logo
Twitter
Discord
Email
logo
Southern Missouri Bancorp, Inc.

Southern Missouri Bancorp, Inc.

NASDAQ•SMBC
CEO: Mr. Greg A. Steffens
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1994-04-12
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, saving accounts, certificates of deposit, retirement savings plans, and money market deposit accounts. It also provides loans, such as residential mortgage, commercial real estate, construction, and commercial business loans; and consumer loans comprising home equity, direct and indirect automobile loans, second mortgages, mobile home loans, and loans secured by deposits. In addition, the company offers fiduciary and investment management services; commercial and consumer insurance; online and mobile banking services; and debit or credit cards. The company was founded in 1887 and is headquartered in Poplar Bluff, Missouri.
Contact Information
2991 Oak Grove Road, Poplar Bluff, MO, 63901, United States
573-778-1800
www.bankwithsouthern.com
Market Cap
$656.82M
P/E (TTM)
10.7
14.5
Dividend Yield
1.6%
52W High
$66.81
52W Low
$45.10
52W Range
61%
Rank52Top 60.9%
3.3
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.3 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q1 2026 Data

Revenue

$79.60M+6.78%
4-Quarter Trend

EPS

$1.39+26.36%
4-Quarter Trend

FCF

$15.40M+79.87%
4-Quarter Trend

2026 Q1 Earnings Highlights

Key Highlights

Net Income Growth Strong Net income surged 25.6% to $15.7M for the quarter, driven by strong net interest income expansion and lower noninterest expenses.
Net Interest Margin Expansion NIM improved 23 basis points to 3.57% year-over-year, benefiting from higher asset yields offsetting lower funding costs.
Loan Portfolio Growth Net loans increased $90.7M (2.2%) sequentially to $4.14B, primarily in real estate segments, supporting asset growth to $5.04B.
Capital Ratios Stable Consolidated Total Capital ratio held steady at 13.94% and Tier 1 ratio at 12.51%, maintaining well-capitalized status.

Risk Factors

Credit Quality Deterioration Provision for credit losses doubled year-over-year to $4.5M; NPL ratio rose to 0.63% from 0.57% sequentially.
Noninterest Income Decline Noninterest income fell 8.4% ($601K) due to lower loan fee recognition refinement and reduced realized gains on loan sales.
Interest Rate Sensitivity Exposure NPV analysis shows significant downside risk (18% drop) under a 400 bp rate increase scenario, highlighting rate exposure.
Loan Modification Activity $603K in payment delays occurred during the quarter, indicating emerging stress in specific loan segments requiring monitoring.

Outlook

NIM Outlook Positive Yield curve shows a 56 bp positive slope; management expects continued NIM expansion if rates remain stable or decline slightly.
Asset Growth Strategy Company plans continued asset growth via loan origination and securities purchases, funded primarily by retail deposits.
Expense Management Focus Noninterest expense expected to benefit from ongoing refinement of ASC 310-20 fee recognition impacting compensation costs.
Liquidity Remains Sufficient Liquidity remains adequate, supported by strong deposit base and access to FHLB advances ($102M outstanding).

Peer Comparison

Revenue (TTM)

Alerus Financial CorporationALRS
$392.24M
+40.7%
Third Coast Bancshares, Inc.TCBX
$359.08M
+9.0%
Shore Bancshares, Inc.SHBI
$339.15M
+6.0%

Gross Margin (Latest Quarter)

Southern Missouri Bancorp, Inc.SMBC
0.0%
+0.0pp
California BanCorp.BCAL
0.0%
+0.0pp
Heritage Commerce CorpHTBK
0.0%
+0.0pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
HTBK$696.42M16.18.3%707.1%
SMBC$656.82M10.711.5%0.0%
BCAL$639.09M10.211.8%1.3%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
1.4%
Moderate Growth
4Q Net Income CAGR
2.2%
Profitability Slowly Improving
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Reports
All Years

  • Form 10-Q - Q1 2026

    Period End: Sep 30, 2025|Filed: Nov 7, 2025|
    Revenue: $79.60M+6.8%
    |
    EPS: $1.39+26.4%
    Beat

  • Form 10-K - FY 2025

    Period End: Jun 30, 2025|Filed: Sep 11, 2025|
    Revenue: $305.25M+11.7%
    |
    EPS: $5.19+17.4%
    Beat

  • Form 10-Q - Q3 2025

    Period End: Mar 31, 2025|Filed: May 12, 2025|
    Revenue: $76.55M+10.0%
    |
    EPS: $1.39+39.0%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Dec 31, 2024|Filed: Feb 10, 2025|
    Revenue: $76.29M+13.5%
    |
    EPS: $1.30+20.4%
    Beat

  • Form 10-Q - Q1 2025

    Period End: Sep 30, 2024|Filed: Nov 12, 2024|
    Revenue: $74.55M+16.6%
    |
    EPS: $1.10-5.2%
    Meet

  • Form 10-K - FY 2024

    Period End: Jun 30, 2024|Filed: Sep 13, 2024|
    Revenue: $273.22M+34.8%
    |
    EPS: $4.42+14.5%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Mar 31, 2024|Filed: May 10, 2024|
    Revenue: $69.61M+27.6%
    |
    EPS: $1.00+354.5%
    Meet

  • Form 10-Q - Q2 2024

    Period End: Dec 31, 2023|Filed: Feb 9, 2024|
    Revenue: $67.22M+51.7%
    |
    EPS: $1.08-14.3%
    Miss