Logo image of SMBC

SOUTHERN MISSOURI BANCORP (SMBC) Stock Fundamental Analysis

NASDAQ:SMBC - Nasdaq - US8433801060 - Common Stock - Currency: USD

58.66  -1.03 (-1.73%)

Premarket: 58.12 -0.54 (-0.92%)

Fundamental Rating

5

Taking everything into account, SMBC scores 5 out of 10 in our fundamental rating. SMBC was compared to 405 industry peers in the Banks industry. SMBC has only an average score on both its financial health and profitability. SMBC has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

4

1. Profitability

1.1 Basic Checks

In the past year SMBC was profitable.
SMBC had a positive operating cash flow in the past year.
In the past 5 years SMBC has always been profitable.
In the past 5 years SMBC always reported a positive cash flow from operatings.
SMBC Yearly Net Income VS EBIT VS OCF VS FCFSMBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

1.2 Ratios

SMBC has a Return On Assets of 1.05%. This is in the better half of the industry: SMBC outperforms 72.68% of its industry peers.
SMBC has a better Return On Equity (10.09%) than 72.18% of its industry peers.
Industry RankSector Rank
ROA 1.05%
ROE 10.09%
ROIC N/A
ROA(3y)1.15%
ROA(5y)1.25%
ROE(3y)11.2%
ROE(5y)12.17%
ROIC(3y)N/A
ROIC(5y)N/A
SMBC Yearly ROA, ROE, ROICSMBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

With an excellent Profit Margin value of 30.09%, SMBC belongs to the best of the industry, outperforming 84.46% of the companies in the same industry.
In the last couple of years the Profit Margin of SMBC has declined.
The Operating Margin and Gross Margin are not available for SMBC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 30.09%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.02%
PM growth 5Y-2.02%
GM growth 3YN/A
GM growth 5YN/A
SMBC Yearly Profit, Operating, Gross MarginsSMBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

More info and screens

4

2. Health

2.1 Basic Checks

SMBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, SMBC has about the same amount of shares outstanding.
The number of shares outstanding for SMBC has been increased compared to 5 years ago.
The debt/assets ratio for SMBC has been reduced compared to a year ago.
SMBC Yearly Shares OutstandingSMBC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
SMBC Yearly Total Debt VS Total AssetsSMBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

The Debt to FCF ratio of SMBC is 0.64, which is an excellent value as it means it would take SMBC, only 0.64 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.64, SMBC belongs to the top of the industry, outperforming 83.46% of the companies in the same industry.
A Debt/Equity ratio of 0.07 indicates that SMBC is not too dependend on debt financing.
SMBC's Debt to Equity ratio of 0.07 is fine compared to the rest of the industry. SMBC outperforms 78.20% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.64
Altman-Z N/A
ROIC/WACCN/A
WACC8.23%
SMBC Yearly LT Debt VS Equity VS FCFSMBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SMBC Yearly Current Assets VS Current LiabilitesSMBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

More info and screens

5

3. Growth

3.1 Past

SMBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.14%, which is quite good.
The Earnings Per Share has been growing slightly by 7.08% on average over the past years.
SMBC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -17.34%.
SMBC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.85% yearly.
EPS 1Y (TTM)17.14%
EPS 3Y-5.33%
EPS 5Y7.08%
EPS Q2Q%21.5%
Revenue 1Y (TTM)-17.34%
Revenue growth 3Y13.4%
Revenue growth 5Y13.85%
Sales Q2Q%12.17%

3.2 Future

The Earnings Per Share is expected to grow by 13.17% on average over the next years. This is quite good.
Based on estimates for the next years, SMBC will show a quite strong growth in Revenue. The Revenue will grow by 8.39% on average per year.
EPS Next Y14.69%
EPS Next 2Y13.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.82%
Revenue Next 2Y8.39%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
SMBC Yearly Revenue VS EstimatesSMBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
SMBC Yearly EPS VS EstimatesSMBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.81 indicates a correct valuation of SMBC.
SMBC's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 29.62, SMBC is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 10.36, the valuation of SMBC can be described as reasonable.
Based on the Price/Forward Earnings ratio, SMBC is valued a bit cheaper than the industry average as 67.67% of the companies are valued more expensively.
SMBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.70, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.81
Fwd PE 10.36
SMBC Price Earnings VS Forward Price EarningsSMBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

SMBC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SMBC is cheaper than 62.91% of the companies in the same industry.
Industry RankSector Rank
P/FCF 11.1
EV/EBITDA N/A
SMBC Per share dataSMBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

SMBC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
SMBC's earnings are expected to grow with 13.17% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.87
PEG (5Y)1.81
EPS Next 2Y13.17%
EPS Next 3YN/A

More info and screens

6

5. Dividend

5.1 Amount

SMBC has a Yearly Dividend Yield of 1.54%. Purely for dividend investing, there may be better candidates out there.
SMBC's Dividend Yield is slightly below the industry average, which is at 3.19.
Compared to the average S&P500 Dividend Yield of 2.27, SMBC is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.54%

5.2 History

The dividend of SMBC is nicely growing with an annual growth rate of 10.16%!
SMBC has paid a dividend for at least 10 years, which is a reliable track record.
SMBC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)10.16%
Div Incr Years13
Div Non Decr Years29
SMBC Yearly Dividends per shareSMBC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

SMBC pays out 19.26% of its income as dividend. This is a sustainable payout ratio.
The dividend of SMBC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP19.26%
EPS Next 2Y13.17%
EPS Next 3YN/A
SMBC Yearly Income VS Free CF VS DividendSMBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
SMBC Dividend Payout.SMBC Dividend Payout, showing the Payout Ratio.SMBC Dividend Payout.PayoutRetained Earnings

More info and screens

SOUTHERN MISSOURI BANCORP

NASDAQ:SMBC (2/21/2025, 8:00:02 PM)

Premarket: 58.12 -0.54 (-0.92%)

58.66

-1.03 (-1.73%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28 2025-01-28/bmo
Earnings (Next)N/A N/A
Inst Owners52.97%
Inst Owner Change-83.1%
Ins Owners15.25%
Ins Owner Change0.16%
Market Cap661.68M
Analysts82.22
Price Target72.42 (23.46%)
Short Float %0.56%
Short Ratio1.56
Dividend
Industry RankSector Rank
Dividend Yield 1.54%
Yearly Dividend0.84
Dividend Growth(5Y)10.16%
DP19.26%
Div Incr Years13
Div Non Decr Years29
Ex-Date02-14 2025-02-14 (0.23)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.57%
Min EPS beat(2)-2.55%
Max EPS beat(2)1.42%
EPS beat(4)2
Avg EPS beat(4)-1.01%
Min EPS beat(4)-6.99%
Max EPS beat(4)4.07%
EPS beat(8)4
Avg EPS beat(8)-8.94%
EPS beat(12)5
Avg EPS beat(12)-8.24%
EPS beat(16)9
Avg EPS beat(16)-0.56%
Revenue beat(2)1
Avg Revenue beat(2)0.16%
Min Revenue beat(2)-0.38%
Max Revenue beat(2)0.7%
Revenue beat(4)1
Avg Revenue beat(4)-1.74%
Min Revenue beat(4)-6.14%
Max Revenue beat(4)0.7%
Revenue beat(8)2
Avg Revenue beat(8)-1.69%
Revenue beat(12)3
Avg Revenue beat(12)-1.56%
Revenue beat(16)7
Avg Revenue beat(16)0.09%
PT rev (1m)-2.74%
PT rev (3m)4.41%
EPS NQ rev (1m)3.48%
EPS NQ rev (3m)12.81%
EPS NY rev (1m)0.51%
EPS NY rev (3m)0.51%
Revenue NQ rev (1m)0.31%
Revenue NQ rev (3m)4.22%
Revenue NY rev (1m)0.66%
Revenue NY rev (3m)0.09%
Valuation
Industry RankSector Rank
PE 12.81
Fwd PE 10.36
P/S 3.85
P/FCF 11.1
P/OCF 9.56
P/B 1.29
P/tB 1.51
EV/EBITDA N/A
EPS(TTM)4.58
EY7.81%
EPS(NY)5.66
Fwd EY9.65%
FCF(TTM)5.28
FCFY9.01%
OCF(TTM)6.14
OCFY10.46%
SpS15.23
BVpS45.42
TBVpS38.74
PEG (NY)0.87
PEG (5Y)1.81
Profitability
Industry RankSector Rank
ROA 1.05%
ROE 10.09%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.09%
GM N/A
FCFM 34.69%
ROA(3y)1.15%
ROA(5y)1.25%
ROE(3y)11.2%
ROE(5y)12.17%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.02%
PM growth 5Y-2.02%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.64
Debt/EBITDA N/A
Cap/Depr 95.1%
Cap/Sales 5.62%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 115.27%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.23%
ROIC/WACCN/A
Cap/Depr(3y)82.56%
Cap/Depr(5y)75.57%
Cap/Sales(3y)4.39%
Cap/Sales(5y)4.05%
Profit Quality(3y)133.2%
Profit Quality(5y)126.91%
High Growth Momentum
Growth
EPS 1Y (TTM)17.14%
EPS 3Y-5.33%
EPS 5Y7.08%
EPS Q2Q%21.5%
EPS Next Y14.69%
EPS Next 2Y13.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-17.34%
Revenue growth 3Y13.4%
Revenue growth 5Y13.85%
Sales Q2Q%12.17%
Revenue Next Year9.82%
Revenue Next 2Y8.39%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-6.64%
FCF growth 3Y7.78%
FCF growth 5Y14.65%
OCF growth 1Y4.38%
OCF growth 3Y10.73%
OCF growth 5Y12.73%