SMBC
Southern Missouri Bancorp, Inc.
SMBC's fundamentals are strong: its operating margin rose 3 points to 45% and earnings per share grew 24%. At 10x earnings, it's trading right at its usual valuation. Analysts expect earnings growth.
SMBC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
SMBC's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like SMBC.
SMBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.1x | $61.53 | -13% |
| Current | 10x | $70.94 | — |
| Fair | 11x | $71.38 | +0.6% |
| Forward | 11x | $70.94 | — |
| Expensive | 12x | $81.29 | +15% |
Historical ranges are pointers, not guarantees.
SMBC's PE is in its fair range at 10x. On analysts' estimates for next year's earnings, today's price would be 11x.
SMBC Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect SMBC's earnings to grow and its profitability to improve, with its revenue holding steady.
SMBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.69 | -1.3% |
| Q3 2026 | $6.78 | +24% |
| Q2 2026 | $6.43 | +24% |
| Q1 2026 | $5.99 | +20% |
| Q4 2025 | $5.78 | +26% |
| Q3 2025 | $5.46 | +26% |
| Q2 2025 | $5.18 | +17% |
| Q1 2025 | $4.98 | +8.5% |
| Q4 2024 | $4.58 | +20% |
SMBC's earnings per share have climbed steadily: $6.78 over the past year, up 24% from the year before, and higher year over year for 11 quarters in a row.
SMBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $53.1M | +8.4% |
| Q2 2026 | $51.8M | +8.7% |
| Q1 2026 | $50.2M | +8.9% |
| Q4 2025 | $49.6M | +10% |
| Q3 2025 | $49M | +12% |
| Q2 2025 | $47.6M | +11% |
| Q1 2025 | $46.1M | +15% |
| Q4 2024 | $45M | +12% |
SMBC's revenue has grown year over year for nine quarters in a row: $53M last quarter, up 8.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 44% | +4.7 points |
| Q2 2026 | 44% | +4.3 points |
| Q1 2026 | 44% | +0.7 points |
| Q4 2025 | 46% | +3.1 points |
| Q3 2025 | 40% | +3.6 points |
| Q2 2025 | 40% | +0.6 points |
| Q1 2025 | 43% | +7.7 points |
| Q4 2024 | 43% | +4.4 points |
SMBC's operating margin was 44% last quarter, up 4.7 points from the same quarter a year ago.
SMBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $19.6M | +27% |
| Q2 2026 | $12.5M | -52% |
| Q1 2026 | $28.5M | +26% |
| Q4 2025 | $20.2M | +11% |
| Q3 2025 | $15.4M | +80% |
| Q2 2025 | $25.8M | +94% |
| Q1 2025 | $22.7M | +16% |
| Q4 2024 | $18.2M | +17% |
SMBC's free cash flow was $81M over the past year, down 1.6% from the year before. Free cash flow isn't a meaningful measure for financial services companies like SMBC.
SMBC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.1% | -119K shares |
| 1 year | -2.3% | -260K shares |
| 3 years | -2.5% | -286K shares |
| 5 years | +24% | +2.1M shares |
| Available history | +20% | +1.8M shares |
SMBC has 11M diluted shares, down 2.3% from a year ago.
| Quarter | Spent |
|---|---|
| Q1 2020 | — |
SMBC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.4x | Very low |
| Q2 2026 | 10.1x | High |
| Q1 2026 | 0.4x | Very low |
| Q4 2025 | -0.1x | Net Cash |
| Q3 2025 | 0.0x | Very low |
| Q2 2025 | 8.2x | High |
| Q1 2025 | -1.2x | Net Cash |
| Q4 2024 | -0.2x | Net Cash |
SMBC's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like SMBC.
SMBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 48.9 | Neutral |
| Stochastic | 21.8 | Neutral |
SMBC's weekly RSI is 49 (neutral) and its Stochastic is 22 (neutral).
SMBC PE vs Financial Services Sector
| Metric | SMBC | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 20% below |
| PE % | 47 | 63 | 16 pts below |
SMBC is trading at 10x earnings, a 20% discount to the Financial Services sector's median of 13x.
SMBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $71.1 | 0.3% below |
| 20 week MA | $73.7 | 3.7% below |
| 50 week MA | $68.5 | 3.6% above |
| 100 week MA | $61.5 | 15% above |
| 200 week MA | $53.8 | 32% above |
SMBC has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 32% above its 200-week average.
SMBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $38.2 | $31.3 | -18% |
| 2021 | $31.3 | $50.4 | +61% |
| 2022 | $50.4 | $46.0 | -8.8% |
| 2023 | $46.0 | $53.4 | +16% |
| 2024 | $53.4 | $57.8 | +8.3% |
| 2025 | $57.8 | $60.4 | +4.4% |
| 2026 YTD | $60.4 | $70.9 | +18% |
SMBC has finished higher in four of the last six years. It's up 18% so far in 2026.