Southern Missouri Bancorp Inc. Common Stock (SMBC)

FairStock Score: 63/100 — STEADY

Key Financials

Strengths

• Strong Piotroski F-Score of 7/9 indicating robust financial health across profitability, leverage, and efficiency metrics
• Solid return on equity of 12.2% above cost of capital

Concerns

• Altman Z-Score of 0.2 places it in the financial distress zone—elevated bankruptcy risk

AI Analysis

Southern Missouri Bancorp Inc. Common Stock is a micro-cap financial services company valued at $748 million. The business generates $186 million in annual revenue with a 9.5% net margin. From a quality standpoint, Southern shows solid Piotroski F-Score of 7/9 and distressed Altman Z-Score of 0.2 warrants caution. On valuation, the stock is attractively valued at 11.1x earnings, with a modest 19% margin of safety vs Graham Number. Growth dynamics show revenue growing at 10.3% and profit growth of 23.9%. The 1.5% dividend yield adds an income component for patient holders. Our composite FairStock Score of 63/100 reflects above-average fundamentals overall. Investors should weigh the business quality against the current price and their own margin of safety requirements.

Bull Case

The market underappreciates Southern's consistent 12% ROE at just 11x earnings—a re-rating toward sector peers could unlock 30-50% upside. Operational leverage in the business model means incremental revenue growth could disproportionately boost bottom-line profitability.

Bear Case

Macro headwinds or sector-specific disruption could pressure margins, particularly if competitive intensity increases in the financial services space. Regulatory changes, input cost inflation, or demand normalization represent underappreciated risks that could materially impact forward estimates.

Data from SEC filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer