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Southern Missouri Bancorp, Inc.

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
$717.15M
PER (TTM)
11.0
15
配当利回り
1.5%
52週高値
$66.56
52週安値
$45.10
52週レンジ
91%
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)

Customers Bancorp, Inc.CUBI
$1.41B
+3.9%
Camden National CorporationCAC
$367.34M
+26.8%
Third Coast Bancshares, Inc.TCBX
$366.95M
+8.5%

粗利益率 (最新四半期)

First Financial CorporationTHFF
96.6%
+26.3pp
First Community Bankshares, Inc.FCBC
90.9%
+4.8pp
California BanCorp.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$2.49B11.111.2%6.9%
CAC$847.63M12.99.8%8.3%
MCBS$837.17M11.314.8%11.3%

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
財務レポート
財務データ
全年度

  • Form 10-Q - Q2 2026

    会計期末: 2025年12月31日|提出日: 2026年2月6日|
    売上高: $79.01M+3.6%
    |
    EPS: $1.62+24.6%
    予想を上回る

  • Form 10-Q - Q1 2026

    会計期末: 2025年9月30日|提出日: 2025年11月7日|
    売上高: $79.60M+6.8%
    |
    EPS: $1.39+26.4%
    予想を上回る

  • Form 10-K - FY 2025

    会計期末: 2025年6月30日|提出日: 2025年9月11日|
    売上高: $305.25M+11.7%
    |
    EPS: $5.19+17.4%
    予想を上回る

  • Form 10-Q - Q3 2025

    会計期末: 2025年3月31日|提出日: 2025年5月12日|
    売上高: $76.55M+10.0%
    |
    EPS: $1.39+39.0%
    予想を上回る

  • Form 10-Q - Q2 2025

    会計期末: 2024年12月31日|提出日: 2025年2月10日|
    売上高: $76.29M+13.5%
    |
    EPS: $1.30+20.4%
    予想を上回る

  • Form 10-Q - Q1 2025

    会計期末: 2024年9月30日|提出日: 2024年11月12日|
    売上高: $74.55M+16.6%
    |
    EPS: $1.10-5.2%
    予想通り

  • Form 10-K - FY 2024

    会計期末: 2024年6月30日|提出日: 2024年9月13日|
    売上高: $273.22M+34.8%
    |
    EPS: $4.42+14.5%
    予想通り

  • Form 10-Q - Q3 2024

    会計期末: 2024年3月31日|提出日: 2024年5月10日|
    売上高: $69.61M+27.6%
    |
    EPS: $1.00+354.5%
    予想通り