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    Southern Missouri Bancorp Inc (SMBC)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $69.42
    -1.04 (-1.48%)

    Market Cap: $764.54M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    72%(28/39)
    Avg Surprise
    +8.09%
    Streak
    7 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$1.66
    Range$1.58 - $1.71
    6 analysts
    EPS Revisions
    2
    0
    7d
    2
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$1.65+0.9%
    60d ago$1.66+0.2%
    30d ago$1.64+1.2%
    7d ago$1.65+0.6%
    Current$1.66
    Revenue Consensus
    $53M
    Range$52M - $53M
    5 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.68
    Range$1.64 - $1.72
    5 analysts
    EPS Revisions
    2
    0
    7d
    2
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$1.69-0.7%
    60d ago$1.72-2.6%
    30d ago$1.73-2.7%
    7d ago$1.71-1.9%
    Current$1.68
    Revenue Consensus
    $53M
    Range$52M - $53M
    5 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.68---
    Sep 26EST
    		-$1.66---
    Jun 26
    Reported Jul 22
    		$1.83$1.65+10.91%Beat+31.7%
    Mar 26
    Reported Apr 22
    		$1.60$1.52+5.26%Beat+15.1%
    Dec 25
    Reported Jan 21
    		$1.62$1.54+5.19%Beat+24.6%
    Sep 25
    Reported Oct 22
    		$1.38$1.31+5.34%Beat+25.5%
    Jun 25
    Reported Jul 23
    		$1.39$1.25+11.20%Beat+16.8%
    Mar 25
    Reported Apr 21
    		$1.39$1.29+7.75%Beat+40.4%
    Dec 24
    Reported Jan 27
    		$1.30$1.24+4.84%Beat+21.5%
    Sep 24
    Reported Oct 28
    		$1.10$1.11-0.90%Miss-5.2%
    Jun 24
    Reported Jul 28
    		$1.19$1.00+19.00%Beat-13.1%
    Mar 24
    Reported Apr 29
    		$0.99$0.99+0.00%Beat+4.2%
    Dec 23
    Reported Jan 29
    		$1.07$1.12-4.46%Miss-15.1%
    Sep 23
    Reported Oct 23
    		$1.16$1.10+5.45%Beat+11.5%
    Jun 23
    Reported Jul 24
    		$1.37$1.04+31.73%Beat-2.8%
    Mar 23
    Reported May 1
    		$0.95$1.28-25.78%Miss-7.8%
    Dec 22
    Reported Jan 30
    		$1.26$1.34-5.97%Miss-6.7%
    Sep 22
    Reported Oct 24
    		$1.04$1.32-21.21%Miss-27.3%
    Jun 22
    Reported Jul 25
    		$1.41$1.32+6.82%Beat-7.8%
    Mar 22
    Reported Apr 25
    		$1.03$1.25-17.60%Miss-18.9%
    Dec 21
    Reported Jan 24
    		$1.35$1.21+11.57%Beat+7.1%
    Sep 21
    Reported Oct 25
    		$1.43$1.16+23.28%Beat+31.2%
    Jun 21
    Reported Jul 26
    		$1.53$1.08+41.67%Beat+77.9%
    Mar 21
    Reported Apr 26
    		$1.27$1.07+18.69%Beat+126.8%
    Dec 20
    Reported Jan 25
    		$1.26$0.89+41.57%Beat+44.8%
    Sep 20
    Reported Oct 26
    		$1.09$0.73+49.32%Beat+28.2%
    Jun 20
    Reported Sep 14
    		$0.86$0.52+65.38%Beat+6.2%
    Mar 20
    Reported Apr 29
    		$0.56$0.66-15.15%Miss-28.2%
    Dec 19
    Reported Jan 27
    		$0.87$0.81+7.41%Beat+10.1%
    Sep 19
    Reported Oct 21
    		$0.85$0.78+8.97%Beat+10.4%
    Jun 19
    Reported Sep 13
    		$0.81$0.78+3.85%Beat+28.6%
    Mar 19
    Reported Apr 22
    		$0.78$0.75+4.00%Beat+30.0%
    Dec 18
    Reported Jan 22
    		$0.79$0.70+12.86%Beat+23.4%
    Sep 18
    Reported Oct 22
    		$0.77$0.69+11.59%Beat+32.8%
    Jun 18
    Reported Sep 13
    		$0.63$0.60+5.00%Beat+10.5%
    Mar 18
    Reported Apr 23
    		$0.60$0.61-1.64%Miss+13.2%
    Dec 17
    Reported Jan 22
    		$0.64$0.68-5.88%Miss+14.3%
    Sep 17
    Reported Oct 23
    		$0.58$0.55+5.45%Beat-
    Jun 17
    Reported Sep 13
    		$0.57$0.59-3.39%Miss-
    Mar 17
    Reported Apr 24
    		$0.53$0.58-8.62%Miss-
    Dec 16
    Reported Jan 23
    		$0.56$0.55+1.82%Beat-

    Dividends

    Dividend Metrics

    Forward Yield1.56%
    Forward Annual Dividend$1.08
    Payout Ratio15.64%
    FrequencyQuarterly
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+5.39%
    5Y CAGR+9.86%
    SMBC dividend history and ex-dividend datesRun SMBC in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio10.80EV/EBITDA8.96x
    Price/FCF9.99xFCF Yield10.01%
    Profitability
    Profit Margin38.00%Operating Margin49.90%
    ROE12.70%ROIC9.49%
    Financial Health
    Debt/Equity0.28xInterest Coverage0.75x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.87Avg Volume84.55K
    52-Week High$79.5852-Week Low$46.86

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$71.06
    SMA 20$71.48
    SMA 50$73.55
    SMA 200$68.63
    EMA 10$70.84
    EMA 20$71.51
    EMA 50$72.65
    EMA 200$68.72

    MACD

    Line: -0.86Signal: -0.77Hist: -0.10

    ADX

    ADX: 24.1+DI: 12.6-DI: 28.3

    Aroon & PSAR

    Aroon Up12.0
    Aroon Down100.0
    PSAR$72.60

    Bollinger Bands

    Upper Band$73.23
    Lower Band$69.74
    %B Position488%(Upper)
    Band Width-0.09

    RSI (14-Day)

    Neutral
    34.3

    Momentum Oscillators

    Stoch %K9.4
    Stoch %D21.2
    Williams %R-96.3
    ROC (10d)-2.2%
    Momentum-1.53
    CCI (20d)-160.9
    MFI (14d)44.0

    Volatility Measures

    ATR (14d)$1.31(1.9%)
    StdDev (20d)0.87
    Hist Vol15.4%(Low)

    Volume Flow

    VWAP$69.94
    OBV2.6M
    AD Line-11.1M
    CMF (20d)-0.092

    Volume Metrics

    Avg Vol (20d)84.9K
    Vol Ratio1.4x
    VWMA (20d)$71.49

    Pivot Points

    R3$72.09
    R2$71.57
    R1$71.02
    Pivot Point$70.50
    S1$69.94
    S2$69.42
    S3$68.87

    Advanced Oscillators

    TSI-23.72
    Ultimate Osc36.6
    KST-35.33

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$51.76M$50.24M$49.65M$48.99M$47.61M$46.15M$45.01M$43.84M$42.86M$40.09M$40.13M$41.25M
    Cost of RevenueN/A$29.88M$29.36M$35.11M$32.80M$31.38M$32.21M$32.88M$30.47M$30.42M$27.99M$23.61M
    Gross ProfitN/A$48.06M$49.65M$44.49M$45.11M$45.21M$44.08M$41.68M$41.96M$39.19M$39.23M$40.35M
    Operating Expenses$25.54M$26.22M$25.27M$25.05M$25.98M$25.39M$24.88M$25.84M$25.00M$25.05M$23.86M$23.71M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$21.94M$24.38M$19.44M$19.14M$19.82M$19.20M$15.84M$16.96M$14.14M$15.37M$16.64M
    Interest Income$72.77M$70.96M$72.23M$73.03M$70.64M$69.92M$69.42M$67.38M$64.67M$64.03M$61.58M$58.11M
    Interest Expense$28.36M$27.80M$29.36M$30.61M$30.30M$30.45M$31.28M$30.72M$29.57M$29.52M$27.09M$22.71M
    Income Before Tax$23.03M$21.94M$22.70M$19.44M$19.14M$19.82M$19.20M$15.84M$16.96M$14.14M$15.37M$16.64M
    Income Tax Expense$2.75M$4.18M$4.55M$3.79M$3.35M$4.14M$4.55M$3.38M$3.43M$2.84M$3.17M$3.49M
    Net Income$20.28M$17.76M$18.15M$15.65M$15.78M$15.68M$14.65M$12.46M$13.53M$11.31M$12.19M$13.15M
    EBITDA$24.79M$23.75M$24.30M$20.86M$20.68M$20.58M$20.36M$16.96M$18.16M$15.22M$16.30M$17.35M
    EBIT$23.03M$21.94M$22.70M$19.44M$19.14M$19.82M$19.20M$15.84M$16.96M$14.14M$15.37M$16.64M
    * Some calculated fields are derived from available data when not provided by source

    Related GNG Research

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    News

    Hovde Group sets USD 76.00 target for Southern Missouri Bancorp stock

    Hovde Group initiated coverage of Southern Missouri Bancorp (SMBC) with a "market perform" rating and a USD 76.00 price target on October 5...

    ad-hoc-news.de•10/15/26•Somewhat-Bullish

    Southern Missouri Bancorp Q1 2027 Earnings Date and Estimates

    Southern Missouri Bancorp (SMBC) is projected to announce its Q1 2027 earnings on Wednesday, October 28, 2026, after market close, with an earnings call scheduled for October 22, 2026...

    MarketBeat•10/15/26•Neutral

    Responsive Playbooks and the SMBC Inflection

    This article analyzes Southern Missouri Bancorp Inc. (NASDAQ: SMBC), indicating weak near-term sentiment but long-term strength. It provides AI-generated trading strategies including position trading, momentum breakout...

    Stock Traders Daily•10/14/26•Bearish

    StoneX initiates coverage of Southern Missouri Bancorp stock

    StoneX has initiated coverage of Southern Missouri Bancorp (SMBC) with a Buy rating. The bank reported a net income of USD 71.8 million in fiscal 2026, a 22.6% increase from the previous year...

    AD HOC NEWS•10/6/26•Bullish

    Southern Missouri Bancorp stock gained 1.72 percent on October 2

    Southern Missouri Bancorp (SMBC) stock increased by 1.72% to USD 72.59 on October 2, 2026, on Nasdaq, following strong fiscal fourth-quarter 2026 results that beat analyst estimates for both EPS and revenue. Six...

    AD HOC NEWS•10/5/26•Bullish

    SMBC Valuation and Fair Value

    P/E
    10.8x
    Forward P/E
    8.8x
    EV/EBITDA
    9.0x
    P/FCF
    10.0x
    PEG
    1.1x
    P/B
    1.3x
    See GNG's fair value

    SMBC Profitability: Margins, ROIC and FCF

    Operating margin
    49.9%
    Net margin
    38.0%
    ROIC
    9.5%
    ROE
    12.7%
    FCF margin
    38.2%
    FCF yield
    10.0%

    SMBC Competitors

    CompanyTicker
    B. Riley Financial, Inc. 6.50% Senior Notes Due 2026RILYN
    Financial Institutions IncFISI
    GCM Grosvenor IncGCMG
    Root IncROOT
    South Plains Financial IncSPFI
    Brighthouse Financial, Inc.BHFAO
    Orrstown Financial Services IncORRF
    Peapack-Gladstone FinancialPGC

    Sector: Financial Services

    SMBC Analyst Ratings

    Consensus
    Hold
    Analysts
    5
    Strong Buy
    0
    Buy
    1
    Hold
    4
    Sell
    0
    Strong Sell
    0

    SMBC Bull Case vs Bear Case

    Bull case

    • SMBC converts 38.2% of revenue into free cash flow.
    • SMBC has a 38.0% net profit margin.
    • SMBC beat EPS estimates in 87.5% of its last 8 reported quarters.

    SMBC Earnings: Beat Rate and Next Report

    Beat rate
    7 of 8 quarters (87.5%)
    Average surprise
    6.2%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $1.66
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    2 up, 0 down

    SMBC Dividend

    Forward yield
    1.6%
    Payout ratio
    15.6%
    3Y DPS growth
    5.4%
    5Y DPS growth
    9.9%
    Pay months
    Feb, May, Aug, Nov
    SMBC dividend history

    Frequently Asked Questions About SMBC

    What is SMBC's current dividend yield?

    Southern Missouri Bancorp Inc (SMBC) has a forward dividend yield of 1.56%.

    Does SMBC pay dividends?

    Yes, Southern Missouri Bancorp Inc pays dividends with a forward dividend yield of 1.56%.

    What is SMBC's P/E ratio?

    Southern Missouri Bancorp Inc has a price-to-earnings (P/E) ratio of 10.80.

    What is SMBC's market cap?

    Southern Missouri Bancorp Inc (SMBC) has a market capitalization of $764.54M with a current stock price of $69.42.

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