3.2%-20.6%
    FXNFirst Trust Energy AlphaDEX FundEquity-3.0%30.7%
    ILFiShares Latin America 40 ETFEquity-2.1%13.7%
    DBCInvesco DB Commodity Index Tracking FundCommodity-1.8%29.3%
    PDBCInvesco Optimum Yield Diversified Com...Commodity-1.8%30.2%
    XLUState Street Utilities Select Sector ...Equity-1.7%2.9%

    Top Gainers

    TickerCompanyCategory1M RtnYTD Rtn
    RINGiShares MSCI Global Gold Miners ETFEquity19.8%5.9%
    PALLETFS Physical Palladium SharesCommodity10.4%-13.8%
    ETHAiShares Ethereum Trust ETFCryptocurrency9.7%-35.5%
    IGViShares Expanded Tech-Software Sector...Equity9.4%-2.8%
    PPLTETFS Physical Platinum SharesCommodity8.4%-15.0%
    COWZPacer US Cash Cows 100 ETFEquity8.3%15.4%
    FXIiShares China Large-Cap ETFEquity8.3%-5.5%
    KWEBKraneShares CSI China Internet ETFEquity8.2%-15.8%
    USOUnited States Oil Fund LPCommodity8.2%70.6%
    AKREAkre Focus ETFEquity7.5%-10.1%

    Top Losers

    TickerCompanyCategory1M RtnYTD Rtn
    EWYiShares MSCI South Korea ETFEquity-10.1%70.8%
    UNGUnited States Natural Gas Fund LPCommodity-10.1%-20.6%
    SOXXiShares Semiconductor ETFEquity-6.6%80.5%
    ICLNiShares Global Clean Energy ETFEquity-5.3%11.4%
    SOXQInvesco PHLX Semiconductor ETFEquity-4.7%74.5%
    XOVREntrepreneurShares Series Trust ERSha...Equity-4.5%-0.0%
    NASATema Space Innovators ETFEquity-4.3%1.5%
    XBIState Street SPDR S&P Biotech ETFEquity-4.2%29.1%
    SMHVanEck Semiconductor ETFEquity-4.1%61.8%
    MTUMiShares MSCI USA Momentum Factor ETFEquity-3.7%23.7%

    More From Trefis

    Research & Analysis

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    Wealth Management

    Peer Comparisons

    Peers to compare with:

    Financials

    SMBCNEWTATLOFCBMCBCNUMedian
    NameSouthern.NewtekOneAmes Nat.First Ca.Central .Nu  
    Mkt Price77.1513.5331.2512.4933.5113.8422.55
    Mkt Cap0.90.40.3-402.667.20.9
    Rev LTM19627273-1,00011,915272
    Op Inc LTM-------
    FCF LTM90-77621-45786890
    FCF 3Y Avg74-34817--1,71246
    CFO LTM94-77622-4911,20194
    CFO 3Y Avg80-34819--1,95250

    Growth & Margins

    SMBCNEWTATLOFCBMCBCNUMedian
    NameSouthern.NewtekOneAmes Nat.First Ca.Central .Nu  
    Rev Chg LTM10.5%10.5%21.3%--39.5%15.9%
    Rev Chg 3Y Avg11.5%32.1%8.1%--51.8%21.8%
    Rev Chg Q8.9%8.0%18.5%--57.2%13.7%
    QoQ Delta Rev Chg LTM2.1%1.9%4.3%--12.1%3.2%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM47.8%-285.4%30.3%-49.1%10.1%30.3%
    CFO/Rev 3Y Avg44.5%-134.4%30.2%--22.3%26.2%
    FCF/Rev LTM45.8%-285.4%28.9%-45.7%7.3%28.9%
    FCF/Rev 3Y Avg40.8%-134.5%27.9%--19.6%23.8%

    Valuation

    SMBCNEWTATLOFCBMCBCNUMedian
    NameSouthern.NewtekOneAmes Nat.First Ca.Central .Nu  
    Mkt Cap0.90.40.3-402.667.20.9
    P/S4.31.43.8-402.55.64.3
    P/Op Inc-------
    P/EBIT-------
    P/E12.66.012.1-1,072.721.112.6
    P/CFO9.1-0.512.6-820.556.012.6
    Total Yield9.2%24.4%11.1%-0.1%4.7%9.2%
    Dividend Yield1.3%7.6%2.8%-0.0%0.0%1.3%
    FCF Yield 3Y Avg11.5%-92.0%8.9%--2.6%5.8%
    D/E0.21.40.1-0.00.00.1
    Net D/E-0.20.4-1.8--0.0-0.4-0.2

    Returns

    SMBCNEWTATLOFCBMCBCNUMedian
    NameSouthern.NewtekOneAmes Nat.First Ca.Central .Nu  
    1M Rtn3.2%-6.0%7.6%-2.4%7.5%1.2%2.2%
    3M Rtn11.9%-3.9%10.1%-0.9%23.4%0.3%5.2%
    6M Rtn18.7%0.0%13.7%-0.9%39.4%-20.5%6.9%
    12M Rtn50.7%23.6%75.1%-0.9%85.0%12.5%37.2%
    3Y Rtn74.8%-10.1%83.5%-0.9%151.5%76.8%75.8%
    1M Excs Rtn0.4%-8.9%4.8%-5.3%4.7%-1.6%-0.6%
    3M Excs Rtn5.6%-5.4%4.5%-6.6%17.2%-8.7%-0.5%
    6M Excs Rtn4.5%-11.2%0.9%-15.0%27.2%-31.8%-5.1%
    12M Excs Rtn27.3%6.3%52.9%-23.1%62.7%-9.0%16.8%
    3Y Excs Rtn0.5%-81.8%8.0%-72.8%75.7%5.3%2.9%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 6/302026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q4
    Period End3/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/20236/30/2023
    Filing Date5/8/20262/6/202611/7/20259/11/20255/12/20252/10/202511/12/20249/13/20245/10/20242/9/202411/9/20239/13/2023
    Key Financials Quarterly            
    Total Revenue505049484645444340404145
    Net Income181816161615121411121316
    EPS1.601.621.391.401.391.301.101.191.001.081.161.37
    Key Financials TTM            
    Total Revenue TTM196192188183178172167164167167160153
    Net Income TTM676562595652495052434339
    Growth Rates Quarterly            
    Total Revenue Growth8.9%10.3%11.8%11.1%15.1%12.2%6.3%-5.1%0.1%19.0%21.2%31.8%
    Net Income Growth13.3%23.9%25.6%16.7%38.7%20.2%-5.3%-13.1%369.4%4.5%36.9%18.9%
    Margins Quarterly            
    Net Income Margin35.3%36.6%31.9%33.2%34.0%32.6%28.4%31.6%28.2%30.4%31.9%34.5%
    Cash & Debt            
    Total Cash260280271654399340496489602634494473
    Total Debt128125125127127130130125125136137157
    Net Debt / (Cash)-132-155-146-527-271-210-366-364-477-498-357-316
    Cash Flows Quarterly            
    FCF from Operations292116272420101524171423
    Cash Flows TTM            
    FCF from Operations TTM948988826969667078656962
    Returns to Shareholders Quarterly            
    Dividends333333322222
    Share Repurchases1080-0-0-0-04-0-0-0-0
    Return on Invested Capital (ROIC) Quarterly            
    ROIC--385.6%---------
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM--380.5%---------

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Single Segment183164153125113
    Total183164153125113


    Price Behavior

    Price Behavior
    Market Price$77.15 
    Market Cap ($ Bil)0.9 
    First Trading Date04/12/1994 
    Distance from 52W High-2.7% 
       50 Days200 Days
    DMA Price$74.50$64.75
    DMA Trendupup
    Distance from DMA3.6%19.1%
     3M1YR
    Volatility20.5%25.2%
    Downside Capture-12.6733.24
    Upside Capture38.1472.43
    Correlation (SPY)-6.5%26.2%
    SMBC Betas & Captures as of 7/31/2026

     1M2M3M6M1Y3Y
    Beta-0.29-0.28-0.150.160.520.87
    Up Beta-0.75-0.82-0.460.050.730.87
    Down Beta-1.18-0.69-0.54-0.360.260.74
    Up Capture26%42%38%52%62%83%
    Bmk +ve Days11223567138427
    Stock +ve Days11273771134383
    Down Capture3%-34%-22%15%45%98%
    Bmk -ve Days11212859114326
    Stock -ve Days11162655117366

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with SMBC
    SMBC49.8%25.1%1.56-
    Sector ETF (XLF)12.3%14.6%0.5751.0%
    Equity (SPY)23.3%12.8%1.3625.7%
    Gold (GLD)28.5%28.4%0.87-9.3%
    Commodities (DBC)32.9%19.8%1.32-16.8%
    Real Estate (VNQ)14.2%13.8%0.7233.7%
    Bitcoin (BTCUSD)-43.7%43.0%-1.2115.5%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with SMBC
    SMBC13.4%31.2%0.44-
    Sector ETF (XLF)11.4%18.4%0.4853.5%
    Equity (SPY)13.5%17.2%0.6140.7%
    Gold (GLD)18.6%18.6%0.81-2.8%
    Commodities (DBC)8.2%19.6%0.312.4%
    Real Estate (VNQ)2.3%18.9%0.0239.2%
    Bitcoin (BTCUSD)9.0%53.0%0.3616.2%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with SMBC
    SMBC14.0%34.9%0.47-
    Sector ETF (XLF)13.6%22.1%0.5655.0%
    Equity (SPY)15.4%17.9%0.7344.9%
    Gold (GLD)12.1%16.2%0.61-3.0%
    Commodities (DBC)7.4%18.0%0.3312.0%
    Real Estate (VNQ)4.8%20.7%0.2043.0%
    Bitcoin (BTCUSD)58.4%66.2%0.9815.2%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date7152026
    Short Interest: Shares Quantity0.3 Mil
    Short Interest: % Change Since 6302026-8.6%
    Average Daily Volume0.1 Mil
    Days-to-Cover Short Interest3.0 days
    Basic Shares Quantity11.0 Mil
    Short % of Basic Shares2.4%

    Returns Analyses

    Earnings Returns History

    Updated 7/31/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/22/20263.1%3.8% 
    4/23/2026-0.5%1.0%2.5%
    1/22/2026-5.0%-2.6%-1.5%
    10/23/20251.8%1.8%7.3%
    7/23/20251.5%-3.2%-2.3%
    4/22/2025-0.0%1.0%1.2%
    1/28/2025-0.1%0.0%-3.0%
    10/29/20242.6%-1.0%11.4%
    ...
    SUMMARY STATS   
    # Positive161818
    # Negative976
    Median Positive2.4%2.0%7.4%
    Median Negative-2.4%-2.8%-4.7%
    Max Positive7.2%14.0%20.8%
    Max Negative-8.7%-13.9%-9.8%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/22/20263.1%3.8% 
    4/23/2026-0.5%1.0%2.5%
    1/22/2026-5.0%-2.6%-1.5%
    10/23/20251.8%1.8%7.3%
    7/23/20251.5%-3.2%-2.3%
    4/22/2025-0.0%1.0%1.2%
    1/28/2025-0.1%0.0%-3.0%
    10/29/20242.6%-1.0%11.4%
    7/30/20243.3%-10.7%2.8%
    4/30/20241.0%2.1%4.6%
    1/30/2024-8.7%-13.9%-9.8%
    10/23/20230.4%2.4%12.1%
    7/24/20237.2%11.6%1.3%
    5/2/20232.6%1.0%20.8%
    1/31/20230.5%1.9%-6.4%
    10/25/2022-0.5%4.3%7.4%
    7/26/20223.2%8.7%7.3%
    4/26/2022-2.8%1.3%5.3%
    1/25/20222.7%0.1%-7.1%
    10/26/20215.3%14.0%15.9%
    7/27/20211.3%1.0%1.2%
    4/27/20210.5%2.5%9.2%
    1/26/2021-2.4%-0.4%13.3%
    10/27/2020-3.7%-2.8%14.7%
    7/28/20202.3%4.4%8.4%
    SUMMARY STATS   
    # Positive161818
    # Negative976
    Median Positive2.4%2.0%7.4%
    Median Negative-2.4%-2.8%-4.7%
    Max Positive7.2%14.0%20.8%
    Max Negative-8.7%-13.9%-9.8%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    03/31/202605/08/202610-Q
    12/31/202502/06/202610-Q
    09/30/202511/07/202510-Q
    06/30/202509/11/202510-K
    03/31/202505/12/202510-Q
    12/31/202402/10/202510-Q
    09/30/202411/12/202410-Q
    06/30/202409/13/202410-K
    03/31/202405/10/202410-Q
    12/31/202302/09/202410-Q
    09/30/202311/09/202310-Q
    06/30/202309/13/202310-K
    03/31/202305/10/202310-Q
    12/31/202202/09/202310-Q
    09/30/202211/09/202210-Q
    06/30/202209/13/202210-K
     Collapse to Preview
    Report DateFiling DateFiling
    03/31/202605/08/202610-Q
    12/31/202502/06/202610-Q
    09/30/202511/07/202510-Q
    06/30/202509/11/202510-K
    03/31/202505/12/202510-Q
    12/31/202402/10/202510-Q
    09/30/202411/12/202410-Q
    06/30/202409/13/202410-K
    03/31/202405/10/202410-Q
    12/31/202302/09/202410-Q
    09/30/202311/09/202310-Q
    06/30/202309/13/202310-K
    03/31/202305/10/202310-Q
    12/31/202202/09/202310-Q
    09/30/202211/09/202210-Q
    06/30/202209/13/202210-K
    03/31/202205/10/202210-Q
    12/31/202102/09/202210-Q
    09/30/202111/09/202110-Q
    06/30/202109/13/202110-K
    03/31/202105/10/202110-Q
    12/31/202002/09/202110-Q
    09/30/202011/09/202010-Q
    06/30/202009/14/202010-K
    03/31/202005/11/202010-Q
    12/31/201902/10/202010-Q
    09/30/201911/12/201910-Q
    06/30/201909/13/201910-K

    Insider Activity

    Updated 7/31/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Windes, RichardEVP-CHIEF LENDING OFFICERDirectSell609202669.702,000139,400374,638Form
    2Windes, RichardEVP-CHIEF LENDING OFFICERDirectSell522202668.472,000136,945368,040Form
    3Bagby, DouglasDirectSell508202668.9058039,9641,462,145Form
    4Love, Charles RDirectSell304202664.0058037,120974,080Form
    5Young, William Erevocable trustSell1121202553.871,50080,8015,039,412Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Windes, RichardEVP-CHIEF LENDING OFFICERDirectSell609202669.702,000139,400374,638Form
    2Windes, RichardEVP-CHIEF LENDING OFFICERDirectSell522202668.472,000136,945368,040Form
    3Bagby, DouglasDirectSell508202668.9058039,9641,462,145Form
    4Love, Charles RDirectSell304202664.0058037,120974,080Form
    5Young, William Erevocable trustSell1121202553.871,50080,8015,039,412Form

    Industry Resources

    External Quote Links


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