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.
Flawless balance sheet with solid track record and pays a dividend.
Share Price & News
How has Southern Missouri Bancorp's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: SMBC has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: SMBC underperformed the US Mortgage industry which returned 4.9% over the past year.
Return vs Market: SMBC underperformed the US Market which returned 17.9% over the past year.
Price Volatility Vs. Market
How volatile is Southern Missouri Bancorp's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall StBe Sure To Check Out Southern Missouri Bancorp, Inc. (NASDAQ:SMBC) Before It Goes Ex-Dividend
3 weeks ago | Simply Wall StAre You An Income Investor? Don't Miss Out On Southern Missouri Bancorp, Inc. (NASDAQ:SMBC)
1 month ago | Simply Wall StIf You Like EPS Growth Then Check Out Southern Missouri Bancorp (NASDAQ:SMBC) Before It's Too Late
Is Southern Missouri Bancorp undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: SMBC ($37.2) is trading above our estimate of fair value ($35.82)
Significantly Below Fair Value: SMBC is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: SMBC is good value based on its PE Ratio (11.4x) compared to the Mortgage industry average (13.6x).
PE vs Market: SMBC is good value based on its PE Ratio (11.4x) compared to the US market (18.2x).
Price to Earnings Growth Ratio
PEG Ratio: SMBC is poor value based on its PEG Ratio (3.6x)
Price to Book Ratio
PB vs Industry: SMBC is overvalued based on its PB Ratio (1.4x) compared to the US Mortgage industry average (1.1x).
How is Southern Missouri Bancorp forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: SMBC's forecast earnings growth (3.2% per year) is above the savings rate (1.7%).
Earnings vs Market: SMBC's earnings (3.2% per year) are forecast to grow slower than the US market (14.1% per year).
High Growth Earnings: SMBC's earnings are forecast to grow, but not significantly.
Revenue vs Market: SMBC's revenue (5.4% per year) is forecast to grow slower than the US market (7.6% per year).
High Growth Revenue: SMBC's revenue (5.4% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if SMBC's Return on Equity is forecast to be high in 3 years time
How has Southern Missouri Bancorp performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SMBC has high quality earnings.
Growing Profit Margin: SMBC's current net profit margins (33.7%) are higher than last year (31.8%).
Past Earnings Growth Analysis
Earnings Trend: SMBC's earnings have grown by 19.5% per year over the past 5 years.
Accelerating Growth: SMBC's earnings growth over the past year (20.1%) exceeds its 5-year average (19.5% per year).
Earnings vs Industry: SMBC earnings growth over the past year (20.1%) exceeded the Mortgage industry 11.1%.
Return on Equity
High ROE: SMBC's Return on Equity (12.1%) is considered low.
Return on Assets
Return on Capital Employed
How is Southern Missouri Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: SMBC has a low level of unsold assets or inventory.
Debt Coverage by Assets: SMBC's debt is not covered by short term assets (assets are 0.6x debt).
Financial Institutions Analysis
Asset Level: SMBC's level of assets compared to its equity is low.
Allowance for Bad Loans: SMBC has a sufficient allowance for bad loans.
Low Risk Liabilities: SMBC's liabilities are made up of primarily low risk sources of funding.
Loan Level: SMBC has an acceptable proportion of non-loan assets held.
Low Risk Deposits: SMBC's loans are broadly funded by customer deposits.
Level of Bad Loans: SMBC has an appropriate level of bad loans (0.52%)
What is Southern Missouri Bancorp's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: SMBC's dividend (1.61%) is higher than the bottom 25% of dividend payers in the US market (1.45%).
High Dividend: SMBC's dividend (1.61%) is low compared to the top 25% of dividend payers in the US market (3.73%).
Stability and Growth of Payments
Stable Dividend: SMBC's dividends per share have been stable in the past 10 years.
Growing Dividend: SMBC's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (17.2%), SMBC's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Greg Steffens (52yo)
Mr. Greg A. Steffens has been the Chief Executive Officer and President at Southern Missouri Bancorp, Inc. since 1999. Mr. Steffens serves as President and Chief Executive Officer of Southern Bank. He serv ...
CEO Compensation Analysis
Compensation vs Market: Greg's total compensation ($USD551.90K) is below average for companies of similar size in the US market ($USD1.67M).
Compensation vs Earnings: Greg's compensation has been consistent with company performance over the past year.
|Executive VP & CFO||14.1yrs||US$318.17k||0.54% $1.9m|
|Executive VP & Chief Credit Officer||3.1yrs||US$328.18k||0.13% $453.3k|
|Executive VP & Regional President of Southern Bank West Region||0yrs||US$314.42k||0.15% $504.9k|
|Secretary & Director||23.1yrs||US$26.55k||0.55% $1.9m|
|Executive VP & Chief Lending Officer||1.8yrs||US$294.53k||0.0072% $24.8k|
|Executive VP & COO||14.1yrs||US$254.55k||1.23% $4.2m|
|Investor Relations Contact||0yrs||no data||no data|
|Executive VP & Chief Risk Officer||0yrs||US$128.18k||0.29% $1.0m|
|Executive VP & Regional President of South Region||2.5yrs||no data||no data|
Experienced Management: SMBC's management team is seasoned and experienced (8.6 years average tenure).
|Secretary & Director||23.1yrs||US$26.55k||0.55% $1.9m|
|Chairman of the Board||0.6yrs||US$38.31k||1.09% $3.7m|
|Independent Director||8.3yrs||US$41.05k||0.49% $1.7m|
|Vice Chairman of the Board||0.6yrs||US$41.36k||0.29% $989.5k|
|Independent Director||15.3yrs||US$27.81k||0.33% $1.1m|
|Independent Director||5.5yrs||US$25.68k||5.84% $20.0m|
|Independent Director||11.3yrs||US$27.90k||0.19% $650.0k|
Experienced Board: SMBC's board of directors are seasoned and experienced ( 11.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 3.3%.
Southern Missouri Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Southern Missouri Bancorp, Inc.
- Ticker: SMBC
- Exchange: NasdaqGM
- Founded: 1887
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Market Cap: US$342.641m
- Shares outstanding: 9.21m
- Website: https://www.bankwithsouthern.com
Number of Employees
- Southern Missouri Bancorp, Inc.
- 2991 Oak Grove Road
- Poplar Bluff
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|SMBC||NasdaqGM (Nasdaq Global Market)||Yes||Common Stock||US||USD||Apr 1994|
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. It offers various deposit instruments, including demand deposit accounts, negotiable order of withdrawal accounts, money market deposit accounts, saving accounts, certificates of deposit, and retirement savings plans. The company also provides loans for the acquisition or refinance of one-to four-family residences; loans secured by commercial real estate, including land, shopping centers, retail establishments, nursing homes and other healthcare related facilities, and other businesses; construction loans; and various secured consumer loans comprising home equity, direct and indirect automobile loans, second mortgages, mobile home loans, and loans secured by deposits. In addition, it offers commercial business loans, such as loans to finance accounts receivable, inventory, equipment, and operating lines of credit. As of June 30, 2019, the company operated 44 full-service branch offices, and 2 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, and Essex Missouri; Jonesboro, Paragould, Batesville, Searcy, Bald Knob, and Bradford, Arkansas; and Anna, Cairo, and Tamms, Illinois. Southern Missouri Bancorp, Inc. was founded in 1887 and is headquartered in Poplar Bluff, Missouri.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/23 00:20|
|End of Day Share Price||2020/02/21 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.