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Financial Services - Banks - Regional - NASDAQ - US
$ 47.58
0.295 %
$ 537 M
Market Cap
10.39
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one SMBC stock under the worst case scenario is HIDDEN Compared to the current market price of 47.6 USD, Southern Missouri Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one SMBC stock under the base case scenario is HIDDEN Compared to the current market price of 47.6 USD, Southern Missouri Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one SMBC stock under the best case scenario is HIDDEN Compared to the current market price of 47.6 USD, Southern Missouri Bancorp, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart SMBC

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$68.0$68.0$66.0$66.0$64.0$64.0$62.0$62.0$60.0$60.0$58.0$58.0$56.0$56.0$54.0$54.0$52.0$52.0$50.0$50.0$48.0$48.0$46.0$46.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
164 M REVENUE
7.44%
63.2 M OPERATING INCOME
27.78%
50.2 M NET INCOME
27.89%
70.3 M OPERATING CASH FLOW
13.29%
-246 M INVESTING CASH FLOW
-15.15%
182 M FINANCING CASH FLOW
53.85%
69.4 M REVENUE
58.38%
68.4 M OPERATING INCOME
331.72%
14.7 M NET INCOME
17.61%
20.1 M OPERATING CASH FLOW
101.54%
-118 M INVESTING CASH FLOW
-16.80%
168 M FINANCING CASH FLOW
59.77%
Balance Sheet Southern Missouri Bancorp, Inc.
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Current Assets 14 M
Cash & Short-Term Investments 14 M
Receivables 0
Other Current Assets 0
Non-Current Assets 4.52 B
Long-Term Investments 428 M
PP&E 96 M
Other Non-Current Assets 4 B
9.43 %88.15 %Total Assets$4.5b
Current Liabilities 12.9 M
Accounts Payable 12.9 M
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 918 M
Long-Term Debt 125 M
Other Non-Current Liabilities 792 M
13.46 %85.16 %Total Liabilities$930.4m
EFFICIENCY
Earnings Waterfall Southern Missouri Bancorp, Inc.
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Revenue 164 M
Cost Of Revenue -109 M
Gross Profit 273 M
Operating Expenses 164 M
Operating Income 63.2 M
Other Expenses 13 M
Net Income 50.2 M
300m300m250m250m200m200m150m150m100m100m50m50m00164m109m273m(164m)63m(13m)50mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
166.18% GROSS MARGIN
166.18%
38.46% OPERATING MARGIN
38.46%
30.54% NET MARGIN
30.54%
10.27% ROE
10.27%
1.09% ROA
1.09%
1.11% ROIC
1.11%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Southern Missouri Bancorp, Inc.
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70m70m60m60m50m50m40m40m30m30m20m20m10m10m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 50.2 M
Depreciation & Amortization 10.1 M
Capital Expenditures -9.05 M
Stock-Based Compensation 1.03 M
Change in Working Capital 12.4 M
Others 8.97 M
Free Cash Flow 61.2 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Southern Missouri Bancorp, Inc.
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Wall Street analysts predict an average 1-year price target for SMBC of $69 , with forecasts ranging from a low of $66 to a high of $72 .
SMBC Lowest Price Target Wall Street Target
66 USD 38.71%
SMBC Average Price Target Wall Street Target
69 USD 45.02%
SMBC Highest Price Target Wall Street Target
72 USD 51.32%
Price
Max Price Target
Min Price Target
Average Price Target
757570706565606055555050454540403535May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.40% DIVIDEND YIELD
0.23 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.9000.9000.8000.8000.7000.7000.6000.6000.5000.5000.4000.4000.3000.3000.2000.2000.1000.1000.0000.0000.0850.090.10.110.130.150.160.20.210.210.230.0850.090.10.110.130.150.160.20.210.210.090.10.110.130.150.150.20.210.210.230.090.350.10.380.110.420.130.480.150.560.150.600.20.720.210.820.210.840.230.880.232015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 9
6. Ownership
Insider Ownership Southern Missouri Bancorp, Inc.
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Sold
0-3 MONTHS
814 K USD 4
3-6 MONTHS
180 K USD 1
6-9 MONTHS
3.22 M USD 3
9-12 MONTHS
626 K USD 1
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Southern Missouri Bancorp (SMBC) Upgraded to Strong Buy: Here's Why Southern Missouri Bancorp (SMBC) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term. zacks.com - 3 weeks ago
Applied Digital Closes $375 Million Financing with SMBC to Support Ellendale HPC Campus Sumitomo Mitsui Banking Corporation (“SMBC”) leads a $375 million financing for the Company's Ellendale High Performance Computing (“HPC”) data center campus (the “Ellendale HPC Campus”) Provides further validation of the Ellendale HPC Campus through a partnership with one of the world's leading data center financing platforms DALLAS, Feb. 12, 2025 (GLOBE NEWSWIRE) -- Applied Digital Corporation (Nasdaq: APLD) ("Applied Digital" or the "Company"), a designer, builder, and operator of next-generation digital infrastructure for HPC applications, announced today that the Company, through its HPC subsidiary APLD HPC Holdings LLC (“APLDH”), closed a $375 million financing with SMBC. The Company used a portion of the proceeds to repay its obligations under the Macquarie Capital senior secured note, and the remaining proceeds are intended to be used to advance the development of the first and second data center buildings at the Ellendale HPC Campus. globenewswire.com - 2 months ago
Southern Missouri Bancorp, Inc. (SMBC) Q2 2025 Earnings Call Transcript Southern Missouri Bancorp, Inc. (NASDAQ:SMBC ) Q2 2025 Earnings Conference Call January 28, 2025 10:30 AM ET Company Participants Stefan Chkautovich - CFO Matt Funke - President and Chief Administrative Officer Greg Steffens - Chairman and CEO Conference Call Participants Matt Olney - Stephens Andrew Liesch - Piper Sandler Charlie Driscoll - KBW Operator Hello, and welcome to the Southern Missouri Bancorp Earnings Conference Call. My name is Alex and I'll be coordinating the call today. seekingalpha.com - 2 months ago
Southern Missouri Bancorp (SMBC) Beats Q2 Earnings and Revenue Estimates Southern Missouri Bancorp (SMBC) came out with quarterly earnings of $1.30 per share, beating the Zacks Consensus Estimate of $1.23 per share. This compares to earnings of $1.07 per share a year ago. zacks.com - 2 months ago
SOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR SECOND QUARTER OF FISCAL 2025; DECLARES QUARTERLY DIVIDEND OF $0.23 PER COMMON SHARE; CONFERENCE CALL SCHEDULED FOR TUESDAY, JANUARY 28, AT 9:30 AM CENTRAL TIME Poplar Bluff, Missouri, Jan. 27, 2025 (GLOBE NEWSWIRE) -- Southern Missouri Bancorp, Inc. (“Company”) (NASDAQ: SMBC), the parent corporation of Southern Bank (“Bank”), today announced preliminary net income for the second quarter of fiscal 2025 of $14.7 million, an increase of $2.5 million, or 20.2%, as compared to the same period of the prior fiscal year. The increase was attributable to increases in net interest income and noninterest income, partially offset by increases in noninterest expense, income taxes, and provision for credit losses. Preliminary net income was $1.30 per fully diluted common share for the second quarter of fiscal 2025, an increase of $0.23 as compared to the $1.07 per fully diluted common share reported for the same period of the prior fiscal year. globenewswire.com - 2 months ago
Is the Options Market Predicting a Spike in Southern Missouri Bancorp (SMBC) Stock? Investors need to pay close attention to Southern Missouri Bancorp (SMBC) stock based on the movements in the options market lately. zacks.com - 3 months ago
Hercules Capital Renews and Increases Its Multi-Currency SMBC Credit Facility to $300.0 Million SAN MATEO, Calif.--(BUSINESS WIRE)--Hercules Capital, Inc. (NYSE: HTGC) (“Hercules” or the “Company”), the largest and leading specialty financing provider to innovative venture, growth and established stage companies backed by some of the leading and top-tier venture capital and select private equity firms, today announced that it has renewed and upsized its existing $225.0 million credit facility with Sumitomo Mitsui Banking Corporation (“SMBC”) with an upsized credit facility under which Syn. businesswire.com - 4 months ago
Southern Missouri Bancorp (SMBC) Upgraded to Buy: Here's What You Should Know Southern Missouri Bancorp (SMBC) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy). zacks.com - 5 months ago
Southern Missouri Bancorp, Inc. (SMBC) Q1 2025 Earnings Call Transcript Southern Missouri Bancorp, Inc. (NASDAQ:SMBC ) Q1 2025 Results Conference Call October 29, 2024 10:30 AM ET Company Participants Stefan Chkautovich - Chief Financial Officer Matt Funke - President and Chief Administrative Officer Conference Call Participants Matt Olney - Stephens Kelly Motta - KBW Andrew Liesch - Piper Sandler Operator Hello, and welcome to the Southern Missouri Bancorp, Inc. Earnings Conference Call. My name is Alex. seekingalpha.com - 5 months ago
Southern Missouri Bancorp (SMBC) Misses Q1 Earnings Estimates Southern Missouri Bancorp (SMBC) came out with quarterly earnings of $1.10 per share, missing the Zacks Consensus Estimate of $1.11 per share. This compares to earnings of $1.16 per share a year ago. zacks.com - 5 months ago
SOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR FIRST QUARTER OF FISCAL 2025; DECLARES QUARTERLY DIVIDEND OF $0.23 PER COMMON SHARE; CONFERENCE CALL SCHEDULED FOR TUESDAY, OCTOBER 29, AT 9:30AM CENTRAL TIME Poplar Bluff, Missouri, Oct. 28, 2024 (GLOBE NEWSWIRE) --   Southern Missouri Bancorp, Inc. (“Company”) (NASDAQ: SMBC), the parent corporation of Southern Bank (“Bank”), today announced preliminary net income for the first quarter of fiscal 2025 of $12.5 million, a decrease of $693,000 or 5.3%, as compared to the same period of the prior fiscal year. The decrease was due primarily to higher provision for credit loss (“PCL”) expense, as well as higher non-interest expense. This was partially offset by an increase in net interest income. Preliminary net income was $1.10 per fully diluted common share for the first quarter of fiscal 2025, a decrease of $0.06 as compared to $1.16 per fully diluted common share reported for the same period of the prior fiscal year. During the first quarter of fiscal 2025, the Company engaged with a consultant to complete a performance improvement project to enhance operations and revenues of the Bank. The one-time cost associated with this review totaled $840,000, reduced after-tax net income by $652,000, or $0.06 per fully diluted common share, and was a primary reason for the increase in non-interest expense during the current period, noted in further detail below. globenewswire.com - 5 months ago
Here's Why Southern Missouri Bancorp (SMBC) Is a Great 'Buy the Bottom' Stock Now After losing some value lately, a hammer chart pattern has been formed for Southern Missouri Bancorp (SMBC), indicating that the stock has found support. This, combined with an upward trend in earnings estimate revisions, could lead to a trend reversal for the stock in the near term. zacks.com - 8 months ago
8. Profile Summary

Southern Missouri Bancorp, Inc. SMBC

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 537 M
Dividend Yield 0.40%
Description Southern Missouri Bancorp, Inc. operates as the bank holding company for Southern Bank that provides banking and financial services to individuals and corporate customers in the United States. The company offers business banking, business financing, and business services. It also provides personal banking services, which include online and mobile banking, checking and savings, mortgage and refinance, and loans and credit services. In addition, the company offers investing and insurance services. Further, it provides accounts and digital banking services; and debit or credit cards. As of June 30, 2021, the company operated 46 full-service branch offices, and two limited-service branch offices located in Poplar Bluff, Van Buren, Dexter, Kennett, Doniphan, Sikeston, Qulin, Matthews, Springfield, Thayer, West Plains, Alton, Clever, Forsyth, Fremont Hills, Kimberling City, Ozark, Nixa, Rogersville, Marshfield, Cape Girardeau, Jackson, Gideon, Chaffee, Benton, Advance, Bloomfield, Essex, and Rolla, Missouri; Jonesboro, Paragould, Batesville, Searcy, Bald Knob, Bradford, and Cabot, Arkansas; and Anna, Cairo, and Tamms, Illinois. Southern Missouri Bancorp, Inc. was founded in 1887 and is headquartered in Poplar Bluff, Missouri.
Contact 2991 Oak Grove Road, Poplar Bluff, MO, 63901 https://www.bankwithsouthern.com
IPO Date April 12, 1994
Employees 693
Officers Ms. Lorna Brannum Investor Relations Contact & Executive Secretary Ms. Kimberly A. Capps Executive Vice President & Chief Operating Officer Ms. Jane Butler Vice President, Financial Reporting Officer & Principal Accounting Officer Mr. Charles R. Love CPA Independent Director & Secretary Mr. Stefan Chkautovich Executive Vice President, Chief Financial Officer & Principal Financial Officer Mr. Richard A. Windes Executive Vice President & Chief Lending Officer Mr. Daniel L. Jones Market Chairman, Executive Vice President & Director Mr. Mark E. Hecker Executive Vice President & Chief Credit Officer Mr. Greg A. Steffens Chairman & Chief Executive Officer Mr. Matthew T. Funke President & Chief Administrative Officer