Southern Missouri Bancorp Inc. Common Stock (SMBC)

FairStock Score: 63/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At the close on 2026-10-13, Southern Missouri Bancorp traded at $69.42. FairStock’s calculations show a P/E of 10.80, P/B of 1.29, ROE of 12.65%, dividend yield of 1.47%, and PEG of 0.38. Those are not screaming bargain multiples, but they are undemanding for a bank that has been compounding. The filed 10-K figures show net income of $50.2M and diluted EPS of $4.42 in FY2024, the fiscal year ended 2024-06-30; $58.6M and $5.18 in FY2025, ended 2025-06-30; and $71.8M and $6.43 in FY2026, ended 2026-06-30. That is steady, real growth. FairStock classifies it as a Stalwart, with 8.8% annual profit growth over five years. The balance sheet is a bank balance sheet, so I care most about credit, capital, and net interest margin. Those are not in the data: CET1, NIM, nonperforming loans, reserves, and efficiency ratio are absent. A combined ratio is an insurer metric and does not apply. Piotroski F-Score is 5/9, moderate. The 12.65% ROE is respectable but not franchise-level, and P/B of 1.29 means I am paying a modest premium to book value. The moat, if any, is a local deposit franchise and underwriting discipline, but the data does not let me verify either. With a Beta of 0.87 and a 63/100 FairStock score, this looks like a fair-priced steady regional bank, not a fat pitch. I would want more capital and credit detail before calling it a Graham-style bargain.

In plain English: Southern Missouri Bancorp is a small bank holding company that takes deposits and makes loans. Its profits have grown over the last three fiscal years, and it earns a reasonable return on shareholder money. At the recent price, the stock looks neither very cheap nor very expensive compared with those profits and its accounting value.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q3 2026 10-Q (period ended 2026-03-31) · fiscal Q2 2026 10-Q (period ended 2025-12-31) · fiscal Q1 2026 10-Q (period ended 2025-09-30) · fiscal Q4 2025 10-K (period ended 2025-06-30) · FY2026 10-K (period ended 2026-06-30) · FY2025 10-K (period ended 2025-06-30) · FY2024 10-K (period ended 2024-06-30)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer