Southern Missouri Bancorp, Inc.

NASDAQ•SMBC

執行長: Mr. Greg A. Steffens

板塊: Financial Services

行業: Banks - Regional

上市日期: 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.

聯絡資訊

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

573-778-1800

www.bankwithsouthern.com

市值

$704.27M

本益比 (TTM)

10.8

14.1

股息率

1.5%

52周最高

$66.56

52周最低

$45.10

52周範圍

85%

排名36Top 31.8%

4.5

F-Score

改良版 Piotroski 分析

基於 10 年期基本面

一般 • 4.5 / 9 分

評分區間 (0-9)

8-9: 價值優異

6-7: 基本面強勁

4-5: 整體穩健

0-3: 表現疲弱

資料區間: 2016-2025

財務儀表板

Q2 2026 數據

營業收入

$79.01M+3.56%

近4季度走勢

每股收益

$1.62+24.62%

近4季度走勢

自由現金流

$20.15M+0.00%

近4季度走勢

2026 Q2 財報亮點

核心亮點

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.

關注風險

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.

未來展望

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.

同行對比

營業收入 (TTM)

CUBI

$1.41B

+3.9%

CAC

$367.34M

+26.8%

TCBX

$366.95M

+8.5%

毛利率 (最新季度)

THFF

96.6%

+26.3pp

FCBC

90.9%

+4.8pp

BCAL

83.9%

+0.0pp

關鍵指標

股票代碼	市值	本益比 (TTM)	股東權益報酬率 (TTM)	負債率
CUBI	$2.40B	10.7	11.2%	6.9%
MCBS	$825.79M	11.2	14.8%	11.3%
CAC	$799.57M	12.2	9.8%	9.2%

長期趨勢

近4季度

營業收入

淨利

營運現金流

4季度營業收入複合增長率

1.1%

溫和增長

4季度淨利複合增長率

5.1%

盈利能力逐步提升

現金流穩定性

100%

現金流表現優異

深度研究

下次財報:2026年4月20日

每股收益:$1.55

營業收入:$49.98M

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