Start here if you're new
what it is
It is a regional bank that takes your deposits and turns them into mortgages, business loans, and everyday banking services.
how it gets paid
Last year Southern Mo. Bancorp made $277M in revenue.
why it's growing
Revenue grew 292.7% last year. Latest-quarter revenue rose 101% vs. prior year to $145 million.
what just happened
Southern Missouri Bancorp printed $3.00 in EPS on $145 million of quarterly revenue, with profit up far faster than the stock's 10.7x valuation suggests.
At a glance
B+ balance sheet — decent shape, but not bulletproof
75/100 earnings predictability — reasonably predictable
10.7x trailing p/e — the market's not buying it — or you found a deal
1.6% dividend yield — cash in your pocket every quarter
$5.18 fy2025 eps est
xvary composite: 73/100 — average
What they do
It is a regional bank that takes your deposits and turns them into mortgages, business loans, and everyday banking services.
Your checking account, mortgage, and business loan can sit in the same place, and leaving that setup is a hassle. That matters because the bank carries just $23 million of long-term debt, only 3% of capital, which is plain English for a balance sheet that is not leaning on borrowed money. With 696 employees serving local customers, this wins through relationships, not national ad budgets.
How they make money
$277M
annual revenue · their business grew +292.7% last year
total revenue
$277M
+292.7%
The products that matter
mortgage lending
1–4 family residential loans
$200M of last year's loan growth
this category led the bank's $200M loan growth last year. if you want to know where balance-sheet demand showed up, start here.
growth driver
business lending
commercial & industrial loans
part of a $5.8B loan portfolio
these loans sit inside the $5.8B earning-asset base that feeds net interest income. they matter because they tie SMBC to local business demand, not just housing turnover.
earning assets
retail and commercial banking
southern bank
$135M cash on hand
the branch network gathers deposits and supports liquidity. that $135M cash balance is a buffer. it is also money earning less than loans do.
funding base
Key numbers
10.7x
trailing p/e
You are paying 10.7 times trailing earnings, which is cheap for a bank that still grew trailing revenue to $277 million.
$23M
long-term debt
Long-term debt is just $23 million, or 3% of capital, which means the balance sheet is carrying less leverage than many banks.
$5.18
fy2025 eps est
The fiscal 2025 earnings estimate gives you the market's current profit baseline for judging whether this stock is actually cheap.
1.6%
dividend yield
The dividend is not huge, but you are getting paid while waiting for a rerating.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 1 — safer than 95% of stocks
- price stability 65 / 100
- long-term debt $23M (3% of capital)
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for SMBC right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Southern Missouri Bancorp printed $3.00 in EPS on $145 million of quarterly revenue, with profit up far faster than the stock's 10.7x valuation suggests.
Latest-quarter revenue rose 101% vs. prior year to $145 million, while EPS rose 85% to $3.00. Management also said profitability improved because provision for credit losses fell and the earning asset base got larger.
$145M
revenue
$3.00
eps
+101%
revenue growth
the number that mattered
$3.00 in quarterly EPS matters most because it is more than half of the $5.18 full-year fiscal 2025 estimate in one quarter.
source: company earnings report, 2026
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What could go wrong
SMBC's main risk is unusually specific: the bank got bigger, margin improved, and analysts still expect revenue to shrink 5% in fy2026. If the top line keeps slipping anyway, the "cheap bank" argument starts sounding less like an opportunity and more like a diagnosis.
med
forecast 5% revenue decline
analysts expect revenue to fall 5% in fy2026 even after the bank added $200M of loans last year.
If the top line shrinks while the stock trades at 10.7x earnings, the multiple stops looking cheap and starts looking fair.
med
citizens bancshares integration
the citizens bancshares combination adds moving parts, and small banks do not get many messy quarters before investors lose patience.
If costs stick around or customer retention slips, the bigger earning-asset base will not translate cleanly into better earnings.
med
margin gives back the recent gain
net interest margin improved to 3.57% from 3.47% last quarter. that's good. it also means recent optimism leans on a number that can reverse.
Because 72% of revenue comes from spread income, even a modest setback would hit the core earnings engine fast.
med
local markets matter more than you think
this is a regional lender concentrated in missouri and nearby markets. there is no national diversification hiding in the footnotes.
If local housing, small-business activity, or credit quality weakens, the pressure runs straight through a $5.8B loan portfolio.
what would change our mind: another revenue miss paired with net interest margin falling back below 3.47%. that would mean the recent earnings support was temporary, not the start of a better run rate.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings
q3 fy2026 report
the estimated report date is april 20, 2026. you want to see if the EPS beat repeats with cleaner revenue support.
core metric
net interest margin
3.57% is the live read. if it slips back toward 3.47%, the best part of the quarter fades fast.
integration
citizens bancshares follow-through
watch for signs the merger is adding cost or distracting management. small-bank deals work only when the cleanup happens quickly.
loan trend
whether loan growth reaches the income statement
the bank added $200M of loans last year. the next test is simple: does revenue follow, or does the 5% decline forecast win anyway.
Analyst rankings
earnings predictability
75 / 100
in human-speak, analysts see a fairly steady small bank. not a rocket ship. not a permanent mess either.
risk rank
1
that puts SMBC in the safer bucket relative to most stocks. the catch is that safer does not mean faster-growing.
source: institutional data
Institutional activity
institutional ownership data for SMBC is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$62
current price
n/a
target midpoint · n/a from current
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