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Southern Missouri

NMQ:SMBC · US8433801060
BanksSmall

360

36
Profit price59
Cash yield59
Price/Sales8
EV / Gross Profit29
Price/Book18
Returns on capital76
Profit margins—
Cash Conversion69
Accruals25
Owner Earnings Margin92
Sales growth49
Profit Growth56
Owner Earnings Growth49
Reinvestment45
Price momentum70
Debt load44
Debt serviceability53
Liquidity57
Analyst ratings52
Opinion Changes50
Price Target Upside37
Market mood3
Value Creation17/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Southern Missouri generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGM
Founded1993
Websiteinvestors.bankwithsouthern.com/corporate-profile/default.aspx
ISINUS8433801060
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)

Description

Southern Missouri Bancorp, Inc. operates as the bank holding company for Southern Bank (the bank) that provides banking and financial services to individuals and corporate customers in the United States. The principal business of the company consist…

Analysis

Middle-of-the-road

Southern Missouri Bancorp, Inc. is a middle-of-the-road business: neither the economics nor the price stand out from the peer group.

The price is attractive. You pay 10.7× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is moderate and the balance sheet is adequate. The company scores 17/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
43
2023202420252026

All-time high

99

Oct 2024

All-time low

32

Feb 2026

Average rank

66

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
8
36
30
43
Price/Earnings
41
62
52
63
Price/Book
18
20
25
14
Dividend Yield
59
20
19
23
Value (overall)
17
26
25
25

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →