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    Southern Missouri Bancorp (SMBC)

    Market Price (11/5/2026): $73.855 | Market Cap: $813.4 MilSector: Financials | Industry: Regional Banks

    Southern Missouri Bancorp (SMBC)

    Market Price (11/5/2026): $73.855
    Market Cap: $813.4 Mil
    Sector: Financials
    Industry: Regional Banks

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

    0

    Low stock price volatility
    Vol 12M is 21%

    Weak multi-year price returns
    2Y Excs Rtn is -7.7%

    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 Low stock price volatility
    Vol 12M is 21%
    1 Weak multi-year price returns
    2Y Excs Rtn is -7.7%
    2 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

    VTI0.00%
    ITOT0.00%
    IWM0.02%
    VIG0.00%
    KRE0.27%
    AVUV0.07%
    IWN0.04%
    VTWO0.02%
    +6 more covered ETFs

    Valuation & Metrics

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    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
    10/21/2026Earnings ReleaseRev: $53 Mil (A) vs. $52 Mil (E)
    EPS: 1.73 (A) vs. $1.66 (E)
    Upcoming
    11/13/2026DividendAmount: $0.27
    Payment On: 11/30/2026
    1/20/2027Earnings ReleaseRev: $52 Mil (E)
    EPS: $1.70 (E)

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 11/1/2026

    Southern Missouri Bancorp (SMBC) stock has lost about 5% since 7/31/2026 because of the following key factors:

    1. Sequential Decline in Earnings Per Share (EPS) and Return on Equity (ROE) in Fiscal Q1 2027.

    Southern Missouri Bancorp, which has a fiscal year ending June 30, reported preliminary net income for fiscal Q1 2027 (ended September 30, 2026) on October 21, 2026. While diluted EPS of $1.73 increased 25.4% year-over-year, it represented a 5.5% sequential decrease from the $1.83 reported in fiscal Q4 2026. Similarly, the annualized return on average common equity declined from 14.0% in fiscal Q4 2026 to 12.7% in fiscal Q1 2027. This sequential deceleration in profitability likely dampened investor enthusiasm, contributing to the stock's decline.

    2. Increase in Allowance for Credit Losses (AOCL).

    The company's Allowance for Credit Losses (AOCL) significantly increased by $4.6 million, rising from $9.8 million at June 30, 2026 (the end of fiscal Q4 2026), to $14.4 million at September 30, 2026 (the end of fiscal Q1 2027). This notable increase in AOCL could signal a more cautious outlook on potential loan quality or a proactive approach to credit risk management, which can lead to investor concern regarding future asset quality.

    Show more
    Updated on 11/1/2026

    Southern Missouri Bancorp (SMBC) stock has lost about 5% since 7/31/2026 because of the following key factors:

    1. Sequential Decline in Earnings Per Share (EPS) and Return on Equity (ROE) in Fiscal Q1 2027.

    Southern Missouri Bancorp, which has a fiscal year ending June 30, reported preliminary net income for fiscal Q1 2027 (ended September 30, 2026) on October 21, 2026. While diluted EPS of $1.73 increased 25.4% year-over-year, it represented a 5.5% sequential decrease from the $1.83 reported in fiscal Q4 2026. Similarly, the annualized return on average common equity declined from 14.0% in fiscal Q4 2026 to 12.7% in fiscal Q1 2027. This sequential deceleration in profitability likely dampened investor enthusiasm, contributing to the stock's decline.

    2. Increase in Allowance for Credit Losses (AOCL).

    The company's Allowance for Credit Losses (AOCL) significantly increased by $4.6 million, rising from $9.8 million at June 30, 2026 (the end of fiscal Q4 2026), to $14.4 million at September 30, 2026 (the end of fiscal Q1 2027). This notable increase in AOCL could signal a more cautious outlook on potential loan quality or a proactive approach to credit risk management, which can lead to investor concern regarding future asset quality.

    3. Broader Regional Bank Sector Sentiment Shift.

    The regional banking sector had experienced a strong rally earlier in 2026, with the S&P Regional Bank ETF returning 18.9% year-to-date through July 29, 2026. However, as the period progressed into October 2026, despite some regional banks reporting strong commercial loan demand and improved net interest income, a "weakness in capital markets and trading" was noted across the sector. This mixed outlook and potential for profit-taking after a period of significant gains likely contributed to a re-evaluation of valuations for regional bank stocks, including Southern Missouri Bancorp.

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    Stock Movement Drivers

    Fundamental Drivers

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    Market Drivers

    7/31/2026 to 11/4/2026
    ReturnCorrelation
    SMBC-5.9% 
    Market (SPY)2.6%17.9%
    Sector (XLF)4.0%51.3%

    Fundamental Drivers

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    Market Drivers

    4/30/2026 to 11/4/2026
    ReturnCorrelation
    SMBC7.1% 
    Market (SPY)7.0%1.8%
    Sector (XLF)14.0%43.9%

    Fundamental Drivers

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    Market Drivers

    10/31/2025 to 11/4/2026
    ReturnCorrelation
    SMBC40.6% 
    Market (SPY)13.4%14.8%
    Sector (XLF)14.4%45.1%

    Fundamental Drivers

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    Market Drivers

    10/31/2023 to 11/4/2026
    ReturnCorrelation
    SMBC88.8% 
    Market (SPY)89.7%41.5%
    Sector (XLF)91.0%58.1%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    SMBC Return74%-11%19%9%5%24%163%
    Peers Return21%-38%-12%-30%-16%-10%-65%
    S&P 500 Return27%-19%24%23%16%11%102%

    Monthly Win Rates [3]
    SMBC Win Rate67%42%58%58%58%64% 
    Peers Win Rate60%50%50%33%56%61% 
    S&P 500 Win Rate75%42%67%75%67%36% 

    Max Drawdowns [4]
    SMBC Max Drawdown-22%-27%-37%-25%-23%-13% 
    Peers Max Drawdown-24%-46%-55%-43%-43%-46% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: NEWT, ATLO, GBC, NARA, SHFS.
    [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 11/4/2026 (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, GBC, NARA, SHFS

    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, GBC, NARA, SHFS

    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

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    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.

    Peer Outperformance in Regional Banks

    SMBC has trailed 64% of its 263 Regional Banks peers over 5Y. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
    Share of Regional Banks constituents that SMBC has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    54%
    of 283 industry peers · 36.2% return
    3Y
    34%
    of 274 industry peers · 72.8% return
    5Y
    36%
    of 263 industry peers · 35.6% return
    No Regional Banks peer with a comparable growth profile has beaten SMBC by more than 20pp over 5Y.
    Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is SMBC's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Reinsurance 6 35.5%75.2%130.3% SPNT 170% · RNR 149% · RGA 146%
    Investment Banking & Brokerage 13 1.8%95.7%99.6% IBKR 329% · SNEX 173% · GS 157%
    Diversified Banks 12 34.2%147.9%96.6% CM 152% · JPM 137% · RY 136%
    Multi-Sector Holdings 4 10.9%62.5%86.0% BRK-B 101% · VOYA 71% · JEF 44%
    Life & Health Insurance 20 12.7%56.2%79.1% JXN 536% · UNM 233% · MFC 202%
    Property & Casualty Insurance 42 23.5%76.1%70.7% TRV 188% · PGR 177% · ACGL 176%
    Multi-line Insurance 9 9.6%68.6%58.3% GNW 115% · AIZ 104% · L 100%
    Regional Banks ← 264 34.6%91.5%51.6% CBC 273% · FCNCA 183% · NIC 143%
    Financial Exchanges & Data 15 20.6%40.7%36.8% CBOE 178% · VIRT 125% · CME 72%
    Insurance Brokers 15 5.9%14.3%32.4% LIFE 337% · ARX 89% · AJG 89%
    Asset Management & Custody Banks 85 -4.4%22.2%12.7% VCTR 270% · WT 220% · AAMI 208%
    Consumer Finance 30 8.6%85.4%9.8% ENVA 391% · FCFS 139% · AXP 105%
    Commercial & Residential Mortgage Finance 14 -47.8%26.0%4.2% FNMA 349% · FMCC 316% · ACT 157%
    Diversified Financial Services 4 2.0%22.6%3.3% FRHC 166% · EQH 80%
    Specialized Finance 3 16.0%34.5%-18.0% HASI -18% · CACC -28%
    Transaction & Payment Processing Services 17 21.7%25.4%-23.2% V 117% · MA 107% · CPAY 73%
    Mortgage REITs 35 -17.6%-5.3%-32.0% RITM 38% · DX 20% · AGNC 12%
    Diversified Capital Markets 20 -39.8%6.3%-65.5% LPLA 87% · TW 39% · RIOT -53%
    Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

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    Financials

    SMBCNEWTATLOGBCNARASHFSMedian
    NameSouthern.NewtekOneAmes Nat.Georgia .Narragan.SHF  
    Mkt Price72.9411.1135.0034.0010.910.0322.55
    Mkt Cap-0.30.3---0.3
    Rev LTM-27773-130-130
    Op Inc LTM-------
    FCF LTM--74021-7-7
    FCF 3Y Avg--37317----178
    CFO LTM--73922-11-11
    CFO 3Y Avg--37319----177

    Growth & Margins

    SMBCNEWTATLOGBCNARASHFSMedian
    NameSouthern.NewtekOneAmes Nat.Georgia .Narragan.SHF  
    Rev Chg LTM-7.8%21.3%---14.6%
    Rev Chg 3Y Avg-26.8%8.1%---17.5%
    Rev Chg Q-7.0%18.5%---12.7%
    QoQ Delta Rev Chg LTM-1.7%4.3%---3.0%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM--267.4%30.3%-8.5%-8.5%
    CFO/Rev 3Y Avg--138.6%30.2%----54.2%
    FCF/Rev LTM--267.5%28.9%-5.5%-5.5%
    FCF/Rev 3Y Avg--138.7%27.9%----55.4%

    Valuation

    SMBCNEWTATLOGBCNARASHFSMedian
    NameSouthern.NewtekOneAmes Nat.Georgia .Narragan.SHF  
    Mkt Cap-0.30.3---0.3
    P/S-1.14.3---2.7
    P/Op Inc-------
    P/EBIT-------
    P/E-4.813.5---9.2
    P/CFO--0.414.1---6.8
    Total Yield-30.6%10.0%---20.3%
    Dividend Yield-9.7%2.5%---6.1%
    FCF Yield 3Y Avg--103.1%8.5%----47.3%
    D/E-1.80.1---0.9
    Net D/E-0.6-1.6----0.5

    Returns

    SMBCNEWTATLOGBCNARASHFSMedian
    NameSouthern.NewtekOneAmes Nat.Georgia .Narragan.SHF  
    1M Rtn1.4%-0.4%9.4%-11.2%1.0%-96.9%0.3%
    3M Rtn-7.2%-25.3%12.6%-11.2%1.0%-98.8%-9.2%
    6M Rtn6.2%-15.0%24.4%-11.2%1.0%-99.7%-5.1%
    12M Rtn36.8%12.8%73.6%-11.2%1.0%-99.9%6.9%
    3Y Rtn73.6%-14.2%120.8%-11.2%1.0%-100.0%-5.1%
    1M Excs Rtn5.1%2.5%11.7%-8.0%4.2%-93.3%3.4%
    3M Excs Rtn-4.2%-22.6%14.1%-9.4%2.8%-97.1%-6.8%
    6M Excs Rtn3.4%-17.8%21.6%-13.9%-1.7%-102.1%-7.8%
    12M Excs Rtn27.8%3.9%61.9%-21.5%-9.4%-109.0%-2.8%
    3Y Excs Rtn7.7%-90.0%52.7%-92.0%-80.6%-170.8%-85.3%

    Comparison Analyses

    null

    Segment Financials

    Revenue by Segment
    $ Mil20262025202420232022
    Single Segment201183164153125
    Total201183164153125


    Price Behavior

    Price Behavior
    Market Price$72.57 
    First Trading Date04/12/1994 
    Distance from 52W High-8.2% 
       50 Days200 Days
    DMA Price$71.96$69.50
    DMA Trenddownup
    Distance from DMA0.8%4.4%
     3M1YR
    Volatility15.3%21.4%
    Downside Capture31.8812.18
    Upside Capture-18.7047.21
    Correlation (S&P 500)3.2%14.7%
    SMBC Betas & Captures as of 10/31/2026

     1M2M3M6M1Y3Y
    Beta0.060.140.240.010.240.84
    Up Beta-1.85-0.690.32-0.130.330.84
    Down Beta0.050.170.02-0.43-0.130.75
    Up Capture14%10%5%21%40%76%
    Bmk +ve Days12182862130427
    Stock +ve Days11212965130380
    Down Capture17%42%60%19%22%96%
    Bmk -ve Days10253664121325
    Stock -ve Days11223561120370

    [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
    SMBC37.7%21.4%1.39-
    Sector ETF (XLF)15.0%15.0%0.7145.6%
    Equity (SPY)13.2%12.9%0.6814.7%
    Gold (GLD)1.0%28.8%0.03-7.3%
    Commodities (DBC)35.9%21.2%1.34-25.6%
    Real Estate (VNQ)14.3%14.1%0.7033.1%
    Bitcoin (BTCUSD)-28.2%43.4%-0.650.9%

    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
    SMBC9.1%31.0%0.31-
    Sector ETF (XLF)10.0%18.3%0.4054.4%
    Equity (SPY)12.5%17.2%0.5540.7%
    Gold (GLD)17.3%19.1%0.73-2.7%
    Commodities (DBC)8.0%19.6%0.291.4%
    Real Estate (VNQ)1.8%18.9%-0.0139.9%
    Bitcoin (BTCUSD)5.5%51.5%0.2917.0%

    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
    SMBC13.1%34.9%0.44-
    Sector ETF (XLF)13.7%22.1%0.5655.0%
    Equity (SPY)15.4%18.0%0.7344.7%
    Gold (GLD)11.9%16.5%0.59-2.7%
    Commodities (DBC)7.4%18.1%0.3311.4%
    Real Estate (VNQ)5.7%20.7%0.2343.0%
    Bitcoin (BTCUSD)61.0%66.2%1.0115.0%

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

    Short Interest

    Short Interest: As Of Date10152026
    Short Interest: Shares Quantity0.4 Mil
    Short Interest: % Change Since 9302026-2.9%
    Average Daily Volume0.1 Mil
    Days-to-Cover Short Interest5.4 days

    Returns Analyses

    Earnings Returns History

    Updated 10/30/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    10/21/20261.9%2.2% 
    7/22/20263.1%3.8%-1.4%
    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%
    ...
    SUMMARY STATS   
    # Positive161817
    # Negative977
    Median Positive2.2%2.0%7.3%
    Median Negative-2.4%-2.8%-3.0%
    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
    10/21/20261.9%2.2% 
    7/22/20263.1%3.8%-1.4%
    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%
    SUMMARY STATS   
    # Positive161817
    # Negative977
    Median Positive2.2%2.0%7.3%
    Median Negative-2.4%-2.8%-3.0%
    Max Positive7.2%14.0%20.8%
    Max Negative-8.7%-13.9%-9.8%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202609/11/202610-K
    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
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202609/11/202610-K
    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

    Insider Activity

    Updated 9/10/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Hensley, Todd EDirectSell909202672.6610,851788,39138,779,463Form
    2Hensley, Todd EDirectSell909202673.484,749348,95740,016,547Form
    3Hecker, Mark EEVP-CHIEF CREDIT OFFICERIRASell820202675.532,500188,833614,085Form
    4Hecker, Mark EEVP-CHIEF CREDIT OFFICERSpouse IRASell820202675.51185  Form
    5Windes, RichardEVP-CHIEF LENDING OFFICERDirectSell609202669.702,000139,400374,638Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Hensley, Todd EDirectSell909202672.6610,851788,39138,779,463Form
    2Hensley, Todd EDirectSell909202673.484,749348,95740,016,547Form
    3Hecker, Mark EEVP-CHIEF CREDIT OFFICERIRASell820202675.532,500188,833614,085Form
    4Hecker, Mark EEVP-CHIEF CREDIT OFFICERSpouse IRASell820202675.51185  Form
    5Windes, RichardEVP-CHIEF LENDING OFFICERDirectSell609202669.702,000139,400374,638Form
    6Windes, RichardEVP-CHIEF LENDING OFFICERDirectSell522202668.472,000136,945368,040Form
    7Bagby, DouglasDirectSell508202668.9058039,9641,462,145Form
    8Love, Charles RDirectSell304202664.0058037,120974,080Form
    9Young, William Erevocable trustSell1121202553.871,50080,8015,039,412Form

    Industry Resources

    External Quote Links


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    Core Cache Last Updated: 11/4/2026