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← CockpitCompetitor Analysis › SMBC Southern Missouri Bancorp, Inc.Open in the cockpit ↗

Southern Missouri Bancorp, Inc.SMBCCompetitor analysis, valuation and peers

United States · USD·Financials›Savings Banks
Momentum neutral 47
Mkt cap
$775M
US dollars, full cap
Free float
86%
of shares outstanding
$/day
$6.23M
20-day average traded
P/B
1.29×
price to book
ROE
12.9%
delivered
Implied ROE
10.5%
what the price asks
Next earnings
80 days
25 Jan 2027
Close · USD$70.46
1D-0.2%
1W-0.3%
1M-1.4%
3M-7.8%
6M+1.8%
YTD+19.2%
1Y+31.0%
ATR %2.3%
Beta0.31
52w lowhigh11.8% off high

What Southern Missouri Bancorp does

Employees: 739

Southern Missouri Bancorp at a glance

Size Southern Missouri Bancorp (SMBC) is a United States Financials company (Savings Banks) with a market value of $775M, the 2421st largest of 3,117 United States companies the cockpit tracks. Shares closed at $70.46 on 6 Nov 2026.

Performance Over six months the shares gained 1.8%, against +6.5% for the median peer and -1.1% for the United States market (cap-weighted) — 7th lowest of 20 in its peer set.

Growth Revenue grew 3.1% over the last twelve months (peer median +5.9%); the operating margin is 44.6% (peer median 39.9%).

Valuation It trades at 1.29× book value against a peer median of 1.05× (6th most expensive of 20).

Price implies The share price implies a return on equity of about 10.5%; Southern Missouri Bancorp delivers 12.9%, so the price asks less than the business earns today.

Short interest Short interest is 3.9% of the free float (15 Oct 2026).

Next results Next results expected around 25 Jan 2027 (exchange calendar; dates can move).

Relative performance

10011011 May 202611 Aug 20266 Nov 2026Peer median 109SMBC 104
Six months, rebased to 100: Southern Missouri Bancorp against the median of its 20 peers (local-currency closes).

Southern Missouri Bancorp financials

Reported figures in USD; fiscal year ends 2026-06-30. TTM = trailing twelve months.
TTMFY2026FY2025FY2024FY2023
Revenue$320M$317M$305M$273M$203M
Revenue growth—+4%+12%+35%—
Net income$75.0M$71.5M$58.3M$49.9M$39.0M
Free cash flown/a$76.6M$75.3M$61.2M$56.0M
Capital expendituren/a$4.33M$6.88M$9.05M$6.04M
Total debt$164M$173M$149M$137M$163M

Quarterly statements and history in the cockpit →

Southern Missouri Bancorp competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

0%+20%+40%0%+10%HIFSTCBXTRSTGCBCSOAGMORGKRNYCFFNPDLBAVBCTFINTSBKFSBWOCFCSHAWNWBIPFSCLBKSMBC6-month return →1-month return →
Up and to the right = strong over both horizons. Southern Missouri Bancorp is the large dot.

Fundamentals: return on equity against price-to-book

5%10%15%10×1.50×20×HIFSTCBXTRSTGCBCSOAGMORGKRNYCFFNPDLBHELGAVBCTFINTSBKFSBWOCFCSHAWNWBIPFSCLBKSMBCReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. Southern Missouri Bancorp is the large dot.

Capital: ROE delivered against the ROE the price implies

5%10%15%5%10%15%HIFSTCBXTRSTGCBCSOAGMORGKRNYCFFNPDLBHELGAVBCTFINFSBWOCFCNWBIPFSCLBKSMBCROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. Southern Missouri Bancorp is the large dot.

Southern Missouri Bancorp competitors and peer comparison

How Southern Missouri Bancorp compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

Southern Missouri Bancorp against its 20 peers (data as of 6 Nov 2026)
MeasureSMBCPeer medianRank in peer set
1-month return-1.4%+2.0%5th lowest of 21
6-month return+1.8%+6.5%7th lowest of 20
Return on equity12.9%10.0%2nd highest of 20
Price / book1.29×1.05×6th most expensive of 20
Trailing P/E10.4×12.1×5th cheapest of 20
ROE the price implies10.5%8.1%5th most demanding of 20
ROE delivered12.9%10.0%2nd highest of 20

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
Southern Missouri Bancorp SMBCUnited States$775M+2%+3%13%1.29×10.5%12.9%
Hingham Institution for Savings HIFSUnited States$647M+5%+3%13%1.26×10.6%12.6%
Third Coast Bancshares TCBXUnited States$646M+1%+18%13%0.96×7.9%12.7%
TrustCo Bank Corp NY TRSTUnited States$947M+17%+6%10%1.50×10.7%10.0%
Greene County Bancorp GCBCUnited States$615M+51%+8%17%2.15×12.5%16.7%
SpareBank 1 Ostfold Akershus SOAG.OLNorway$609M-4%+2%12%1.14×6.2%12.1%
Sparebanken More MORG.OLNorway$604M-2%-15%12%0.65×4.9%11.6%
Kearny Financial KRNYUnited States$585M+10%+1%5%0.77×6.8%4.9%
Capitol Federal Financial CFFNUnited States$1.06B+7%+6%8%1.04×8.4%8.4%
Ponce Financial PDLBUnited States$525M+22%+15%8%1.49×9.7%8.2%
SpareBank 1 Helgeland HELG.OLNorway$507M+4%-4%7%0.92×5.6%6.7%
American Savings Bank N.A ASBHUnited States$1.30Bn/an/an/an/an/an/a
Avidia Bancorp AVBCUnited States$448M+11%+5%7%1.18×7.0%7.3%
Triumph Financial TFINUnited States$1.46B-8%+13%5%1.57×17.5%5.3%
Timberland Bancorp TSBKUnited States$373M+17%+4%12%1.35×7.7%11.6%
FS Bancorp FSBWUnited States$343M+6%+6%9%1.01×8.4%9.1%
OceanFirst Financial OCFCUnited States$1.82B-4%+31%2%0.75×8.1%2.3%
Shawbrook SHAW.LUnited Kingdom$1.96B-12%+5%12%0.79×8.0%12.2%
Northwest Bancshares NWBIUnited States$2.23B+10%+13%11%1.18×9.3%10.7%
Provident Financial Services PFSUnited States$2.99B+2%+4%11%1.05×9.2%11.0%
Columbia Financial CLBKUnited States$2.99B+25%+23%2%0.95×6.2%2.3%

Questions

Which companies are Southern Missouri Bancorp's closest peers?
The cockpit's peer set: Hingham Institution for Savings (HIFS), Third Coast Bancshares (TCBX), TrustCo Bank Corp NY (TRST), Greene County Bancorp (GCBC), SpareBank 1 Ostfold Akershus (SOAG.OL), Sparebanken More (MORG.OL), Kearny Financial (KRNY), Capitol Federal Financial (CFFN).
Is Southern Missouri Bancorp expensive compared with its peers?
On price / book it trades at 1.29× against a peer median of 1.05×, 6th most expensive of 20 in its peer set. The share price implies a return on equity of about 10.5%; Southern Missouri Bancorp delivers 12.9%, so the price asks less than the business earns today.
How has Southern Missouri Bancorp stock performed?
Over six months to 6 Nov 2026 the shares returned +1.8% against +6.5% for the median peer; over one year +31.0%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.