Southern Missouri Bancorp, Inc. (SMBC)
Financial Services · NGM
Fundamentals
Valuation and ratings
Southern Missouri Bancorp, Inc. trades at USD77.63, which is 119% below the USD170.37 our discounted cash flow model puts on the business. On that measure alone it screens as undervalued, though a DCF is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 40 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 12.9 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
SMBC dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | USD0.500 | 2 |
| 2025 | USD0.960 | 4 |
| 2024 | USD0.880 | 4 |
| 2023 | USD0.840 | 4 |
| 2022 | USD0.820 | 4 |
| 2021 | USD0.720 | 4 |
| 2020 | USD0.600 | 4 |
| 2019 | USD0.560 | 4 |
| 2018 | USD0.480 | 4 |
| 2017 | USD0.420 | 4 |
| 2016 | USD0.380 | 4 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
SMBC earnings and analyst estimates
Recommendation mix, 3 analyst ratings
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About Southern Missouri Bancorp, Inc.
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, money market deposit accounts, saving accounts, certificates of deposit, and retirement savings plans. It also provides loans secured by mortgages on one- to four-family residences and commercial and agricultural real estate; construction loans on residential and commercial properties; commercial and agricultural business loans; and consumer loans. In addition, the company offers fiduciary and investment management services; commercial and consumer insurance products; and debit or credit cards. The company was founded in 1887 and is headquartered in Poplar Bluff, Missouri.
SMBC passes 3 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Common questions
Is Southern Missouri Bancorp, Inc. (SMBC) undervalued?
Against our discounted cash flow estimate of USD170.37, SMBC at USD77.63 is 119% below fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.
What is SMBC's P/E ratio?
SMBC trades at 12.9 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does Southern Missouri Bancorp, Inc. (SMBC) pay a dividend?
Yes. Southern Missouri Bancorp, Inc. yields 1.28% at the current share price. It has paid USD1.00 per share over the trailing twelve months. It has paid a dividend in each of the last 31 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
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Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.