Symbols / SMBC Stock $67.92 -0.15% Southern Missouri Bancorp, Inc.

Financial Services • Banks - Regional • United States • NGM
SMBC (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Greg A. Steffens
Exch · Country NGM · United States
Market Cap 748.18M
Enterprise Value 809.95M
Income 67.05M
Sales 185.73M
FCF (ttm) —
Book/sh 50.92
Cash/sh 8.52
Employees 696
Insider 10d —
IPO Apr 12, 1994
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 16.39%
P/E 11.40
Forward P/E 10.06
PEG 1.07
P/S 4.03
P/B 1.33
P/C —
EV/EBITDA —
EV/Sales 4.36
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 5.96
EPS next Y 6.75
EPS Growth 15.20%
Revenue Growth 6.50%
EPS Gr Q/Q 13.30%
Rev Gr Q/Q —
Earnings (next) 2026-07-22
Earnings (prior) 2026-04-22
ROA 1.33%
ROE 12.22%
ROIC —
Gross Margin 0.00%
Oper. Margin 48.28%
Profit Margin 36.26%
Shs Outstand 11.02M
Shs Float 9.28M
Insider Own 14.53%
Instit Own 57.13%
Short Float 1.93%
Short Ratio 1.64
Short Interest 179.53K
52W High 70.10
vs 52W High -3.11%
52W Low 47.60
vs 52W Low 42.69%
Beta 0.89
Impl. Vol. —
Rel Volume 0.76
Avg Volume 83.28K
Volume 63.12K
Target (mean) $73.33
Tgt Median $73.00
Tgt Low $71.00
Tgt High $76.00
# Analysts 3
Recom None
Prev Close $68.02
Price $67.92
Change -0.15%
About

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 deposits products, including interest-bearing and noninterest-bearing transaction accounts, money market deposit accounts, saving accounts, certificates of deposit, and retirement savings plans. It also provides loans secured by mortgages on one- to four-family residences and commercial and agricultural real estate; construction loans on residential and commercial properties; commercial and agricultural business loans; and consumer loans. In addition, the company offers fiduciary and investment management services; commercial and consumer insurance products; and debit or credit cards. The company was founded in 1887 and is headquartered in Poplar Bluff, Missouri.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$73.33
Mean price target
2. Current target
$67.92
Latest analyst target
3. DCF / Fair value
$89.40
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$67.92
Low
$71.00
High
$76.00
Mean
$73.33

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-27 main Piper Sandler Neutral → Neutral $71
2026-04-24 main Stephens & Co. Overweight → Overweight $76
2026-04-09 main Keefe, Bruyette & Woods Market Perform → Market Perform $65
2026-01-27 main Keefe, Bruyette & Woods Market Perform → Market Perform $64
2026-01-26 main Piper Sandler Neutral → Neutral $68
2026-01-23 main Stephens & Co. Overweight → Overweight $73
2025-10-29 main Keefe, Bruyette & Woods Market Perform → Market Perform $63
2025-10-27 main Piper Sandler Neutral → Neutral $61
2025-07-25 main Keefe, Bruyette & Woods Market Perform → Market Perform $63
2025-04-22 reit Stephens & Co. Overweight → Overweight $65
2025-01-30 main Keefe, Bruyette & Woods Market Perform → Market Perform $68
2025-01-28 reit Stephens & Co. Overweight → Overweight $76
2024-10-30 main Stephens & Co. Overweight → Overweight $72
2024-10-30 main Piper Sandler Overweight → Overweight $66
2024-05-01 reit Keefe, Bruyette & Woods Market Perform → Market Perform $51
2023-07-26 main Keefe, Bruyette & Woods Market Perform → Market Perform $50
2023-04-06 main Keefe, Bruyette & Woods — → Market Perform $51
2020-07-29 main Piper Sandler — → Overweight $29
2018-05-18 init Keefe, Bruyette & Woods — → Market Perform —
News
RSS: Latest SMBC news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-06 BAGBY L DOUGLAS Director — 580 $68.90 $39,964
2026-05-01 WINDES RICHARD Officer — 2,000 $34.35 $68,700
2026-03-04 LOVE CHARLES R. Director — 580 $64.00 $37,120
2026-02-24 BROOKS REBECCA MCLANE J Director — 400 $0.00 $0
2026-02-24 LOVE CHARLES R. Director — 400 $0.00 $0
2026-02-24 ROBISON DENNIS C Director — 400 $0.00 $0
2026-02-24 TOOLEY DAVID J Director — 400 $0.00 $0
2026-02-24 BAGBY L DOUGLAS Director — 400 $0.00 $0
2026-02-24 STEFFENS GREG ALAN Chief Executive Officer — 600 $0.00 $0
2026-02-24 HECKER MARK E Officer — 600 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total Revenue
182.60
+11.12%
164.33
+7.44%
152.95
+22.58%
124.77
Operating Revenue
182.60
+11.12%
164.33
+7.44%
152.95
+22.58%
124.77
Selling General And Administration
60.16
+4.03%
57.84
+15.35%
50.14
+32.46%
37.85
Selling And Marketing Expense
2.07
-2.31%
2.12
+19.58%
1.77
+18.45%
1.50
General And Administrative Expense
58.09
+4.27%
55.72
+15.20%
48.37
+33.04%
36.35
Salaries And Wages
55.76
+4.70%
53.25
+13.56%
46.90
+31.69%
35.61
Other Gand A
—
—
—
8.09
Reconciled Depreciation
10.02
-0.69%
10.09
+33.56%
7.56
+27.61%
5.92
Net Income
58.58
+16.73%
50.18
+27.89%
39.24
-16.82%
47.17
Pretax Income
73.99
+17.25%
63.11
+27.59%
49.46
-17.43%
59.90
Net Interest Income
154.62
+10.85%
139.48
+10.05%
126.75
+22.38%
103.57
Interest Expense
122.75
+12.73%
108.89
+119.23%
49.67
+273.47%
13.30
Interest Income
277.37
+11.67%
248.38
+40.79%
176.42
+50.95%
116.87
Gain On Sale Of Security
0.05
+103.22%
-1.49
0.00
0.00
Tax Provision
15.42
+19.25%
12.93
+26.42%
10.23
-19.70%
12.73
Tax Rate For Calcs
0.00
+1.70%
0.00
-3.83%
0.00
+2.90%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
58.58
+16.73%
50.18
+27.89%
39.24
-16.82%
47.17
Net Income From Continuing Operation Net Minority Interest
58.58
+16.73%
50.18
+27.89%
39.24
-16.82%
47.17
Net Income From Continuing And Discontinued Operation
58.58
+16.73%
50.18
+27.89%
39.24
-16.82%
47.17
Net Income Continuous Operations
58.58
+16.73%
50.18
+27.89%
39.24
-16.82%
47.17
Normalized Income
58.58
+16.73%
50.18
+27.89%
39.24
-16.82%
47.17
Net Income Common Stockholders
58.31
+16.80%
49.92
+27.87%
39.05
-16.88%
46.97
Otherunder Preferred Stock Dividend
0.26
+2.72%
0.26
+33.85%
0.19
-1.54%
0.20
Diluted EPS
—
4.41
+14.55%
3.85
-26.23%
5.22
Basic EPS
5.19
+17.31%
4.42
+14.63%
3.86
-26.09%
5.22
Basic Average Shares
11.23
-0.47%
11.29
-0.38%
11.33
+25.98%
8.99
Diluted Average Shares
11.25
-0.40%
11.30
-0.28%
11.33
+25.76%
9.01
Diluted NI Availto Com Stockholders
58.31
+16.80%
49.92
+27.87%
39.05
-16.88%
46.97
Amortization
3.54
-13.04%
4.07
+54.61%
2.63
+82.72%
1.44
Amortization Of Intangibles Income Statement
3.54
-13.04%
4.07
+54.61%
2.63
+82.72%
1.44
Depreciation Amortization Depletion Income Statement
3.54
-13.04%
4.07
+54.61%
2.63
+82.72%
1.44
Depreciation And Amortization In Income Statement
3.54
-13.04%
4.07
+54.61%
2.63
+82.72%
1.44
Insurance And Claims
2.33
-5.20%
2.46
+67.55%
1.47
+97.85%
0.74
Occupancy And Equipment
14.89
+3.35%
14.40
+28.39%
11.22
+21.32%
9.25
Other Non Interest Expense
19.90
+1.65%
19.57
+6.48%
18.38
+36.39%
13.48
Professional Expense And Contract Services Expense
3.60
+107.68%
1.73
-57.27%
4.05
+197.43%
1.36
Line Item Trend 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total Assets
5,019.61
+9.02%
4,604.32
+5.60%
4,360.21
+35.63%
3,214.78
Cash And Cash Equivalents
193.10
+214.53%
61.40
+11.18%
55.22
-39.69%
91.56
Cash Financial
—
—
—
86.79
Other Short Term Investments
460.84
+7.70%
427.90
+2.48%
417.55
+77.39%
235.39
Receivables
26.02
+9.20%
23.83
+26.26%
18.87
+70.75%
11.05
Accounts Receivable
26.02
+9.20%
23.83
+26.26%
18.87
+70.75%
11.05
Prepaid Assets
—
—
—
23.38
Net PPE
95.98
+0.03%
95.95
+3.85%
92.40
+29.50%
71.35
Gross PPE
140.15
+3.57%
135.31
+5.56%
128.18
+24.19%
103.21
Accumulated Depreciation
-44.16
-12.21%
-39.36
-10.00%
-35.78
-12.29%
-31.86
Land And Improvements
15.39
+0.07%
15.38
-0.25%
15.41
+13.92%
13.53
Buildings And Improvements
85.51
+1.23%
84.47
+6.04%
79.66
+23.07%
64.73
Machinery Furniture Equipment
29.39
+5.52%
27.85
+5.48%
26.40
+26.71%
20.84
Construction In Progress
2.75
+232.21%
0.83
+84.22%
0.45
+216.90%
0.14
Other Properties
7.11
+4.84%
6.78
+8.55%
6.25
+57.39%
3.97
Goodwill And Other Intangible Assets
73.72
-4.55%
77.23
-4.94%
81.25
+129.10%
35.46
Goodwill
50.73
+0.00%
50.73
-0.09%
50.77
+86.06%
27.29
Other Intangible Assets
22.99
-13.25%
26.50
-13.02%
30.47
+272.75%
8.18
Investments And Advances
460.84
+7.70%
427.90
+2.48%
417.55
+77.39%
235.39
Total Liabilities Net Minority Interest
4,474.91
+8.73%
4,115.57
+5.15%
3,914.15
+35.25%
2,894.01
Payables And Accrued Expenses
14.19
+10.24%
12.87
+172.45%
4.72
+489.64%
0.80
Payables
14.19
+10.24%
12.87
+172.45%
4.72
+489.64%
0.80
Accounts Payable
14.19
+10.24%
12.87
+172.45%
4.72
+489.64%
0.80
Long Term Debt And Capital Lease Obligation
127.26
+1.64%
125.21
-20.06%
156.62
+156.70%
61.01
Long Term Debt
127.26
+1.64%
125.21
-20.06%
156.62
+156.70%
61.01
Stockholders Equity
544.69
+11.45%
488.75
+9.57%
446.06
+39.06%
320.77
Common Stock Equity
544.69
+11.45%
488.75
+9.57%
446.06
+39.06%
320.77
Capital Stock
0.12
+0.00%
0.12
+0.84%
0.12
+21.43%
0.10
Common Stock
0.12
+0.00%
0.12
+0.84%
0.12
+21.43%
0.10
Share Issued
11.98
+0.18%
11.96
+0.34%
11.92
+21.43%
9.82
Ordinary Shares Number
11.30
+0.19%
11.28
-0.47%
11.33
+22.80%
9.23
Treasury Shares Number
0.68
+0.00%
0.68
+15.76%
0.59
+0.00%
0.59
Additional Paid In Capital
221.35
+0.76%
219.68
+0.65%
218.26
+83.16%
119.16
Retained Earnings
359.58
+15.48%
311.38
+15.02%
270.72
+12.75%
240.12
Gains Losses Not Affecting Retained Earnings
-11.38
+34.82%
-17.45
+20.39%
-21.93
-25.38%
-17.49
Treasury Stock
24.97
+0.00%
24.97
+18.27%
21.12
+0.00%
21.12
Other Equity Adjustments
-11.38
+34.82%
-17.45
+20.39%
-21.93
-25.38%
-17.49
Total Equity Gross Minority Interest
544.69
+11.45%
488.75
+9.57%
446.06
+39.06%
320.77
Total Capitalization
671.95
+9.45%
613.95
+1.87%
602.68
+57.86%
381.78
Invested Capital
671.95
+9.45%
613.95
+1.87%
602.68
+57.86%
381.78
Total Debt
127.26
+1.64%
125.21
-20.06%
156.62
+156.70%
61.01
Net Debt
—
63.81
-37.07%
101.40
—
Net Tangible Assets
470.97
+14.45%
411.52
+12.80%
364.81
+27.87%
285.31
Tangible Book Value
470.97
+14.45%
411.52
+12.80%
364.81
+27.87%
285.31
Cash Cash Equivalents And Federal Funds Sold
193.10
+214.53%
61.40
+11.18%
55.22
-39.69%
91.56
Line Item Trend 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Operating Cash Flow
81.56
+16.07%
70.27
+13.29%
62.02
-7.90%
67.34
Cash Flow From Continuing Operating Activities
81.56
+16.07%
70.27
+13.29%
62.02
-7.90%
67.34
Net Income From Continuing Operations
58.58
+16.73%
50.18
+27.89%
39.24
-16.82%
47.17
Depreciation Amortization Depletion
10.02
-0.69%
10.09
+33.56%
7.56
+27.61%
5.92
Depreciation
6.48
+7.66%
6.02
+22.30%
4.92
+9.89%
4.48
Amortization Cash Flow
3.54
-13.04%
4.07
+54.61%
2.63
+82.72%
1.44
Depreciation And Amortization
10.02
-0.69%
10.09
+33.56%
7.56
+27.61%
5.92
Amortization Of Intangibles
3.54
-13.04%
4.07
+54.61%
2.63
+82.72%
1.44
Other Non Cash Items
-5.06
+27.44%
-6.97
-34.97%
-5.17
-379.85%
-1.08
Stock Based Compensation
1.67
+62.00%
1.03
+22.65%
0.84
+20.37%
0.70
Operating Gains Losses
-0.73
-193.56%
0.78
+158.83%
-1.32
+17.30%
-1.59
Gain Loss On Investment Securities
-0.05
-103.22%
1.49
0.00
0.00
Gain Loss On Sale Of PPE
0.07
0.00
+100.00%
-0.44
-14900.00%
0.00
Change In Working Capital
12.06
-2.75%
12.41
+307.96%
3.04
-77.54%
13.54
Change In Receivables
-2.19
+55.76%
-4.96
+8.24%
-5.40
-1281.07%
-0.39
Changes In Account Receivables
-2.19
+55.76%
-4.96
+8.24%
-5.40
-1281.07%
-0.39
Change In Prepaid Assets
6.68
-25.28%
8.94
+64.12%
5.45
-43.71%
9.68
Change In Payables And Accrued Expense
7.54
-5.86%
8.00
+101.82%
3.97
-18.55%
4.87
Change In Payable
7.54
-5.86%
8.00
+101.82%
3.97
-18.55%
4.87
Change In Account Payable
7.54
-5.86%
8.00
+101.82%
3.97
-18.55%
4.87
Investing Cash Flow
-285.11
-16.02%
-245.74
-15.15%
-213.41
+29.78%
-303.93
Cash Flow From Continuing Investing Activities
-285.11
-16.02%
-245.74
-15.15%
-213.41
+29.78%
-303.93
Net PPE Purchase And Sale
-6.26
+30.66%
-9.03
-290.15%
-2.31
+37.25%
-3.69
Purchase Of PPE
-6.26
+30.77%
-9.05
-49.81%
-6.04
-30.80%
-4.62
Sale Of PPE
0.00
-100.00%
0.01
-99.60%
3.72
+301.29%
0.93
Capital Expenditure
-6.26
+30.77%
-9.05
-49.81%
-6.04
-30.80%
-4.62
Net Investment Purchase And Sale
-27.53
-110.27%
-13.09
-145.59%
28.72
+142.18%
-68.09
Purchase Of Investment
-96.22
-9.77%
-87.66
+38.86%
-143.37
-32.06%
-108.56
Sale Of Investment
68.69
-7.87%
74.56
-56.67%
172.08
+325.17%
40.47
Net Business Purchase And Sale
0.00
0.00
-100.00%
208.34
+327.21%
48.77
Purchase Of Business
—
—
—
—
Net Other Investing Changes
3.36
-17.76%
4.09
+289.08%
-2.16
-202.27%
2.11
Financing Cash Flow
335.51
+83.95%
182.39
+53.85%
118.55
-40.67%
199.80
Cash Flow From Continuing Financing Activities
335.51
+83.95%
182.39
+53.85%
118.55
-40.67%
199.80
Net Issuance Payments Of Debt
1.95
+106.17%
-31.55
-133.06%
95.45
+425.76%
-29.30
Issuance Of Debt
260.00
-14.25%
303.20
-84.16%
1,913.83
0.00
Repayment Of Debt
-258.05
+22.91%
-334.75
+81.59%
-1,818.38
-6106.08%
-29.30
Long Term Debt Issuance
260.00
-14.25%
303.20
-84.16%
1,913.83
0.00
Long Term Debt Payments
-258.05
+22.91%
-334.75
+81.59%
-1,818.38
-6106.08%
-29.30
Net Long Term Debt Issuance
1.95
+106.17%
-31.55
-133.06%
95.45
+425.76%
-29.30
Net Common Stock Issuance
0.00
+100.00%
-3.86
0.00
+100.00%
-5.84
Common Stock Payments
0.00
+100.00%
-3.86
0.00
+100.00%
-5.84
Common Stock Dividend Paid
-10.38
-8.94%
-9.53
-10.36%
-8.63
-19.99%
-7.19
Cash Dividends Paid
-10.38
-8.94%
-9.53
-10.36%
-8.63
-19.99%
-7.19
Repurchase Of Capital Stock
0.00
+100.00%
-3.86
0.00
+100.00%
-5.84
Proceeds From Stock Option Exercised
0.00
-100.00%
0.39
0.00
0.00
Changes In Cash
131.96
+1805.49%
6.92
+121.09%
-32.83
+10.75%
-36.78
Beginning Cash Position
60.90
+12.83%
53.98
-37.82%
86.81
-29.76%
123.59
End Cash Position
192.86
+216.66%
60.90
+12.83%
53.98
-37.82%
86.81
Free Cash Flow
75.29
+22.99%
61.22
+9.35%
55.98
-10.75%
62.73
Interest Paid Supplemental Data
8.15
+5.74%
7.71
+36.41%
5.65
+174.62%
2.06
Income Tax Paid Supplemental Data
7.53
+227.68%
2.30
-46.64%
4.31
+1093.07%
0.36
Common Stock Issuance
0.00
-100.00%
0.00
0.00
0.00
Issuance Of Capital Stock
0.00
-100.00%
0.00
0.00
0.00
Sale Of Business
0.00
0.00
-100.00%
208.34
+327.21%
48.77
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

Trades
Date User Broker Pattern Type Position Size Entry Price Trade P&L Status
Posts
Published Title Author Category