Southern Missouri Bancorp, Inc.
- Open
- 73.25
- Day high
- 74.08
- Day low
- 73.02
- Prev close
- 73.59
- Volume
- 3K
- Mkt cap
- $808M
- P/E (TTM)
- 11.4
- EPS (TTM)
- $6.45
- P/B
- 1.4
- P/S
- 2.6
- Yield
- 1.05%
- Per share
- $0.77
- ▼Insiders net selling -$342K over the last 3 months (0 open-market buys, 4 sales)
- 🏛Institutions accumulating (13F)
Southern Missouri Bancorp, Inc. (SMBC) is a Financial Services company listed on NASDAQ. The stock is up 29% over the past year. Over the trailing 3 months, insiders filed 0 open-market buys and 4 sales (SEC Form 4).
Southern Missouri Bancorp, Inc. (SMBC) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 3 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
SMBC earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Jul 23, 2026 | $1.52 | $1.83 | +20.4% | $52M | +1.2% |
| Apr 23, 2026 | $1.55 | $1.60 | +3.2% | $50M | +0.8% |
| Jan 21, 2026 | $1.56 | $1.62 | +3.8% | $50M | -0.6% |
| Oct 22, 2025 | $1.31 | $1.42 | +8.4% | $49M | -1.9% |
| Jan 27, 2025 | $1.28 | $1.30 | +1.6% | $45M | -0.7% |
| Jan 29, 2024 | $1.12 | $1.07 | -4.5% | $40M | -2.5% |
| Sep 13, 2023 | — | $1.38 | — | $63M | — |
| May 1, 2023 | $1.17 | $0.95 | -18.8% | $40M | -3.1% |
| Jan 30, 2023 | $1.34 | $1.26 | -6.0% | $34M | -2.4% |
| Sep 13, 2022 | — | $1.41 | — | $38M | — |
| Jan 24, 2022 | $1.21 | $1.35 | +11.6% | $30M | +7.1% |
| Sep 13, 2021 | — | $1.54 | — | $32M | — |
SMBC insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Aug 20, 2026 | HECKER MARK Eofficer: EVP-CHIEF CREDIT OFFICER | Sell | 900 | $75.61 |
| Aug 20, 2026 | HECKER MARK Eofficer: EVP-CHIEF CREDIT OFFICER | Sell | 1,600 | $75.49 |
| Aug 20, 2026 | HECKER MARK Eofficer: EVP-CHIEF CREDIT OFFICER | Sell | 185 | $75.51 |
| Jul 31, 2026 | HECKER MARK Eofficer: EVP-CHIEF CREDIT OFFICER | Option | 2,000 | $37.31 |
| Jun 9, 2026 | Windes Richardofficer: EVP-CHIEF LENDING OFFICER | Sell | 2,000 | $69.70 |
| May 29, 2026 | Windes Richardofficer: EVP-CHIEF LENDING OFFICER | Option | 2,000 | $37.40 |
| May 22, 2026 | Windes Richardofficer: EVP-CHIEF LENDING OFFICER | Sell | 2,000 | $68.47 |
| May 8, 2026 | BAGBY DOUGLASdirector | Sell | 580 | $68.90 |
| May 5, 2026 | Windes Richardofficer: EVP-CHIEF LENDING OFFICER | Option | 2,000 | $34.35 |
| Mar 4, 2026 | Love Charles Rdirector | Sell | 580 | $64.00 |
| Feb 26, 2026 | Tooley David Jdirector | Grant | 400 | — |
| Feb 26, 2026 | Robison Dennis Cdirector | Grant | 400 | — |
| Feb 26, 2026 | Cox Justinofficer: EVP-REGIONAL PRESIDENT | Grant | 2,000 | $62.96 |
| Feb 26, 2026 | HECKER MARK Eofficer: EVP-CHIEF CREDIT OFFICER | Grant | 1,500 | $62.96 |
| Feb 26, 2026 | Cox Justinofficer: EVP-REGIONAL PRESIDENT | Grant | 750 | — |
Source: SMBC SEC Form 4 filings, latest Aug 20, 2026. For informational purposes only — not investment advice.
See the full SMBC insider & 13F page →Southern Missouri Bancorp, Inc. company profile
Overview
Southern Missouri Bancorp, Inc. (NASDAQ:SMBC) is a regional bank holding company founded in 1887 and headquartered in Poplar Bluff, Missouri. The company operates through its subsidiary Southern Bank, providing traditional banking and financial services across rural and small metropolitan markets in Missouri, Arkansas, and Illinois. With nearly 140 years of history, SMBC has grown through both organic expansion and strategic acquisitions, including the 2023 merger with Citizens Bancshares and the 2022 acquisition of Fortune Financial Corporation. The bank currently operates 48 branch locations serving communities throughout its three-state footprint.
Business
Southern Missouri Bancorp operates as a traditional community bank serving individuals, small businesses, and agricultural customers across rural Missouri, Arkansas, and Illinois. The banking industry involves accepting customer deposits and lending those funds to borrowers at higher interest rates, generating profit from the net interest margin - the difference between what banks pay depositors and what they charge borrowers. The company's core services include commercial banking for businesses, offering checking accounts, loans, and cash management services. For individual customers, SMBC provides personal banking services including checking and savings accounts, mortgages, personal loans, and credit cards. The bank also offers digital banking platforms enabling online and mobile account access, along with wealth management services including investment and insurance products. A significant portion of SMBC's business involves agricultural lending, reflecting its rural market focus. Agricultural loans comprise approximately 10.5% of the total loan portfolio, including both agricultural real estate financing ($233 million) and production/equipment loans ($176 million). This specialization serves farmers throughout the bank's geographic footprint who require seasonal financing for crop production and equipment purchases. The bank's loan portfolio is diversified across commercial real estate (both owner-occupied and investment properties), commercial and industrial loans, residential mortgages, and consumer lending. Commercial real estate represents the largest segment, with the bank maintaining concentration levels around 306% of Tier 1 capital, within regulatory guidelines but requiring careful risk management.
Revenue model
Southern Missouri Bancorp generates revenue primarily through net interest income - the fundamental banking business model of borrowing money from depositors at low rates and lending it at higher rates. The bank pays depositors interest on savings accounts, checking accounts, and certificates of deposit, then lends those funds to borrowers for mortgages, business loans, and other credit products at higher interest rates. The bank's customers include individual consumers seeking mortgages and personal loans, small and medium-sized businesses requiring working capital and equipment financing, commercial real estate investors, and agricultural producers needing seasonal and equipment financing. Recent financial results show net interest income of approximately $67 million quarterly, representing the core earnings engine. Non-interest income provides additional revenue through service fees, loan origination fees, wealth management commissions, and other banking services. However, this represents a smaller portion of total revenue compared to net interest income. Several factors significantly impact the bank's profitability margins. Interest rate environment changes affect both funding costs and loan yields - when rates rise, the bank benefits from higher loan rates but faces increased deposit competition. Credit quality directly impacts profitability through loan loss provisions and charge-offs. Agricultural commodity prices influence the creditworthiness of farming customers, as lower crop prices reduce farmers' ability to repay loans. Local economic conditions in the bank's rural markets affect loan demand and credit performance. Regulatory compliance costs and deposit competition from larger banks and fintech companies can pressure margins. The bank's commercial real estate concentration creates exposure to property market cycles and regulatory scrutiny.
Competitive moat
Southern Missouri Bancorp operates with a moderate competitive moat based on local market relationships and geographic specialization, though this moat faces increasing challenges. The bank's primary competitive advantage lies in its deep community relationships built over 137 years of operation in rural Missouri, Arkansas, and Illinois markets. Local business owners and farmers often prefer working with community bankers who understand their specific needs and can make lending decisions locally rather than through distant corporate headquarters. The bank's agricultural lending expertise provides specialized knowledge that larger national banks may lack, including understanding of crop cycles, commodity markets, and seasonal cash flow patterns unique to farming operations. This specialization creates customer loyalty and reduces direct competition in agricultural markets. However, this moat is not particularly strong or durable. Geographic limitations constrain growth opportunities, as the bank operates primarily in slower-growing rural markets. Fintech disruption increasingly threatens traditional banking relationships, as digital-first competitors offer convenient services without requiring physical branch visits. Larger regional and national banks can compete aggressively on pricing and offer more sophisticated products and technology platforms. The bank's commercial real estate concentration at 306% of Tier 1 capital creates vulnerability during economic downturns or property market corrections. Agricultural exposure subjects the bank to commodity price volatility and weather-related risks beyond management's control. Deposit competition from money market funds and online banks offering higher rates can pressure funding costs and customer retention. Overall, while SMBC benefits from local market presence and relationship banking, these advantages are gradually eroding due to technological change and increasing competition from both larger institutions and digital alternatives.
Risks & safety
Southern Missouri Bancorp demonstrates solid financial stability with manageable risk levels, though some areas warrant monitoring. **Liquidity and Solvency:** - Strong cash position: $146 million in cash and short-term investments - Healthy current ratio of 422.47, indicating excellent short-term liquidity - Debt-to-equity ratio of 25.4%, representing conservative leverage - No significant solvency concerns with total equity of $512 million **Valuation Metrics:** - Price-to-earnings ratio: 11.1x (reasonable for regional banks) - Price-to-book ratio: 1.27x (modest premium to book value) - Return on equity: 2.9% (below historical norms, indicating earnings pressure) - Tangible book value growing steadily **Other Considerations:** - Credit quality remains strong with non-performing loans at only 0.17% of gross loans - Agricultural exposure creates earnings volatility from commodity price fluctuations - Commercial real estate concentration at 306% of Tier 1 capital approaches regulatory comfort zones - Net interest margin pressure from competitive deposit environment - Positive free cash flow generation of $18 million quarterly
Recent development
Over the past few years, Southern Missouri Bancorp has pursued several strategic initiatives to enhance growth and operational efficiency. The company completed significant merger and acquisition activity, including the 2023 merger with Citizens Bancshares and the 2022 acquisition of Fortune Financial Corporation, which expanded the bank's geographic footprint and customer base substantially. The bank has launched a comprehensive performance improvement initiative focusing on internal audit, compliance, and risk management systems. This organizational review aims to improve operational efficiency and customer experience while positioning the bank for sustainable growth. Management expects this initiative to pay for itself within one year through improved processes and cost management. Geographic expansion efforts have intensified, with the bank actively recruiting community bankers and exploring opportunities in larger metropolitan markets including Kansas City and St. Louis. This strategy represents a shift from purely rural market focus toward capturing growth in small metropolitan areas while maintaining the community banking approach. The bank has enhanced its digital banking capabilities and expanded financial services offerings beyond traditional banking, including wealth management and insurance services. These initiatives aim to deepen customer relationships and generate additional fee income streams. Management has been actively exploring merger and acquisition opportunities in target markets including St. Louis, Kansas City, Northwest Arkansas, Little Rock, and Memphis. While no immediate transactions are pending, preliminary conversations suggest potential future consolidation activity that could accelerate growth and market expansion. Agricultural lending specialization has been refined with closer monitoring of commodity markets and proactive management of potential credit challenges as farmers face declining commodity prices and higher input costs.
SMBC company profile · for informational purposes only — not investment advice.
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