📊 SMBC Key Takeaways
Is Southern Missouri Bancorp, Inc.. (SMBC) a Good Investment?
Southern Missouri Bancorp demonstrates strong revenue growth of 79.4% YoY and generates robust free cash flow, but profitability has stalled with net income flat YoY despite the surge in top-line revenue. Critical concerns include extremely weak return metrics (ROE 6.0%, ROA 0.7%) far below banking industry standards and an alarming 0.5x interest coverage ratio indicating potential debt service stress.
Why Buy Southern Missouri Bancorp, Inc.. Stock? SMBC Key Strengths
- Strong revenue growth of 79.4% YoY indicates successful market expansion or acquisition integration
- Excellent free cash flow generation of $35.6M with 24.5% FCF margin demonstrates operational cash production capability
- Clean balance sheet with zero long-term debt and 0.00x Debt/Equity ratio provides substantial financial flexibility
- Significant cash position of $134.1M provides substantial liquidity buffer and strategic optionality
SMBC Stock Risks: Southern Missouri Bancorp, Inc.. Investment Risks
- Net income growth completely stalled at 0% despite massive 79.4% revenue growth indicates severe profitability deterioration or material integration costs
- Return metrics critically depressed: 6.0% ROE and 0.7% ROA substantially below banking industry standards (8-12% ROE, 0.8-1.2% ROA), suggesting poor capital efficiency
- Interest coverage ratio of 0.5x is dangerously low and indicates potential debt service sustainability issues or financial stress
- Margin compression risk evident from flat profitability amid strong growth suggests structural or competitive headwinds
Key Metrics to Watch
- Net profit margin reversal and operating expense ratio trends to diagnose profitability stall
- Interest coverage ratio trajectory toward minimum 1.5x threshold to ensure financial stability
- ROE and ROA progression toward industry benchmarks as core indicators of capital deployment efficiency
- Asset quality deterioration signals (NPL ratios, loan loss provisions) critical for banking sector assessment
Southern Missouri Bancorp, Inc.. (SMBC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 24.5% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
SMBC Profit Margin, ROE & Profitability Analysis
SMBC vs Finance Sector: How Southern Missouri Bancorp, Inc.. Compares
How Southern Missouri Bancorp, Inc.. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Southern Missouri Bancorp, Inc.. Stock Overvalued? SMBC Valuation Analysis 2026
Based on fundamental analysis, Southern Missouri Bancorp, Inc.. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Southern Missouri Bancorp, Inc.. Balance Sheet: SMBC Debt, Cash & Liquidity
SMBC Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Southern Missouri Bancorp, Inc..'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $1.04 reflects profitable operations.
SMBC Revenue Growth, EPS Growth & YoY Performance
Southern Missouri Bancorp, Inc.. Dividends, Buybacks & Capital Allocation
SMBC SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Southern Missouri Bancorp, Inc.. (CIK: 0000916907)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Mar 4, 2026 | 4 | xslF345X05/form4-03042026_090315.xml | View → |
| Feb 26, 2026 | 4 | xslF345X05/form4-02262026_110234.xml | View → |
| Feb 26, 2026 | 4 | xslF345X05/form4-02262026_110255.xml | View → |
| Feb 26, 2026 | 4 | xslF345X05/form4-02262026_110219.xml | View → |
| Feb 26, 2026 | 4 | xslF345X05/form4-02262026_110235.xml | View → |
❓ Frequently Asked Questions about SMBC
What is the AI rating for SMBC?
Southern Missouri Bancorp, Inc.. (SMBC) has an AI rating of HOLD with 48% confidence, based on fundamental analysis of SEC EDGAR filings.
What are SMBC's key strengths?
Claude: Strong revenue growth of 79.4% YoY indicates successful market expansion or acquisition integration. Excellent free cash flow generation of $35.6M with 24.5% FCF margin demonstrates operational cash production capability.
What are the risks of investing in SMBC?
Claude: Net income growth completely stalled at 0% despite massive 79.4% revenue growth indicates severe profitability deterioration or material integration costs. Return metrics critically depressed: 6.0% ROE and 0.7% ROA substantially below banking industry standards (8-12% ROE, 0.8-1.2% ROA), suggesting poor capital efficiency.
What is SMBC's revenue and growth?
Southern Missouri Bancorp, Inc.. reported revenue of $145.3M.
Does SMBC pay dividends?
Southern Missouri Bancorp, Inc.. pays dividends, with $5.6M distributed to shareholders in the trailing twelve months.
Where can I find SMBC SEC filings?
Official SEC filings for Southern Missouri Bancorp, Inc.. (CIK: 0000916907) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is SMBC's EPS?
Southern Missouri Bancorp, Inc.. has a diluted EPS of $3.00.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is SMBC a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Southern Missouri Bancorp, Inc.. has a HOLD rating with 48% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is SMBC stock overvalued or undervalued?
Valuation metrics for SMBC: ROE of 6.0% (sector avg: 12%), net margin of 23.3% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy SMBC stock in 2026?
Our dual AI analysis gives Southern Missouri Bancorp, Inc.. a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is SMBC's free cash flow?
Southern Missouri Bancorp, Inc..'s operating cash flow is $37.6M, with capital expenditures of $2.0M. FCF margin is 24.5%.
How does SMBC compare to other Finance stocks?
Vs Finance sector averages: Net margin 23.3% (avg: 25%), ROE 6.0% (avg: 12%), current ratio N/A (avg: 1.2).