Southern Missouri Bancorp Inc (SMBC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Southern Missouri Bancorp Inc stock (SMBC) is currently trading at $62.75. Southern Missouri Bancorp Inc PE ratio is 10.94. Southern Missouri Bancorp Inc PS ratio (Price-to-Sales) is 3.84. Analyst consensus price target for SMBC is $68.33. WallStSmart rates SMBC as Moderate Buy.
- SMBC PE ratio analysis and historical PE chart
- SMBC PS ratio (Price-to-Sales) history and trend
- SMBC intrinsic value — DCF, Graham Number, EPV models
- SMBC stock price prediction 2025 2026 2027 2028 2029 2030
- SMBC fair value vs current price
- SMBC insider transactions and insider buying
- Is SMBC undervalued or overvalued?
- Southern Missouri Bancorp Inc financial analysis — revenue, earnings, cash flow
- SMBC Piotroski F-Score and Altman Z-Score
- SMBC analyst price target and Smart Rating
Southern Missouri Bancorp Inc
📊 No data available
Try selecting a different time range
SMBC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Southern Missouri Bancorp Inc (SMBC)
SMBC trades at a significant discount to its Graham intrinsic value of $267.73, offering a 76% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Southern Missouri Bancorp Inc (SMBC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Southern Missouri Bancorp Inc (SMBC) Key Strengths (6)
Keeps $50 of every $100 in revenue after operating costs
Keeps $36 of every $100 in revenue as net profit
Good growth relative to its price
Trading at 1.21x book value, attractively priced
Strong earnings growth at 24.70% per year
56.71% held by institutions, strong professional interest
Supporting Valuation Data
Southern Missouri Bancorp Inc (SMBC) Areas to Watch (4)
Modest revenue growth at 8.80%
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 3.84x sales
Southern Missouri Bancorp Inc (SMBC) Detailed Analysis Report
Overall Assessment
This company scores 72/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 6 register as strengths (avg 8.7/10) while 4 fall into concern territory (avg 5.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, PEG Ratio. Valuation metrics including PEG Ratio (1.06), Price/Book (1.21) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 50.30%, Profit Margin at 35.70%. Growth metrics are encouraging with EPS Growth at 24.70%.
The Bear Case
The primary concerns are Revenue Growth, Market Cap, Return on Equity. Some valuation metrics including Price/Sales (3.84) suggest expensive pricing. Growth concerns include Revenue Growth at 8.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 12.10%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.10% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 8.80% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Profit Margin makes a compelling case at current levels. The key risk is Revenue Growth, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
SMBC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
SMBC's Price-to-Sales ratio of 3.84x trades 36% below its historical average of 6x (6th percentile). The current valuation is 61% below its historical high of 9.95x set in Nov 2013, and 15% above its historical low of 3.33x in Jul 2015.
WallStSmart Analysis Synopsis
Data-driven financial summary for Southern Missouri Bancorp Inc (SMBC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Southern Missouri Bancorp Inc is a mature, profitable business with steady cash generation. Revenue reached 183M with 9% growth year-over-year. Profit margins are strong at 35.7%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 35.7% and operating margin of 50.3% demonstrate strong pricing power and operational efficiency.
Generating 20M in free cash flow and 21M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Southern Missouri Bancorp Inc.
Bottom Line
Southern Missouri Bancorp Inc is a well-established business delivering consistent profitability with 35.7% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Loading insider activity...
About Southern Missouri Bancorp Inc(SMBC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Southern Missouri Bancorp, Inc. is the banking holding company for Southern Bank providing banking and financial services to individual and corporate clients in the United States. The company is headquartered in Poplar Bluff, Missouri.