SMBC Financial Services

Southern Missouri Bancorp, Inc.

$71.49-1.07%

Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 787.3M USD
Full-time employees: 711

Overall health

Strength: growing faster than most peersgrowing faster than peers
About average: profitability and valuation

Ranks #227 of 791 banks & insurance companies (top 29%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Nothing unusual stands out. Its strongest area is growth (64/100).
None of our checks flag anything unusual in Southern Missouri Bancorp's latest figures; its strongest area is growth, at 64 out of 100.

StockQuotient Score

60/ 100

Oct 5 60 → Nov 4 60

Valuation

Is the price right?

57/100

Moderate

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why

Helped by:

▲ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield75.0%

SEC filings · latest balance sheetReported value40% base weight · Z-score -0.16Sector median: 0.7950 · MAD: 0.2843

Earnings yield9.1%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score 0.49Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield9.7%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

64/100

Moderate

1/1 inputs reported · High confidence

Since last quarter: No major change

Why

Stronger than most peers on:

▲ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth25.7%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score 0.55Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth9.5%

Yahoo Finance fallback · SEC figure unavailable or out of date · 3 fiscal years to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth9.9%

Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

59/100

Moderate

2/2 inputs reported · High confidence

Since last quarter: No major change

Why

Helped by:

▲ ROA

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets1.4%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 0.32Sector median: 0.0117 · MAD: 0.0062

Return on equity12.2%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 0.37Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Southern Missouri Bancorp

Is Southern Missouri Bancorp getting weaker?: Its latest SEC filing (Sep 21, 2026) showed no major changes. Its overall score is unchanged at 60/100 since Oct 28, 2026.
How is Southern Missouri Bancorp valued vs its peers?: Priced about in line with its peers. Valuation scores 57/100 against 950 banks & insurance peers. Earnings yield 9.1% vs a peer median of 7.9% (stronger than 64% of peers).Earnings yield 9.1% vs peers 7.9% (stronger than 64% of peers).
Is Southern Missouri Bancorp growing?: Yes, faster than most of its peers. Growth scores 64/100 against 950 banks & insurance peers. Earnings per share growth 25.7% vs a peer median of 16.0% (stronger than 64% of peers).Earnings per share growth 25.7% vs peers 16.0% (stronger than 64% of peers).
How profitable is Southern Missouri Bancorp?: About as profitable as its peers. Profitability scores 59/100 against 950 banks & insurance peers. Return on assets 1.4% vs a peer median of 1.2% (stronger than 62% of peers).Return on assets 1.4% vs peers 1.2% (stronger than 62% of peers).
How risky is Southern Missouri Bancorp?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Sep 21, 2026 · compared with the quarter ended Mar 31, 2026

No major changes

	Previous quarter	Latest quarter	Change
Net income (12 months)	67.3M USD	71.8M USD	+6.7%
Free cash flow (12 months)	89.9M USD	76.6M USD	−14.9%
Cash	93.0M USD	91.0M USD	−2.2%
Shares outstanding	11.0M	11.0M	−0.0%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY Jun 2022	FY Jun 2023	FY Jun 2024	FY Jun 2025	FY Jun 2026	Change
Return on assets (ROA)	1.5%	0.9%	1.1%	1.2%	1.4%	▲ 0.2 pts
Return on equity (ROE)	14.7%	8.8%	10.3%	10.8%	12.2%	▲ 1.4 pts

SMBC price history

Price history is added with the daily price update and will appear after the next one.

Similar companies

Sector leaderboards

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Bringing the fundamentals into focus…

Overall health

Strength: growing faster than most peersgrowing faster than peers

About average: profitability and valuation

Ranks #227 of 791 banks & insurance companies (top 29%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Questions investors ask about Southern Missouri Bancorp

Is Southern Missouri Bancorp getting weaker?

Its latest SEC filing (Sep 21, 2026) showed no major changes. Its overall score is unchanged at 60/100 since Oct 28, 2026.

How is Southern Missouri Bancorp valued vs its peers?

Priced about in line with its peers. Valuation scores 57/100 against 950 banks & insurance peers. Earnings yield 9.1% vs a peer median of 7.9% (stronger than 64% of peers).Earnings yield 9.1% vs peers 7.9% (stronger than 64% of peers).

Is Southern Missouri Bancorp growing?

Yes, faster than most of its peers. Growth scores 64/100 against 950 banks & insurance peers. Earnings per share growth 25.7% vs a peer median of 16.0% (stronger than 64% of peers).Earnings per share growth 25.7% vs peers 16.0% (stronger than 64% of peers).

How profitable is Southern Missouri Bancorp?

About as profitable as its peers. Profitability scores 59/100 against 950 banks & insurance peers. Return on assets 1.4% vs a peer median of 1.2% (stronger than 62% of peers).Return on assets 1.4% vs peers 1.2% (stronger than 62% of peers).

How risky is Southern Missouri Bancorp?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Net income (12 months)

67.3M USD

71.8M USD

+6.7%

Free cash flow (12 months)

89.9M USD

76.6M USD

−14.9%

Cash

93.0M USD

91.0M USD

−2.2%

Shares outstanding

11.0M

11.0M

−0.0%

Key ratios

FY Jun 2022

FY Jun 2023

FY Jun 2024

FY Jun 2025

FY Jun 2026

Change

Return on assets (ROA)

1.5%

0.9%

1.1%

1.2%

1.4%

▲ 0.2 pts

Return on equity (ROE)

14.7%

8.8%

10.3%

10.8%

12.2%

▲ 1.4 pts