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Southern Missouri Bancorp Inc

Southern Missouri Bancorp Inc

SMBC · NASDAQ · Financial Services / Banks - Regional

70.95USD+0.01 (+0.01%)

Price History

Full chart

Market Stats

Previous Close70.94
Open70.52
Day Range70.30 – 71.09
52-Week Range46.86 – 79.58
Volume57.80K
Market Cap787.45M
P/E (TTM)11.24
Forward P/E8.83
EPS6.36
Dividend Yield1.41%
Beta0.85
50-Day Avg75.01
200-Day Avg68.39

About

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 deposit products, including interest-bearing and noninterest-bearing transaction accounts, money market deposit accounts, savings 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; consumer loans; and business financing, including small business, working capital, business real estate, and equipment loans. In addition, the company offers fiduciary and investment management services; brokerage services of commercial and consumer insurance products; cash management and merchant services; online and mobile banking services; refinance services; and debit or credit cards. The company was founded in 1887 and is headquartered in Poplar Bluff, Missouri.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Greg A. Steffens
  • Employees711
  • Headquarters2991 Oak Grove Road, Poplar Bluff, MO, United States, 63901, USA
  • Websitehttps://www.bankwithsouthern.com

Leadership

  • Mr. Greg A. SteffensChairman & CEO · b. 1967
  • Mr. Matthew T. FunkePresident & Chief Administrative Officer · b. 1976
  • Ms. Kimberly A. CappsExecutive VP & COO · b. 1967
  • Ms. Lorna BrannumInvestor Relations Contact & Executive Secretary
  • Mr. Mark E. HeckerExecutive VP & Chief Credit Officer · b. 1966
  • Mr. Brett A. DortonExecutive VP & Chief Strategies Officer · b. 1973

Financials

Income Statement

Currency: USD1995-06-301996-06-301997-06-301998-06-301999-06-302000-06-302001-06-302002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Revenue10.20M11.60M12.00M12.20M12.70M12.90M17.61M17.87M17.82M17.58M19.60M22.51M25.76M27.74M27.80M30.64M38.11M42.46M40.19M45.49M62.94M65.10M71.42M89.54M110.58M121.80M129.52M138.07M202.62M273.22M305.25M316.54M
Growth (%)-+13.73%+3.45%+1.67%+4.10%+1.59%+36.47%+1.48%-0.27%-1.37%+11.51%+14.85%+14.44%+7.70%+0.22%+10.20%+24.40%+11.42%-5.34%+13.18%+38.37%+3.44%+9.70%+25.37%+23.49%+10.15%+6.33%+6.60%+46.75%+34.84%+11.72%+3.70%
Cost of Revenue5.30M6.40M6.50M7.00M6.40M7.13M10.00M8.49M7.45M6.82M12.85M11.32M14.23M14.49M12.36M12.15M13.67M11.73M9.22M9.13M11.95M11.86M12.71M17.90M26.88M33.57M15.77M14.79M66.73M112.49M129.27M127.59M
Gross Profit4.90M5.20M5.50M5.20M6.30M5.77M7.61M9.38M10.37M10.75M6.75M11.19M11.53M13.25M15.44M18.49M24.44M30.73M30.98M36.36M50.99M53.24M58.72M71.70M83.69M88.19M113.75M123.28M135.89M160.73M176.08M188.95M
Gross Margin48.04%44.83%45.83%42.62%49.61%44.71%43.21%52.48%58.19%61.19%34.44%49.71%44.77%47.77%55.56%60.34%64.13%72.38%77.07%79.93%81.01%81.78%82.21%80.08%75.69%72.40%87.83%89.29%67.07%58.83%57.68%59.69%
Operating Expense3.20M3.00M4.00M3.60M3.80M3.76M5.22M5.87M6.16M6.45M6.73M7.03M7.46M7.86M9.90M12.35M7.02M16.04M16.95M22.53M31.27M31.71M37.10M42.97M47.74M53.76M54.05M63.38M86.42M97.62M102.08M101.85M
Operating Income1.70M2.20M1.50M1.60M2.50M2.01M2.39M3.51M4.20M4.31M22.36K4.16M4.07M5.39M5.55M6.14M17.42M14.70M14.02M13.83M19.72M21.53M21.61M28.73M35.95M34.43M59.70M59.90M49.46M63.11M73.99M87.10M
Operating Margin16.67%18.97%12.50%13.11%19.69%15.58%13.57%19.62%23.59%24.52%0.11%18.49%15.81%19.42%19.95%20.03%45.71%34.61%34.89%30.39%31.34%33.07%30.26%32.09%32.51%28.27%46.10%43.39%24.41%23.10%24.24%27.52%
EBITDA1.90M2.40M1.90M1.90M2.90M2.27M3.06M4.66M5.73M5.67M894.68K5.10M5.03M6.27M6.43M7.14M18.51M16.05M15.59M16.01M22.96M25.07M25.51M33.31M41.02M39.99M65.13M65.83M57.02M73.20M84.02M87.10M
EBITDA Margin18.63%20.69%15.83%15.57%22.83%17.62%17.40%26.07%32.15%32.26%4.57%22.64%19.54%22.61%23.12%23.29%48.57%37.80%38.79%35.20%36.49%38.50%35.71%37.20%37.10%32.83%50.29%47.68%28.14%26.79%27.52%27.52%
Net Income1.20M1.50M1.10M1.10M1.60M1.32M1.55M2.31M2.74M2.88M104.26K2.78M2.93M3.61M3.84M4.63M11.47M10.10M10.07M10.08M13.67M14.85M15.55M20.93M28.90M27.55M47.18M47.17M39.24M50.18M58.31M71.84M
Net Income Margin11.76%12.93%9.17%9.02%12.60%10.23%8.79%12.92%15.37%16.40%0.53%12.37%11.37%13.03%13.80%15.10%30.10%23.78%25.05%22.16%21.72%22.81%21.77%23.37%26.14%22.61%36.43%34.16%19.36%18.37%19.10%22.70%
R&D-----------------0000000--------
R&D as % of Total Revenue-----------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%--------
Interest Expense5.20M6.30M6.30M6.20M6.20M6.92M9.49M8.14M7.12M6.55M8.03M10.76M13.62M13.55M11.20M11.22M11.29M9.94M7.50M7.49M8.77M9.37M10.37M14.79M24.70M26.92M16.79M13.30M49.67M108.89M122.75M116.14M
Interest Expense % of Total Revenue50.98%54.31%52.50%50.82%48.82%53.63%53.90%45.56%39.96%37.24%40.98%47.82%52.88%48.84%40.30%36.64%29.61%23.42%18.66%16.45%13.93%14.38%14.51%16.52%22.34%22.10%12.96%9.63%24.51%39.86%40.21%36.69%

Balance Sheet

Currency: USD1995-06-301996-06-301997-06-301998-06-301999-06-302000-06-302001-06-302002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Assets148.30M159.80M160.40M155.90M165.00M184.39M240.49M266.29M279.45M311.70M330.36M350.68M379.93M417.82M465.90M552.08M688.20M739.19M796.39M1.02B1.30B1.40B1.71B1.89B2.21B2.54B2.70B3.21B4.36B4.60B5.02B5.23B
Total Liabilities121.30M133.60M134.00M131.80M142.40M162.93M216.91M241.78M254.35M285.75M305.36M324.13M351.21M387.35M423.89M506.43M632.47M644.46M694.56M910.31M1.17B1.28B1.53B1.69B1.98B2.28B2.42B2.89B3.91B4.12B4.47B4.64B
Total Equity27.00M26.20M26.40M24.10M22.60M21.46M23.58M24.51M25.11M25.95M25.00M26.55M28.71M30.47M42.01M45.65M55.73M94.73M101.83M111.11M132.64M125.97M173.08M200.69M238.39M258.35M283.42M320.77M446.06M488.75M544.69M590.68M
Cash3.30M4.70M3.50M4.30M4.10M4.47M10.71M8.61M7.62M4.58M3.89M6.37M7.33M8.02M8.07M34.47M34.69M34.69M13.77M16.59M18.72M23.28M31.53M28.28M36.37M55.22M124.57M91.56M55.22M61.40M193.10M90.97M
Total Debt1.30M11.60M13.50M21.10M20.60M37.00M41.12M51.31M58.73M81.16M79.47M64.51M78.98M93.07M109.71M81.09M65.95M57.36M59.51M130.49M106.78M152.05M66.18M97.86M67.33M85.17M72.77M61.01M156.62M134.60M142.28M166.19M
Net Debt-2.00M6.90M10.00M16.80M16.50M32.53M30.41M42.70M51.12M76.58M75.59M58.15M71.64M85.05M101.64M46.61M31.26M22.67M45.74M78.61M88.06M128.78M29.95M69.58M30.96M29.95M-51.80M-30.55M101.40M73.21M-50.83M75.22M

Cash Flow

Currency: USD1995-06-301996-06-301997-06-301998-06-301999-06-302000-06-302001-06-302002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Operating Cash Flow2.10M2.30M1.90M2.40M2.30M2.19M2.54M3.05M4.56M4.49M3.72M4.65M4.04M3.88M6.86M4.75M14.16M7.35M15.26M13.34M19.92M17.67M25.62M30.64M38.60M40.30M51.76M67.34M62.02M70.27M81.56M80.52M
Investing Cash Flow-8.50M-10.50M-1.70M4.20M-9.60M-19.76M-17.73M-29.32M-16.28M-37.27M-22.35M-19.83M-28.38M-39.75M-48.10M-31.21M13.68M-52.61M-83.31M-85.51M-26.30M-100.32M-123.12M-108.48M-112.99M-272.36M-101.92M-303.93M-213.41M-245.74M-285.11M-303.57M
Financing Cash Flow4.30M9.60M-1.20M-5.70M7.10M17.97M21.43M24.17M10.72M29.75M17.94M17.66M25.31M34.58M43.27M51.76M-27.33M44.78M47.42M74.31M8.22M88.43M105.73M73.38M83.47M250.90M119.50M199.80M118.55M182.39M335.51M121.15M
Capital Expenditure200.00K200.00K400.00K400.00K300.00K934.36K1.65M1.33M955.52K520.98K5.85M1.69M347.81K234.65K556.04K1.13M1.14M4.23M7.56M5.68M7.48M9.82M3.03M2.14M7.70M4.30M2.86M4.62M6.04M9.05M6.26M3.96M
Free Cash Flow1.90M2.10M1.50M2.00M2.00M1.26M887.77K1.73M3.61M3.96M-2.13M2.96M3.69M3.64M6.30M3.62M13.02M3.12M7.70M7.66M12.44M7.85M22.58M28.51M30.91M36.00M48.91M62.73M55.98M61.22M75.29M76.56M
Dividends Paid600.00K800.00K800.00K800.00K700.00K640.70K615.12K587.95K656.25K821.58K809.19K804.04K805.44K884.12K1.24M1.48M1.48M1.65M2.39M2.32M2.72M2.81M2.98M3.83M4.76M5.51M5.60M7.19M8.63M9.53M10.38M11.13M
FCF to OCF90.48%91.30%78.95%83.33%86.96%57.40%35.00%56.55%79.07%88.39%-57.21%63.65%91.39%93.95%91.89%76.20%91.95%42.50%50.45%57.42%62.47%44.43%88.16%93.02%80.06%89.32%94.48%93.14%90.26%87.13%92.32%95.08%
Dividend Paid to FCF31.58%38.10%53.33%40.00%35.00%50.89%69.29%34.05%18.18%20.72%-38.02%27.18%21.81%24.26%19.62%40.85%11.39%52.90%31.01%30.27%21.84%35.80%13.20%13.43%15.41%15.32%11.45%11.47%15.42%15.56%13.78%14.54%

Earnings

Report DateSep 30, 1998Dec 31, 1998Mar 31, 1999Sep 30, 1999Dec 31, 1999Mar 31, 2000Sep 30, 2000Dec 31, 2000Mar 31, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Sep 30, 2002Feb 14, 2003Apr 16, 2003Jul 20, 2003Oct 20, 2003Jan 21, 2004Apr 27, 2004Jul 20, 2004Oct 20, 2004Jan 21, 2005Apr 27, 2005Jul 28, 2005Oct 24, 2005Jan 25, 2006Apr 28, 2006Jul 28, 2006Oct 17, 2006Jan 19, 2007Apr 27, 2007Jul 23, 2007Oct 16, 2007Jan 18, 2008Apr 18, 2008Jul 24, 2008Oct 14, 2008Jan 16, 2009Apr 17, 2009Aug 25, 2009Nov 13, 2009Jan 22, 2010May 18, 2010Aug 3, 2010Nov 12, 2010Jan 21, 2011May 17, 2011Aug 2, 2011Nov 11, 2011Jan 25, 2012May 15, 2012Jul 31, 2012Oct 23, 2012Jan 25, 2013Apr 23, 2013Jul 30, 2013Oct 22, 2013Jan 28, 2014Apr 22, 2014Jul 29, 2014Oct 27, 2014Jan 28, 2015Apr 27, 2015Jul 27, 2015Oct 26, 2015Jan 25, 2016Apr 25, 2016Jul 25, 2016Oct 24, 2016Jan 23, 2017Apr 24, 2017Jul 24, 2017Oct 23, 2017Jan 22, 2018Apr 23, 2018Jul 23, 2018Oct 22, 2018Jan 22, 2019Apr 22, 2019Jul 22, 2019Oct 21, 2019Jan 27, 2020Apr 29, 2020Jul 27, 2020Oct 26, 2020Jan 25, 2021Apr 26, 2021Jul 26, 2021Oct 25, 2021Jan 24, 2022Apr 25, 2022Jul 25, 2022Oct 25, 2022Jan 31, 2023May 2, 2023Jul 24, 2023Oct 23, 2023Jan 28, 2024Apr 29, 2024Jul 29, 2024Oct 28, 2024Jan 27, 2025Apr 22, 2025Jul 23, 2025Oct 23, 2025Jan 21, 2026Apr 22, 2026Jul 22, 2026Oct 28, 2026
EPS Estimate--------------------------------------------------0.31--0.34---------0.590.490.520.530.560.520.550.580.590.550.680.610.600.690.700.750.780.780.810.660.520.730.891.071.081.161.211.251.321.321.341.281.041.101.120.991.001.111.241.291.251.311.541.521.651.66
EPS Actual0.060.060.060.070.070.070.090.080.070.100.110.130.140.140.140.150.150.160.150.160.170.19-0.21-0.130.150.150.140.180.160.160.140.180.180.200.200.230.210.200.210.210.250.250.230.250.281.280.430.570.600.480.320.340.350.360.360.370.370.360.320.390.440.450.440.470.490.490.450.490.500.560.530.570.580.640.600.630.770.790.780.810.850.870.560.861.091.261.271.531.431.351.031.411.041.260.951.371.161.070.991.191.101.301.391.391.381.621.601.83-
Surprise--------------------------------------------------3.23%--5.88%----------20.81%0.00%-5.77%-15.09%-12.50%-3.85%1.82%-8.62%-3.39%5.45%-5.88%-1.64%5.00%11.59%12.86%4.00%3.85%8.97%7.41%-15.15%65.38%49.32%41.57%18.69%41.67%23.28%11.57%-17.60%6.82%-21.21%-5.97%-25.78%31.73%5.45%-4.46%0.00%19.00%-0.90%4.84%7.75%11.20%5.34%5.19%5.26%10.91%-
Timing------------------------------------------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hours-

Key Statistics & Ratios

Market Cap787.45M
Enterprise Value869.38M
Trailing P/E11.24
Forward P/E8.83
PEG Ratio1.07
Price / Sales4.16
Price / Book1.33
EPS6.36
Book Value53.64
Revenue (TTM)189.19M
Gross Profit (TTM)189.19M
Profit Margin37.97%
Operating Margin49.93%
Return on Equity12.66%
Return on Assets1.40%
Shares Outstanding11.01M
Shares Float9.30M
Beta0.85
Dividend Yield1.41%
Dividend Rate1.02
Payout Ratio15.86%

Analyst Ratings

Buy
Based on 2 analystsTarget 81.25
  • Strong Buy
    1
  • Hold
    1

Ownership Breakdown

Institutions
58.89%
Insiders
12.64%
Retail / Other
28.47%

Top Institutional Holders

  • BlackRock Inc
    927.65K8.42%
  • Dimensional Fund Advisors, Inc.
    465.83K4.23%
  • Vanguard Capital Management, LLC
    431.70K3.92%
  • American Century Companies Inc
    353.44K3.21%
  • State Street Corp
    281.51K2.56%
  • Manufacturers Life Insurance Co
    238.99K2.17%
  • Geode Capital Management, LLC
    235.77K2.14%
  • Raffles Associates LP
    222.88K2.02%
  • Hotchkis & Wiley Capital Management LLC
    154.80K1.41%
  • Vanguard Portfolio Management, LLC
    144.12K1.31%
  • Millennium Management LLC
    110.32K1.00%
  • Algert Global LLC
    107.00K0.97%

Top Fund Holders

  • Avantis US Small Cap Value ETF
    311.08K2.79%
  • Vanguard MStar Total Stk Mkt Idx Invest
    300.30K2.69%
  • iShares Russell 2000 ETF
    252.11K2.26%
  • BlackRock Advantage Small Cap Core Instl
    117.77K1.06%
  • JHancock Regional Bank A
    116.31K1.04%
  • JH Financial Opportunities
    104.79K0.94%
  • Fidelity Small Cap Index
    103.37K0.93%
  • State Street® SPDR® S&PRgnllBkgETF
    103.08K0.93%

Dividends

20264×
0.27Nov 13, 20260.27Aug 14, 20260.25May 15, 20260.25Feb 13, 2026
20254×
0.25Nov 14, 20250.25Aug 15, 20250.23May 15, 20250.23Feb 14, 2025
20244×
0.23Nov 15, 20240.23Aug 15, 20240.21May 14, 20240.21Feb 14, 2024
20234×
0.21Nov 14, 20230.21Aug 14, 20230.21May 12, 20230.21Feb 14, 2023
20224×
0.21Nov 14, 20220.21Aug 12, 20220.20May 12, 20220.20Feb 14, 2022
20214×
0.20Nov 12, 20210.20Aug 12, 20210.16May 13, 20210.16Feb 11, 2021

Stock Splits

  • Feb 2, 20152:1
  • Oct 29, 20032:1