Stocks · Financial Services · Banks - Regional
Southern Missouri Bancorp, Inc. SMBC
$72.59 +1.72% Close, Oct 2, 2026 · NASDAQ · Market cap $799.6M
Strong trend
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 7 quarters (average surprise over the last four: +9.0%).
- The stock is in an uptrend: above its 200-day average for 217 trading days, with the 50-day average above the 200-day.
- Diluted EPS over the last four quarters was $6.43, up 24.1% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth26Very weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 31%
- EPS growth (TTM, YoY)Top 45%
- FCF growth (TTM, YoY)Bottom 34%
- Revenue growth, 3-year CAGRTop 45%
- Revenue growth accelerationBottom 28%
Quality61Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 10%
- Gross marginBottom 40%
- Operating marginTop 31%
- Cash conversion (OCF / net income)Bottom 47%
- Accruals (lower is better)Bottom 43%
- Net debt / EBITDA (lower is better)Top 42%
- Interest coverBottom 42%
Value73Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 26%
- Free-cash-flow yieldTop 40%
- EBITDA / enterprise valueTop 23%
- Sales / enterprise valueTop 39%
- P/E vs own 5-year history (lower is better)Bottom 36%
Momentum82Strong
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 14%
- 6-month returnTop 36%
- 1-year return vs S&P 500Top 14%
- Distance from 52-week highTop 44%
- Trend checklist (0–4)Top 27%
Revisions68Positive
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 31%
- Consecutive EPS beatsTop 16%
- Share of analysts rating BuyBottom 30%
- Upside to consensus price targetTop 48%
Stability57Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 26%
- Maximum drawdown, 3 yearsBottom 47%
- Beta vs S&P 500 (lower is better)Bottom 38%
- Net debt / EBITDA (lower is better)Top 42%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 4.9% | 1.3% | ↓ |
| EPS growth (YoY) | 20.3% | 24.1% | ↑ |
| Gross margin | 57.7% | 61.7% | ↑ |
| Operating margin | 24.2% | 28.7% | ↑ |
| FCF margin | 24.7% | 24.8% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 1.3% | 4.9% | ↓ | Bottom 31% |
| EPS growth (TTM, YoY) | 24.1% | 20.3% | ↑ | Top 45% |
| Gross margin | 61.7% | 57.7% | ↑ | Bottom 40% |
| Operating margin | 28.7% | 24.2% | ↑ | Top 31% |
| Net margin | 23.2% | 19.2% | ↑ | — |
| Free-cash-flow margin | 24.8% | 24.7% | ↑ | — |
| Return on invested capital | 11.7% | — | Top 10% | |
| Revenue growth, 3-year CAGR | 16.0% | — | Top 45% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.12×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.5%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +5.8 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.59×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.39%
- Net buyback yield (TTM)
- 2.27%
- Shareholder yield
- 3.66%
- Share count change, 1 year
- -2.3%
- Share count change, 3-year CAGR
- -0.8%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Sep 11, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 7
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +9.0%
- Average 2-day reaction, last 8
- +1.3%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $84.00
- Target vs current price
- +15.7%
- Analysts with a rating
- 3
- Share rating Buy or Strong Buy
- 33%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | +20.4% | -1.4% | +3.1% | -0.9% | — |
| Apr 22, 2026 | +3.2% | -0.7% | +5.6% | +2.3% | +17.2% |
| Jan 21, 2026 | +3.8% | +5.2% | +1.0% | +6.0% | +8.6% |
| Oct 22, 2025 | +8.4% | +0.7% | +6.8% | +5.6% | +22.9% |
| Jul 23, 2025 | +11.2% | -0.3% | -1.4% | -3.4% | -9.9% |
| Apr 21, 2025 | +7.8% | +0.5% | +7.0% | +11.3% | +13.8% |
| Jan 27, 2025 | +1.6% | +1.6% | +3.4% | +0.7% | -7.7% |
| Oct 28, 2024 | -0.9% | +5.0% | +2.7% | +16.1% | +0.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $1.83 | $1.52 | +20.4% | $51.8M |
| Apr 22, 2026 | $1.60 | $1.55 | +3.2% | $50.2M |
| Jan 21, 2026 | $1.62 | $1.56 | +3.8% | $49.6M |
| Oct 22, 2025 | $1.42 | $1.31 | +8.4% | $49.0M |
| Jul 23, 2025 | $1.39 | $1.25 | +11.2% | $47.6M |
| Apr 21, 2025 | $1.39 | $1.29 | +7.8% | $46.1M |
| Jan 27, 2025 | $1.30 | $1.28 | +1.6% | $45.0M |
| Oct 28, 2024 | $1.10 | $1.11 | -0.9% | $43.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.3× | 10.6× | 71th | Top 26% |
| P/E (forward) | 10.9× | — | — | — |
| EV / EBITDA | 8.9× | — | — | Top 23% |
| EV / Sales | 2.77× | — | — | Top 39% |
| Free-cash-flow yield | 9.58% | — | — | Top 40% |
| Earnings yield | 8.86% | — | — | Top 26% |
P/E over the past five years
Range 8.2× – 15.4× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +38.3%
- Earnings per share growth (TTM)
- +24.1%
- Change in P/E multiple
- +4.3%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 217
- 50-day average slope (20 days)
- -1.9%
- 200-day average slope (20 days)
- +2.3%
- Distance from 50-day average
- -2.7%
- Distance from 200-day average
- +5.8%
- RSI (14)
- 48.8
- Relative volume
- 0.61×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 16.0%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.81
- Correlation with S&P 500
- 0.47
- Current drawdown from 1-year high
- -8.5%
- Maximum drawdown, 3 years
- -29.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 10, 2021 | May 4, 2023 | -49.7% | 371 days | 380 days (Nov 6, 2024) |
| Nov 11, 2024 | Apr 10, 2025 | -29.7% | 102 days | 255 days (Apr 17, 2026) |
| Aug 4, 2026 | Sep 30, 2026 | -10.6% | 40 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $799.6M
- P/E (TTM)
- 11.3
- EPS, diluted (TTM)
- $6.43
- Revenue (TTM)
- $309.3M
- Dividend yield
- 1.41%
- 52-week range
- $47.60 – $79.86
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|
| Revenue | $138.1M | $202.6M | $273.2M | $305.2M | $316.5M |
| Gross profit | $123.3M | $135.9M | $160.7M | $176.1M | $189.0M |
| Operating income | $59.9M | $49.5M | $63.1M | $74.0M | $87.1M |
| Net income | $47.2M | $39.2M | $50.2M | $58.3M | $71.8M |
| EPS (diluted) | $5.21 | $3.85 | $4.42 | $5.18 | $6.43 |
| Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | Q3 2026 | Q4 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $74.6M | $76.3M | $76.6M | $77.9M | $79.6M | $79.0M | $77.9M | $72.8M |
| Net income | $12.5M | $14.7M | $15.6M | $15.8M | $15.7M | $18.1M | $17.8M | $20.3M |
| EPS (diluted) | $1.10 | $1.30 | $1.39 | $1.39 | $1.38 | $1.62 | $1.60 | $1.83 |
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|
| Operating cash flow | $67.3M | $62.0M | $70.3M | $81.6M | $80.5M |
| Capital expenditure | -$4.6M | -$6.0M | -$9.0M | -$6.3M | -$4.0M |
| Free cash flow | $62.7M | $56.0M | $61.2M | $75.3M | $76.6M |
| Dividends paid | -$7.2M | -$8.6M | -$9.5M | -$10.4M | -$11.1M |
| Net share buybacks | -$5.8M | $0 | -$3.9M | $0 | -$18.1M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $541.7M
- Total assets
- $5.23B
- Total liabilities
- $4.64B
- Total debt
- $148.3M
- Net debt
- $57.3M
- Shareholders’ equity
- $590.7M
As of Jun 30, 2026 (filed Sep 11, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 14, 2026 | $0.27 | Aug 31, 2026 |
| May 15, 2026 | $0.25 | May 29, 2026 |
| Feb 13, 2026 | $0.25 | Feb 27, 2026 |
| Nov 14, 2025 | $0.25 | Nov 28, 2025 |
| Aug 15, 2025 | $0.25 | Aug 29, 2025 |
| May 15, 2025 | $0.23 | May 30, 2025 |
| Feb 14, 2025 | $0.23 | Feb 28, 2025 |
| Nov 15, 2024 | $0.23 | Nov 29, 2024 |
Short interest
- Shares sold short
- 343,839
- Days to cover
- 3.55
- Change vs previous report
- +27.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Feb 2, 2015
- 2-for-1
- Oct 29, 2003
- 2-for-1