SMBC
Bearish signalScored 2026-09-14 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
Southern Missouri Bancorp, Inc.
- Nom
- Southern Missouri Bancorp, Inc.
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $791.9M
- Employés
- 725
- PDG
- Greg A. Steffens
- Site web
- https://www.bankwithsouthern.com
- Marché
- CBANEBMTFCBCFVCBGSBCHWBK
Southern Missouri Bancorp, Inc., established in 1887 and headquartered in Poplar Bluff, Missouri, functions as the parent company for Southern Bank. Through its subsidiary, it delivers a comprehensive suite of banking and financial solutions to both individual consumers and businesses across the United States. The company's offerings encompass a wide range of personal banking services, including checking and savings accounts, online and mobile banking, mortgages, refinancing options, and various loans and credit facilities. For corporate clients, it provides business banking, financing, and a variety of supporting business services. Additionally, Southern Missouri Bancorp extends its financial product portfolio to include investment and insurance services, digital banking, and debit and credit cards. As of June 30, 2021, the institution maintained a significant physical presence with 46 full-service and two limited-service branch locations. These branches are strategically distributed throughout numerous towns in Missouri (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), Arkansas (Jonesboro, Paragould, Batesville, Searcy, Bald Knob, Bradford, and Cabot), and Illinois (Anna, Cairo, and Tamms).
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 15 600 titres (~1 137 064,65 $ US)
- Insiders
- Hensley Todd E.
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$380,398
Avg sell (VWAP, 90d window) $73.46 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-09-09
- Last synced
-
2026-09-15 09:49:47
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-09 | Hensley Todd E. | Sell · S | 429 | $73.29 | $31,441 | Form 4 |
| 2026-09-08 | Hensley Todd E. | Sell · S | 4,749 | $73.48 | $348,957 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Bearish signalScored 2026-09-14 Drivers: fundamentals. Moteurs : fondamentaux.
The 0-100 score behind this signal and the full written analysis are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.12 · operating margin 28% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 59.7% | 57.7% | 58.8% | 67.1% | 89.3% | |
| Ebit Margin | 27.5% | 24.2% | 23.1% | 24.4% | 43.4% | |
| Ebitda Margin | 27.5% | 27.5% | 26.8% | 28.1% | 47.7% | |
| Operating Profit Margin | 27.5% | 24.2% | 23.1% | 24.4% | 43.4% | |
| Pretax Profit Margin | 27.5% | 24.2% | 23.1% | 24.4% | 43.4% | |
| Continuous Operations Profit Margin | 22.7% | 19.2% | 18.4% | 19.4% | 34.2% | |
| Net Profit Margin | 22.7% | 19.1% | 18.4% | 19.4% | 34.2% | |
| Bottom Line Profit Margin | 22.6% | 19.1% | 18.3% | 19.3% | 34.0% | |
| Current Ratio | 0.123 | 1.091 | 0.129 | 0.132 | 0.128 | |
| Quick Ratio | 0.123 | 1.091 | 0.129 | 0.132 | 0.128 | |
| Solvency Ratio | 0.015 | 0.015 | 0.015 | 0.012 | 0.018 | |
| Cash Ratio | 0.021 | 0.045 | 0.015 | 0.015 | 0.033 | |
| Price To Earnings Ratio | 11.816 | 10.555 | 10.038 | 9.961 | 8.687 | |
| Price To Earnings Growth Ratio | 0.487 | 0.606 | 0.692 | -0.384 | -45.347 | |
| Forward Price To Earnings Growth Ratio | 0.487 | 0.606 | 0.692 | -0.384 | -45.347 | |
| Price To Earnings Diluted Ratio | 11.852 | 10.575 | 10.038 | 9.987 | 8.687 | |
| Price To Earnings Diluted Growth Ratio | 0.491 | 0.615 | 0.678 | -0.383 | -45.347 | |
| Price To Book Ratio | 1.431 | 1.131 | 1.025 | 0.977 | 1.271 | |
| Price To Sales Ratio | 2.670 | 2.018 | 1.834 | 2.150 | 2.954 | |
| Price To Free Cash Flow Ratio | 26.168 | 8.181 | 8.185 | 7.781 | 6.502 | |
| Price To Operating Cash Flow Ratio | 26.168 | 7.552 | 7.131 | 7.024 | 6.056 | |
| Debt To Assets Ratio | 0.032 | 0.028 | 0.029 | 0.036 | 0.019 | |
| Debt To Equity Ratio | 0.281 | 0.261 | 0.275 | 0.351 | 0.190 | |
| Debt To Capital Ratio | 0.220 | 0.207 | 0.216 | 0.260 | 0.160 | |
| Long Term Debt To Capital Ratio | 0.198 | 0.189 | 0.204 | 0.260 | 0.160 | |
| Financial Leverage Ratio | 8.863 | 9.215 | 9.421 | 9.775 | 10.022 | |
| Working Capital Turnover Ratio | -0.181 | -0.199 | -0.082 | -0.071 | -0.062 | |
| Operating Cash Flow Ratio | 0.007 | 0.019 | 0.018 | 0.017 | 0.024 | |
| Operating Cash Flow Sales Ratio | 0.102 | 0.267 | 0.257 | 0.306 | 0.488 | |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | 0.923 | 0.871 | 0.903 | 0.931 | |
| Debt Service Coverage Ratio | 0.528 | 0.498 | 0.510 | 0.942 | 3.992 | |
| Interest Coverage Ratio | 0.750 | 0.603 | 0.580 | 0.996 | 4.504 | |
| Short Term Operating Cash Flow Coverage Ratio | 1.615 | 5.437 | 7.477 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.194 | 0.573 | 0.522 | 0.396 | 1.104 | |
| Capital Expenditure Coverage Ratio | 0.000 | 13.022 | 7.767 | 10.270 | 14.586 | |
| Dividend Paid And Capex Coverage Ratio | 2.901 | 4.901 | 3.783 | 4.228 | 5.702 | |
| Dividend Payout Ratio | 0.155 | 0.178 | 0.190 | 0.220 | 0.153 | |
| Enterprise Value Multiple | 10.566 | 6.726 | 7.845 | 9.419 | 5.732 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 59.7% | ▲2.0% | ▼-6.8% |
| Ebit Margin | 27.5% | ▲3.3% | ▼-1.0% |
| Ebitda Margin | 27.5% | ▼-0.0% | ▼-4.0% |
| Operating Profit Margin | 27.5% | ▲3.3% | ▼-1.0% |
| Pretax Profit Margin | 27.5% | ▲3.3% | ▼-1.0% |
| Continuous Operations Profit Margin | 22.7% | ▲3.5% | ▼-0.1% |
| Net Profit Margin | 22.7% | ▲3.6% | ▼-0.0% |
| Bottom Line Profit Margin | 22.6% | ▲3.5% | ▼-0.1% |
| Current Ratio | 0.123 | ▼-0.968 | ▼-0.198 |
| Quick Ratio | 0.123 | ▼-0.968 | ▼-0.198 |
| Solvency Ratio | 0.015 | ▲0.000 | ▲0.000 |
| Cash Ratio | 0.021 | ▼-0.024 | ▼-0.005 |
| Price To Earnings Ratio | 11.816 | ▲1.261 | ▲1.604 |
| Price To Earnings Growth Ratio | 0.487 | ▼-0.119 | ▲9.276 |
| Forward Price To Earnings Growth Ratio | 0.487 | ▼-0.119 | ▲9.276 |
| Price To Earnings Diluted Ratio | 11.852 | ▲1.277 | ▲1.624 |
| Price To Earnings Diluted Growth Ratio | 0.491 | ▼-0.124 | ▲9.280 |
| Price To Book Ratio | 1.431 | ▲0.300 | ▲0.264 |
| Price To Sales Ratio | 2.670 | ▲0.652 | ▲0.345 |
| Price To Free Cash Flow Ratio | 26.168 | ▲17.987 | ▲14.805 |
| Price To Operating Cash Flow Ratio | 26.168 | ▲18.616 | ▲15.382 |
| Debt To Assets Ratio | 0.032 | ▲0.003 | ▲0.003 |
| Debt To Equity Ratio | 0.281 | ▲0.020 | ▲0.009 |
| Debt To Capital Ratio | 0.220 | ▲0.013 | ▲0.007 |
| Long Term Debt To Capital Ratio | 0.198 | ▲0.009 | ▼-0.004 |
| Financial Leverage Ratio | 8.863 | ▼-0.353 | ▼-0.597 |
| Working Capital Turnover Ratio | -0.181 | ▲0.018 | ▼-0.062 |
| Operating Cash Flow Ratio | 0.007 | ▼-0.012 | ▼-0.010 |
| Operating Cash Flow Sales Ratio | 0.102 | ▼-0.165 | ▼-0.182 |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | ▲0.077 | ▲0.074 |
| Debt Service Coverage Ratio | 0.528 | ▲0.030 | ▼-0.766 |
| Interest Coverage Ratio | 0.750 | ▲0.147 | ▼-0.736 |
| Short Term Operating Cash Flow Coverage Ratio | 1.615 | ▼-3.822 | ▼-1.291 |
| Operating Cash Flow Coverage Ratio | 0.194 | ▼-0.379 | ▼-0.363 |
| Capital Expenditure Coverage Ratio | 0.000 | ▼-13.022 | ▼-9.129 |
| Dividend Paid And Capex Coverage Ratio | 2.901 | ▼-2.000 | ▼-1.402 |
| Dividend Payout Ratio | 0.155 | ▼-0.023 | ▼-0.024 |
| Enterprise Value Multiple | 10.566 | ▲3.839 | ▲2.508 |
Key metrics
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|---|
| Market cap | $845.1M | $615.9M | $501.1M | $435.6M | $407.8M | |
| Enterprise value | $920.3M | $565.1M | $574.3M | $537.0M | $377.3M | |
| EV / Sales | 2.91x | 1.85x | 2.10x | 2.65x | 2.73x | |
| EV / Op. cash flow | 28.50x | 6.93x | 8.17x | 8.66x | 5.60x | |
| EV / Free cash flow | 28.50x | 7.51x | 9.38x | 9.59x | 6.01x | |
| EV / EBITDA | 10.57x | 6.73x | 7.84x | 9.42x | 5.73x | |
| Net debt / EBITDA | 0.86x | -0.60x | 1.00x | 1.78x | -0.46x | |
| Current ratio | 0.12x | 1.09x | 0.13x | 0.13x | 0.13x | |
| Income quality | 0.45x | 1.39x | 1.40x | 1.58x | 1.43x | |
| Graham number | $88 | $75 | $66 | $55 | $65 | |
| Graham net-net | -$370 | -$70 | -$320 | -$302 | -$284 | |
| Tax burden | 82.5% | 78.8% | 79.5% | 79.3% | 78.7% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$3.88B | $391.5M | -$3.45B | -$3.24B | -$2.45B | |
| Invested capital | -$3.72B | $561.2M | -$3.28B | -$3.06B | -$2.35B | |
| Return on assets | 1.4% | 1.2% | 1.1% | 0.9% | 1.5% | |
| Operating ROA | 1.7% | 1.5% | 1.4% | 1.3% | 2.0% | |
| Return on tangible assets | 1.4% | 1.2% | 1.1% | 0.9% | 1.5% | |
| Return on equity | 12.2% | 10.7% | 10.3% | 8.8% | 14.7% | |
| Return on invested capital | 8.7% | 10.2% | 7.7% | 6.2% | 11.8% | |
| Return on capital employed | 10.8% | 10.4% | 9.9% | 7.9% | 15.0% | |
| Earnings yield | 8.5% | 9.5% | 10.0% | 9.0% | 11.6% | |
| Free cash flow yield | 3.8% | 12.2% | 12.2% | 12.9% | 15.4% | |
| Capex / Op. cash flow | 0.0% | 7.7% | 12.9% | 9.7% | 6.9% | |
| Capex / Depreciation | 0.0% | 62.5% | 89.6% | 79.9% | 78.0% | |
| Capex / Sales | 0.0% | 2.1% | 3.3% | 3.0% | 3.3% | |
| SG&A / Sales | 22.2% | 19.7% | 21.2% | 24.7% | 27.4% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.0% | 0.5% | 0.4% | 0.4% | 0.5% | |
| Intangibles / Total assets | 1.3% | 1.5% | 1.7% | 1.9% | 1.1% | |
| Days sales outstanding | 0d | 4841d | 32d | 34d | 29d | |
| Days payables outstanding | 0d | 40d | 42d | 26d | 20d | |
| Operating cycle | 0d | 4841d | 32d | 34d | 29d | |
| Cash conversion cycle | 0d | 4800d | -10d | 8d | 9d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-08-27 Algert Global LLC Has $8.15 Million Holdings in Southern Missouri Bancorp, Inc. $SMBC Algert Global LLC cut its holdings in Southern Missouri Bancorp, Inc. (NASDAQ: SMBC) by 14.4% in the second quarter, according to the company in its most recent Form 13F filing with the SEC. The institutional investor owned 106,996 shares of the savings and loans company''s stock after selling 17,985 shares during the quarter.
- 2026-08-10 3 Savings & Loan Stocks Worth Picking on Improving Industry Prospects WSFS, PFS and SMBC within the Zacks Savings and Loan Industry will gain from improving loan demand. Digital upgrades will also improve operating efficiency.
- 2026-08-06 Southern Missouri Bancorp: Still Attractive Despite Premium To Tangible Book Value Southern Missouri Bancorp has grown tangible book value per share by more than $16 in four years, with shares up ~60% since 2022. Q2 results highlight strong net interest income growth, a low payout ratio (
- 2026-07-26 Southern Missouri Bancorp (NASDAQ:SMBC) Sets New 1-Year High – Here’s What Happened Shares of Southern Missouri Bancorp, Inc. (NASDAQ: SMBC - Get Free Report) hit a new 52-week high on Friday. The stock traded as high as $78.73 and last traded at $78.4840, with a volume of 9046 shares trading hands. The stock had previously closed at $77.72. Analyst Upgrades and Downgrades A number of research analysts
- 2026-07-23 Southern Missouri Bancorp, Inc. (SMBC) Q4 2026 Earnings Call Transcript Southern Missouri Bancorp, Inc. (SMBC) Q4 2026 Earnings Call Transcript
- 2026-07-23 Southern Missouri Bancorp Q4 Earnings Call Highlights Southern Missouri Bancorp NASDAQ: SMBC reported stronger quarterly and full-year earnings as net interest income improved, operating expenses declined and tax credit investments lowered its tax provision, executives said on the company''s fiscal fourth-quarter earnings call.
- 2026-07-22 Southern Missouri Bancorp (SMBC) Tops Q4 Earnings and Revenue Estimates Southern Missouri Bancorp (SMBC) came out with quarterly earnings of $1.83 per share, beating the Zacks Consensus Estimate of $1.65 per share. This compares to earnings of $1.39 per share a year ago.
- 2026-07-22 SOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR FOURTH QUARTER OF FISCAL 2026; DECLARES QUARTERLY DIVIDEND OF $0.27 PER COMMON SHARE; CONFERENCE CALL SCHEDULED FOR THURSDAY, JULY 23, AT 9:30 AM CENTRAL TIME Poplar Bluff, Missouri, July 22, 2026 (GLOBE NEWSWIRE) -- Southern Missouri Bancorp, Inc. (“Company”) (NASDAQ: SMBC), the parent corporation of Southern Bank (“Bank”), today announced preliminary net income for the fourth quarter of fiscal 2026 of $20.3 million, an increase of $4.5 million or 28.5%, as compared to the same period of the prior fiscal year. The increase was primarily attributable to higher net interest income, lower provision for income taxes, a decrease in noninterest expense, and an increase in noninterest income, partially offset by higher provision for credit losses (PCL). Preliminary net income was $1.83 per fully diluted common share for the fourth quarter of fiscal 2026, an increase of $0.44 as compared to the $1.39 per fully diluted common share reported for the same period of the prior fiscal year. For the full fiscal year 2026, preliminary net income was $71.8 million, an increase of $13.3 million, or 22.6%, when compared to fiscal year 2025, while diluted earnings per share for fiscal year 2026 were $6.43, an increase of $1.25, or 24.1%, as compared to fiscal year 2025.
- 2026-07-20 SMBC Aviation Capital Orders 100 Boeing 737 MAX Jets Agreement includes SMBC Aviation Capital''s first-ever 737-10 order 737-10 order is single largest by a lessor FARNBOROUGH, United Kingdom, July 20, 2026 /PRNewswire/ -- Boeing [NYSE: BA] and SMBC Aviation Capital today announced that the global aviation finance platform and lessor has ordered 100 737 MAX airplanes, including 60 737-10 and 40 737-8 jets. The 737-10 order represents SMBC Aviation Capital''s first purchase for the 737 MAX family''s highest capacity variant.
- 2026-07-16 Canal Road Group Secures Equity Commitment from SMBC to Support the CRG Direct Lending Strategy MIAMI, July 16, 2026 /PRNewswire/ -- Canal Road Group ("CRG") today announced an expansion of its strategic relationship with SMBC as the bank makes an equity commitment to CRG''s direct lending strategy that will unlock up to $225 million in additional investable capital. The commitment will increase CRG''s investment capacity to $2.3 billion, inclusive of financing, for its direct lending strategy.