Southern Missouri Bancorp, Inc.

NASDAQ•SMBC

CEO: Mr. Greg A. Steffens

セクター: Financial Services

業種: Banks - Regional

上場日: 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.

連絡先情報

2991 Oak Grove Road, Poplar Bluff, MO, 63901, United States

573-778-1800

www.bankwithsouthern.com

時価総額

$679.49M

PER (TTM)

10.5

14.6

配当利回り

1.6%

52週高値

$66.56

52週安値

$45.10

52週レンジ

75%

順位36Top 31.8%

4.5

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

堅調 • 4.5 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q2 2026 データ

売上高

$79.01M+3.56%

直近4四半期の推移

EPS

$1.62+24.62%

直近4四半期の推移

フリーCF

$20.15M+0.00%

直近4四半期の推移

2026 Q2 決算ハイライト

主なハイライト

Strong Net Income Growth Net income rose 24.7% to $33.8M for six months ended December 31, 2025, driven by robust net interest income expansion.

Net Interest Margin Expansion NIM increased 23 basis points to 3.57% for the six months, benefiting from lower funding costs and higher asset yields.

Solid Loan Portfolio Growth Net loans grew 3.0% to $4.17B since June 30, 2025, led by increases in 1-4 family and commercial real estate lending.

Strong Capital Ratios Maintained Consolidated Common Equity Tier 1 ratio stood at 12.12% as of December 31, 2025, significantly exceeding the 4.50% regulatory minimum.

リスク要因

Increased Credit Loss Provision Provision for Credit Losses doubled year-over-year to $6.18M for six months, reflecting higher expected credit loss estimates.

Rising Nonperforming Loans Nonperforming loans increased to $29.7M (0.71% of net loans) compared to $23.0M (0.57%) at June 30, 2025.

Interest Rate Risk Exposure Sensitivity analysis shows significant NPV decline under severe rate increases, though current curve steepening is favorable.

Managing Real Estate Concentration Closely monitoring non-owner occupied CRE concentration (39.4% of gross loans) and real estate values for potential credit impact.

見通し

NIM Outlook Favorable Management expects net interest spread to expand if the yield curve remains steep, benefiting from lower short-term funding costs.

Asset Quality Monitoring ACL adequacy remains key focus amid economic uncertainty; management continues disciplined credit review and quarterly allowance adjustments.

Deposit Growth Strategy Focus remains on growing non-maturity deposits to fund asset growth, partially offsetting reliance on brokered deposits and FHLB advances.

Regulatory Adaptation Ongoing Company is evaluating impact of adopting new accounting pronouncements, including ASU 2023-09 and ASU 2025-08.

同業比較

売上高 (TTM)

CUBI

$1.41B

+3.9%

CAC

$367.34M

+26.8%

TCBX

$366.95M

+8.5%

粗利益率 (最新四半期)

THFF

96.6%

+26.3pp

FCBC

90.9%

+4.8pp

BCAL

83.9%

+0.0pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
CUBI	$2.28B	10.2	11.2%	6.9%
MCBS	$811.81M	11.0	14.8%	11.3%
CAC	$768.44M	11.7	9.8%	9.2%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

1.1%

緩やかな成長

4四半期純利益CAGR

5.1%

収益性の着実な向上

キャッシュフロー安定性

100%

優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月20日

EPS:$1.55

売上高:$49.98M

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし