Zacks Investment Research·Jun 26, 2026
What Makes Southern Missouri Bancorp (SMBC) a Strong Momentum Stock: Buy Now?Does Southern Missouri Bancorp (SMBC) have what it takes to be a top stock pick for momentum investors? Let's find out.
Southern Missouri Bancorp, Inc.(SMBC)Earnings, Financials & Key Ratios
SMBC•NASDAQ•Banking & Credit
$77.78
15.0× P/E·Price updated Jul 2, 2026
AboutSouthern 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 business banking, business financing, and business services. It also provides personal banking services, which include online and mobile banking, checking and savings, mortgage and refinance, and loans and credit services. In addition, the company offers investing and insurance services. Further, it provides accounts and digital banking services; and debit or credit cards. As of June 30, 2021, the company operated 46 full-service branch offices, and two limited-service branch offices located in Poplar Bluff, Van Buren, Dexter, Kennett, Doniphan, Sikeston, Qulin, Matthews, Springfield, Thayer, West Plains, Alton, Clever, Forsyth, Fremont Hills, Kimberling City, Ozark, Nixa, Rogersville, Marshfield, Cape Girardeau, Jackson, Gideon, Chaffee, Benton, Advance, Bloomfield, Essex, and Rolla, Missouri; Jonesboro, Paragould, Batesville, Searcy, Bald Knob, Bradford, and Cabot, Arkansas; and Anna, Cairo, and Tamms, Illinois. Southern Missouri Bancorp, Inc. was founded in 1887 and is headquartered in Poplar Bluff, Missouri.Show more
- Net Interest Income$155M+10.8%
- Total Revenue$305M+11.7%
- Net Income$58M+16.2%
- Return on Equity11.29%+5.1%
- Net Interest Margin3.08%+1.7%
- Efficiency Ratio33.44%-6.4%
- ROA1.21%+8.2%
- Equity / Assets10.85%+2.2%
- Book Value per Share48.35+11.8%
SMBC Price & Volume
Southern Missouri Bancorp, Inc. (SMBC) stock price & volume — 10-year historical chart
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Regional Expansion Drives Consistent Net Interest Growth
Investment Thesis • Updated 2026Q3
VerdictPositive
Growth:Expanding
Profitability:Strong
Financial:Healthy
Cash Flow:Robust
Primary Risk:Agricultural credit concentration
Key Thesis Takeaways
- Southern Missouri Bancorp demonstrates a disciplined growth trajectory, evidenced by net interest income expansion from $34.5 million in 2024Q3 to $43.2 million in 2026Q3.
- While the bank maintains a stable 0.8% net interest margin and improves operational efficiency, investors should monitor the structural concentration of assets in securities rather than traditional loans.
- The firm's proactive capital allocation, highlighted by a $9.8 million share repurchase in 2026Q3, suggests management confidence, though credit provisioning volatility warrants continued oversight of the agricultural loan portfolio.
Verdict Logic
the bank's ability to grow net interest income by 25.2% over the last two years while maintaining a 0.8% net interest margin suggests a resilient business model capable of sustaining long-term shareholder value.
SMBC Growth Metrics
Southern Missouri Bancorp, Inc. (SMBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years17.1%
5 Years20.17%
3 Years30.27%
TTM-
Profit CAGR
10 Years15.61%
5 Years16.18%
3 Years7.33%
TTM19.72%
EPS CAGR
10 Years11.21%
5 Years11.62%
3 Years-0.19%
TTM20.28%
Return on Capital
10 Years11.3%
5 Years12.52%
3 Years10.18%
Last Year10.98%
SMBC Recent Earnings
Southern Missouri Bancorp, Inc. (SMBC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (80%)●Beat Revenue 4/12 qtrs (44%)
Q2 2026Latest
Apr 22, 2026Metric
Actual
Est
EPS
$1.60+3.2%
$1.55
Rev
$50M+0.8%
$50M
Q1 2026
Jan 21, 2026Metric
Actual
Est
EPS
$1.62+3.8%
$1.56
Rev
$50M-0.6%
$50M
Q4 2025
Oct 22, 2025Metric
Actual
Est
EPS
$1.42+8.4%
$1.31
Rev
$49M-1.9%
$50M
Q4 2025
Sep 11, 2025Metric
Actual
Est
EPS
$1.40
—
Rev
$78M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $1.60vs $1.55+3.2% | $50Mvs $50M+0.8% |
| Q1 2026 | Jan 21, 2026 | $1.62vs $1.56+3.8% | $50Mvs $50M-0.6% |
| Q4 2025 | Oct 22, 2025 | $1.42vs $1.31+8.4% | $49Mvs $50M-1.9% |
| Q4 2025 | Sep 11, 2025 | $1.40 | $78M |
Based on last 12 quarters of dataView full earnings history →
Latest SMBC News
Recent stock market news and headlines for Southern Missouri Bancorp, Inc. (SMBC)
Peers Comparison
Key metrics vs top competitors for Southern Missouri Bancorp, Inc. (SMBC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $77.78 | $856.8M | 15.02 | 11.72% | 19.1% | 11.29% | 1.18% | |
| $35.45 | $5.08B | 20.03 | 11.71% | 31.14% | 14.2% | — | |
| $36.70 | $756.25M | 11.22 | -0.3% | 22.54% | 14.15% | — | |
| $50.25 | $2.61B | 15.09 | 10.36% | 19.66% | 9.83% | — | |
| $23.11 | $3.14B | 15.20 | -2.33% | 32.4% | 9.16% | — | |
| $23.22 | $3.37B | -7.87 | -56.66% | -63.53% | -10.51% | — |
Compare SMBC vs Peers
Southern Missouri Bancorp, Inc. (SMBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
SMBC SEC Filings & Documents
Southern Missouri Bancorp, Inc. (SMBC) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
May 5, 2026·SEC
Material company update
Apr 23, 2026·SEC
Material company update
Feb 10, 2026·SEC
10-K Annual Reports
310-Q Quarterly Reports
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SMBC Frequently Asked Questions
Southern Missouri Bancorp, Inc. (SMBC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Southern Missouri Bancorp, Inc. growing?
Southern Missouri Bancorp, Inc. (SMBC) grew revenue by 11.7% over the past year. This is steady growth.
Is SMBC profitable?
Yes, Southern Missouri Bancorp, Inc. (SMBC) is profitable, generating $67.3M in net income for fiscal year 2025 (19.1% net margin).
Dividend & Returns
Does SMBC pay dividends?
Yes, Southern Missouri Bancorp, Inc. (SMBC) pays a dividend with a yield of 1.18%. This makes it attractive for income-focused investors.
What is SMBC's return on equity?
Southern Missouri Bancorp, Inc. (SMBC) has a return on equity (ROE) of 11.3%. This is reasonable for most industries.
Industry Metrics
What is Southern Missouri Bancorp, Inc.'s net interest margin?
Southern Missouri Bancorp, Inc. (SMBC) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
What is Southern Missouri Bancorp, Inc.'s efficiency ratio?
Southern Missouri Bancorp, Inc. (SMBC) has an efficiency ratio of 33.4%. This is excellent, indicating strong cost control.