SMBC
Financial ServicesSouthern Missouri Bancorp, Inc. · Banks - Regional · $760M
What is Southern Missouri Bancorp, Inc.?
Southern Missouri Bancorp is a regional bank holding company serving individuals and businesses across Missouri, Arkansas, and Illinois through its subsidiary, Southern Bank. With roots stretching back to 1887, it has built a community-focused banking presence across dozens of branch locations.
Southern Missouri Bancorp generates revenue primarily through traditional banking activities — accepting deposits and extending loans to retail and commercial customers. Southern Bank operates a broad branch network across three states, offering everything from everyday checking accounts to business financing. Fee income from insurance, investing services, and digital banking products supplements its core lending business.
The holding company was incorporated in 1994 and is headquartered in Poplar Bluff, Missouri.
- Business banking and commercial financing
- Personal checking, savings, and mortgage products
- Online and mobile banking with debit and credit cards
- Investing and insurance services
Is SMBC a Good Stock to Buy?
UQS Score rates SMBC as Good overall, reflecting a balanced profile across its five analytical pillars.
The Quality pillar lands at a Good rating, suggesting the bank maintains reasonable earnings consistency and balance sheet discipline relative to peers. Valuation is rated Attractive, meaning the stock does not appear richly priced compared to fundamentals — a notable characteristic for income-oriented investors.
The Moat pillar registers as Weak, indicating limited structural competitive advantages beyond its regional footprint. Growth and Risk both sit at Neutral, pointing to a steady but unexceptional trajectory.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does SMBC pay dividends?
Yes — Southern Missouri Bancorp, Inc. pays a dividend.
Southern Missouri Bancorp pays a regular dividend, consistent with the income-distribution culture common among community and regional banks. The dividend reflects the company's relatively stable deposit-funded earnings model. Investors seeking modest, recurring income from a small-cap bank may find this cadence appealing alongside the Attractive valuation rating.
When does SMBC report earnings?
Southern Missouri Bancorp reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The bank's earnings profile reflects the dynamics of a community lender — net interest income driven by loan growth and deposit costs, with fee income playing a supporting role. Performance tends to track regional economic conditions and interest rate movements rather than dramatic quarter-to-quarter swings.
For the most recent quarter's results, visit Southern Missouri Bancorp's investor relations page directly.
SMBC Price History
+62.5% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Southern Missouri Bancorp, Inc.?
Based on Southern Missouri Bancorp, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
SMBC Long-term Outlook
With Growth rated Neutral and Risk also Neutral, SMBC's fundamental outlook suggests a measured, stable path rather than aggressive expansion. The Attractive Valuation label indicates the market may not be fully pricing in the bank's earnings power. Downside risks center on interest rate sensitivity and regional credit quality, while the branch network provides a degree of deposit stability.
Growth drivers
- Loan portfolio expansion across Missouri, Arkansas, and Illinois markets
- Fee income growth from digital banking and insurance services
- Potential for disciplined acquisitions in underserved community banking markets
Key risks
- Interest rate sensitivity compressing net interest margins
- Regional credit quality deterioration in a slower economic environment
- Limited moat leaving the bank exposed to competition from larger institutions and fintech entrants
SMBC vs Peers
Southern Missouri Bancorp competes with other community and regional bank holding companies across the Mid-South and broader US.
Great Southern Bancorp operates a similarly sized Midwest community banking franchise, with a comparable focus on deposit-funded lending but a somewhat different geographic concentration.
HomeTrust Bancshares serves the Southeast US, offering a regional peer comparison for investors evaluating community bank quality across different state markets.
Orrstown Financial is a smaller Mid-Atlantic community bank, providing a contrast in geography and scale while operating under a similar community-banking model.
Frequently Asked Questions
What does Southern Missouri Bancorp do?
Southern Missouri Bancorp is the holding company for Southern Bank, which provides personal and business banking services across Missouri, Arkansas, and Illinois. Products include checking and savings accounts, mortgages, commercial loans, and digital banking tools, along with investing and insurance services.
Does SMBC pay dividends?
Yes, Southern Missouri Bancorp pays a regular dividend. This is consistent with the income-distribution approach common among profitable community bank holding companies. Investors should verify the current dividend amount and payment schedule on the company's investor relations page.
When does SMBC report earnings?
Southern Missouri Bancorp follows a standard quarterly earnings cadence for US-listed companies. For the exact date of the next scheduled earnings release, check the company's investor relations page or a financial calendar service.
Is SMBC a good stock to buy?
UQS Score rates SMBC as Good overall. The Valuation pillar is Attractive and Quality is Good, but the Moat pillar is Weak. Whether it fits your portfolio depends on your goals — the full pillar breakdown is available to UQS Pro members.
Is SMBC overvalued?
Based on the UQS Valuation pillar, SMBC is rated Attractive, suggesting the stock is not considered expensive relative to its fundamentals. This does not guarantee future returns, but it indicates the market price may leave room relative to the bank's earnings profile.
How does SMBC compare to its competitors?
SMBC competes with regional peers such as Great Southern Bancorp, HomeTrust Bancshares, and Orrstown Financial Services. Each operates a community banking model, but they differ in geography, scale, and strategic focus. UQS Score provides side-by-side pillar comparisons for Pro members.
What is SMBC's market cap bracket?
Southern Missouri Bancorp is classified as a small-cap company. This places it in the tier of regional and community banks that are larger than micro-caps but well below the scale of major national or super-regional banking institutions.
Who founded Southern Missouri Bancorp?
Southern Bank, the operating subsidiary, traces its origins to 1887. The holding company, Southern Missouri Bancorp, Inc., was incorporated in 1994. Detailed founding history is publicly available through the company's official disclosures and investor relations materials.
Is SMBC a long-term quality investment?
UQS Score's long-term quality indicator for SMBC is Good, supported by reasonable earnings quality and an Attractive valuation. However, the Weak Moat rating is a consideration for long-term holders, as it suggests limited structural advantages protecting the franchise from competition over time.
What is the main competitive advantage of Southern Missouri Bancorp?
Southern Missouri Bancorp's primary advantage is its established community banking presence across a multi-state regional footprint, with deep local relationships built over more than a century. However, the UQS Moat pillar rates this advantage as Weak relative to broader sector peers.
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Pro Analysis
SMBC — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 7, 2026 | 56.7 | 77.2 | 27.0 | 48.0 | 44.9 | 95.2 | 0.0 |
| May 3, 2026 | 56.7 | 77.2 | 27.0 | 48.0 | 44.9 | 95.5 | -0.1 |
| May 2, 2026 | 56.8 | 77.2 | 27.0 | 48.0 | 44.9 | 96.0 | +0.2 |
| Apr 26, 2026 | 56.6 | 77.2 | 27.0 | 47.4 | 44.9 | 95.8 | 0.0 |
| Apr 24, 2026 | 56.6 | 77.2 | 27.0 | 47.4 | 44.9 | 95.5 | +0.1 |
| Apr 19, 2026 | 56.5 | 77.2 | 27.0 | 47.0 | 44.9 | 95.4 | 0.0 |
| Apr 18, 2026 | 56.5 | 77.2 | 27.0 | 47.0 | 44.9 | 95.6 | -0.6 |
| Apr 12, 2026 | 57.1 | 77.2 | 27.0 | 47.0 | 44.9 | 99.7 | -0.1 |
| Apr 11, 2026 | 57.2 | 77.2 | 27.0 | 47.0 | 44.9 | 100.0 | +0.1 |
| Apr 9, 2026 | 57.1 | 77.2 | 27.0 | 46.7 | 44.9 | 100.0 | -0.1 |
SMBC — Pillar Breakdown
Quality
— 78.3/100 (25%)Southern Missouri Bancorp, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 47.9/100 (20%)Southern Missouri Bancorp, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 36.4/100 (15%)Southern Missouri Bancorp, Inc. has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 94.8/100 (15%)Southern Missouri Bancorp, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 27/100 (25%)Southern Missouri Bancorp, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for SMBC.
Score Composition
Financial Data
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How is the SMBC UQS Score Calculated?
The UQS (Unified Quality Score) for Southern Missouri Bancorp, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Southern Missouri Bancorp, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Southern Missouri Bancorp, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.