SMBC
Southern Missouri Bancorp, Inc.
Financial Services · Banks - Regional · NGM
$69.19
Close 2026-05-28
✗ ETHICAL FAIL

UNKNOWN MOAT
HIGH
Data Confidence: 100%
Full financial profile available
Market Cap
$762.2M
Trailing P/E
11.57
Forward P/E
10.25
Rev Growth
+6.5%
Profit Margin
36.3%
ROE
12.2%
Analyst Target
$73.00
Recommendation
NONE
About Southern Missouri Bancorp, Inc.

Southern Missouri Bancorp, Inc. operates as the bank holding company for Southern Bank that provides banking and financial services to individuals and corporate customers in the United States. The company offers deposits products, including interest-bearing and noninterest-bearing transaction accounts, money market deposit accounts, saving accounts, certificates of deposit, and retirement savings plans. It also provides loans secured by mortgages on one- to four-family residences and commercial and agricultural real estate; construction loans on residential and commercial properties; commercial and agricultural business loans; and consumer loans. In addition, the company offers fiduciary and investment management services; commercial and consumer insurance products; and debit or credit cards. The company was founded in 1887 and is headquartered in Poplar Bluff, Missouri.

Ethical Screen
Business ActivityFAIL
Debt RatioN/A
Cash RatioN/A
Receivables RatioN/A
Revenue RatioN/A
OverallFAIL
Score Ethical: 50.0
Score Valuation: 71.5
Score Quality: 67.2
Score Combined: 55.2

Full Analysis

Opportunity scores, earnings history, insider transactions, institutional holders, analyst consensus, and more.

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Opportunity Scores
Valuation100.0
Quality71.1
Cash Flow50.0
Moat40.0
Balance Sheet50.0
Debt Purity50.0
Liquid Purity50.0
Rev Purity50.0
Compliance100.0
Tier: BRONZE · Score: 53.6 · Rank: #1116
Insider Transactions
No insider transaction data.
Top Institutional Holders
No institutional holder data.
Additional Fundamentals
Enterprise Value
$824.2M
Price/Book
1.36
Beta
0.885
Analysts
3
Total Revenue (TTM)
$185.7M
Total Debt
$155.6M
Earnings Growth
+15.2%
Dividend Yield
144.0%
Short Ratio
1.96
Short % Float
0.0%
Employees
696

Elite Intelligence

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Trade Consideration
The Opportunity
Score 55.2 (P86 — top 14.3% of scored tickers). Unknown Moat. Ethical FAIL. 3 analysts at None.
Price: $69.19 | Target: $73.33 (+6%)
Score
55
Moat
Unknown
Conviction
Standard
Upside
+6%
The Fundamentals
Revenue Growth+6.5%
Profit Margin36.3%
ROE12.2%
Forward P/E10.3
Market Cap$762.2M
Position Sizing Scenarios
Stop: $58.82 (-15%) | Entry: $69.19
SharesCostProfit to TargetR:R
To Consensus ($73.33, 3 analysts)
10$691.95+$41.40 (6%)0.4R
50$3,459.75+$207.00 (6%)0.4R
100$6,919.50+$414.00 (6%)0.4R
Risk Factors
  • No elevated risk flags in current data
The Verdict
Southern Missouri Bancorp, Inc. holds a unknown competitive moat.
Quantitative Grade

A single score combining all analytical layers below. A is strongest, D is weakest.

B
Quant Score
63.2
Risk Grade
LOW_RISK
Layers
7
Risk Profile

How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.

VaR 95%
-2.9%
worst expected daily loss, 19 in 20 days
CVaR 95%
-4.4%
avg loss on the worst 5% of days
Annual Volatility
Sortino Ratio
1.35
above 1.0 is good
Max Drawdown
-29.2%
Worst Day
Forward Outlook

Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.

30d Prob Up
90d Prob Up
Median Return 30d
Liquidity Score
70
Liquidity Grade
LIQUID
Trend & Momentum

What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?

Kalman Trend
Trend Strength
Momentum Signal
HMM Regime
RSI Signal
Technical Signals

Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.

MA Crossover
ABOVE_200
Bollinger Position
UPPER_HALF
Beta
Relative Volume
0.7x
Short Interest
Financial Health

Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.

Altman Z-Score
below 1.81 = distress zone
Piotroski F-Score
Earnings Beat Rate
Earnings Consistency
Correlations

These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.

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Inverse Correlated
TickerCorrelation
SUNC-0.195
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CBOE-0.170
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Seasonality

Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.

Best Day
Tuesday
Worst Day
Friday
Best Month
Jul
Worst Month
Sep
Fri-Mon Effect
-0.6594922123672784
Momentum Rankings

How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.

1M Return
-0.4%
3M Return
+7.6%
6M Return
+26.1%
12M Return
+31.1%
Momentum Rank
#1438
Momentum Signal
UP

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