📊 SMBC Key Takeaways
Is Southern Missouri Bancorp, Inc.. (SMBC) a Good Investment?
While SMBC maintains a fortress balance sheet with no debt and generates robust free cash flow, the bank faces material structural headwinds evidenced by dangerously weak interest coverage (0.8x), stagnant revenue growth (0.0% YoY), and subpar asset returns (1.0% ROA). These deteriorating fundamentals suggest the institution is struggling to generate profitable loan growth despite strong margins, indicating vulnerability to interest rate stress and competitive pressures.
Southern Missouri Bancorp, Inc.. Key Strengths (SMBC)
- Fortress balance sheet with zero long-term debt and 0.00x debt-to-equity ratio
- Exceptional free cash flow generation at 29.6% FCF margin ($64.1M on $216.2M revenue)
- Strong operating margins (29.6%) and net margins (23.8%) demonstrate cost control
- Solid operating cash flow of $66.5M supports capital distribution
SMBC Stock Risks: Southern Missouri Bancorp, Inc.. Investment Risks
- Critical red flag: Interest coverage ratio of only 0.8x indicates operating income barely covers interest expenses, suggesting structural margin compression or asset quality issues
- Stagnant topline growth at 0.0% YoY combined with flat net income growth indicates the bank is losing competitive positioning
- Return on Assets of only 1.0% is well below banking industry standards (typically 1.2-1.5%), signaling poor asset utilization or credit deterioration
- Elevated insider trading activity (22 Form 4 filings in 90 days) may indicate informed concerns about valuation or business trajectory
- Low return on equity at 9.0% is below industry averages, suggesting capital inefficiency
- Minimal cash position of $93.0M represents only 1.8% of total assets, limiting liquidity cushion
Key Metrics to Watch
- Interest coverage ratio trend—any further decline below 0.8x would signal immediate stress
- Loan growth and asset quality metrics (NPL ratio, charge-offs)—critical to understanding ROA deterioration
- Net interest margin and deposit mix—to assess pricing power and funding cost pressures
- Year-over-year revenue and net income growth—any acceleration from 0% would validate recovery narrative
- Return on assets trajectory—monitor for stabilization above 1.0%
Southern Missouri Bancorp, Inc.. (SMBC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 29.6% 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 |
|---|---|---|---|
| May 29, 2026 | 4 | xslF345X06/form4-05292026_090554.xml | View → |
| May 22, 2026 | 4 | xslF345X06/form4-05222026_090548.xml | View → |
| May 20, 2026 | 4 | xslF345X06/form4-05202026_070534.xml | View → |
| May 15, 2026 | 4 | xslF345X06/form4-05152026_030536.xml | View → |
| May 8, 2026 | 10-Q | smbc-20260331x10q.htm | View → |
❓ Frequently Asked Questions about SMBC
What is the AI rating for SMBC?
Southern Missouri Bancorp, Inc.. (SMBC) has an AI grade of C with 68% confidence, based on fundamental analysis of SEC EDGAR filings.
What are SMBC's key strengths?
Claude: Fortress balance sheet with zero long-term debt and 0.00x debt-to-equity ratio. Exceptional free cash flow generation at 29.6% FCF margin ($64.1M on $216.2M revenue).
What are the risks of investing in SMBC?
Claude: Critical red flag: Interest coverage ratio of only 0.8x indicates operating income barely covers interest expenses, suggesting structural margin compression or asset quality issues. Stagnant topline growth at 0.0% YoY combined with flat net income growth indicates the bank is losing competitive positioning.
What is SMBC's revenue and growth?
Southern Missouri Bancorp, Inc.. reported revenue of $216.2M.
Does SMBC pay dividends?
Southern Missouri Bancorp, Inc.. pays dividends, with $8.4M 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 $4.59.
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 grade reflects both perspectives for balanced insights.
What is SMBC's fundamental grade?
Based on our AI fundamental analysis in May 2026, Southern Missouri Bancorp, Inc.. has a C grade with 68% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is SMBC stock overvalued or undervalued?
Valuation metrics for SMBC: ROE of 9.0% (sector avg: 12%), net margin of 23.8% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is SMBC's AI grade for 2026?
Our dual AI analysis gives Southern Missouri Bancorp, Inc.. a combined C grade 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 $66.5M, with capital expenditures of $2.5M. FCF margin is 29.6%.
How does SMBC compare to other Finance stocks?
Vs Finance sector averages: Net margin 23.8% (avg: 25%), ROE 9.0% (avg: 12%), current ratio N/A (avg: 1.2).