US · SMBC
Southern Missouri Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Poplar Bluff, MO 63901
- Website
- bankwithsouthern.com
Price · as of 2025-06-30
$68.53
Market cap 687.71M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $58.39 | -14.8% |
| Intrinsic Value(DCF) | $103.08 | +50.42% |
| Graham-Dodd Method(GD) | $56.02 | -18.26% |
| Graham Formula(GF) | $100.71 | +46.95% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $8.10 | $76.97 | $22.34 | $21.74 | $86.39 |
| 2012 | $9.66 | $132.64 | $17.49 | $21.53 | $34.37 |
| 2013 | $10.80 | $37.34 | $15.29 | $17.66 | $4.54 |
| 2014 | $14.45 | $44.43 | $16.18 | $18.91 | $31.63 |
| 2015 | $17.14 | $45.15 | $20.60 | $21.22 | $83.57 |
| 2016 | $20.93 | $46.35 | $18.70 | $20.66 | $22.75 |
| 2017 | $28.52 | $36.88 | $23.35 | $26.39 | $36.38 |
| 2018 | $34.69 | $53.18 | $22.75 | $26.89 | $77.70 |
| 2019 | $29.61 | $47.99 | $31.80 | $32.35 | $95.94 |
| 2020 | $22.14 | $31.24 | $27.68 | $32.49 | $53.48 |
| 2021 | $40.35 | $41.00 | $33.18 | $46.61 | $74.40 |
| 2022 | $49.18 | $33.47 | $37.13 | $46.55 | $75.25 |
| 2023 | $39.77 | $41.03 | $40.36 | $40.78 | $183.18 |
| 2024 | $53.02 | $41.74 | $363.21 | $48.35 | $184.04 |
| 2025 | $56.88 | $58.39 | $478.65 | $56.02 | $100.70 |
AI valuation
Our deep-learning model estimates Southern Missouri Bancorp, Inc.'s (SMBC) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $58.39
- Current price
- $68.53
- AI upside
- -14.8%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$103.08
+50.42% upside
Graham-Dodd
$56.02
-18.26% upside
Graham Formula
$100.71
+46.95% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| SMBC | Southern Missouri Bancorp… | $68.53 | 687.71M | -15% | +50% | -18% | +47% | 10.92 | 1.17 | 2.10 | 1.52 | 63.49 | 1.36 | 57.68% | 24.24% | 19.10% | 11.34% | 70.12% | 1.22% | 0.26 | 0.60 | 1.09 | 1.09 | -0.60 | 1719.00% | 1172.00% | 2299.00% | 11.77% | 0.02 | 90.13% | 1.62% | 17.70% | 21.02% | 1.73 | 1.70 | 0.42 | 0.39 |
| BCAL | Southern California Banco… | $18.31 | 591.83M | +194% | +14% | +30% | +249% | 9.53 | 1.04 | 2.58 | 4.39 | 1.23 | 1.34 | 79.37% | 37.75% | 27.06% | 11.59% | 16.62% | 1.56% | 0.12 | 1.55 | 0.24 | 0.24 | 0.22 | 77727.00% | 2623.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 1.31% | 4.39 | — | 1.66 | 0.02 |
| CAC | Camden National Corporati… | $46.16 | 781.13M | +11% | +40% | -50% | +83% | 10.94 | 1.09 | 2.00 | 4.79 | 50.00 | 1.33 | 59.41% | 22.59% | 18.29% | 10.33% | 18.19% | 0.92% | 1.03 | 0.56 | 0.15 | 0.15 | 4.76 | 2189.00% | 1574.00% | -1469.00% | 9.54% | 0.01 | 19.00% | 4.23% | 46.30% | 21.78% | 5.07 | 6.00 | 1.15 | -0.62 |
| CUBI | Customers Bancorp, Inc. | $67.44 | 2.31B | -4% | +374% | +33% | +16% | 10.54 | 1.12 | 1.67 | 5.88 | 48.32 | 1.12 | 51.59% | 21.97% | 15.84% | 11.34% | -65.45% | 0.95% | 0.81 | 0.51 | 1.19 | 1.19 | 4.67 | 2181.00% | 394.00% | 50225.00% | 20.37% | 0.03 | -130.40% | 0.46% | 4.80% | 6.73% | 6.65 | 4.30 | 1.46 | 0.39 |
| FCBC | First Community Bankshare… | $39.13 | 716.66M | +34% | -19% | -57% | +1% | 13.12 | 1.29 | 3.85 | 6.39 | 249.21 | 1.83 | 86.77% | 37.35% | 29.34% | 10.02% | 22.69% | 1.58% | 0.00 | 3.34 | 0.08 | 0.08 | -1.10 | 526.00% | 614.00% | -699.00% | 8.12% | 0.02 | 24.15% | 3.25% | 42.70% | 4.77% | 7.02 | 8.39 | 2.62 | -0.49 |
| GSBC | Great Southern Bancorp, I… | $61.53 | 688.48M | +41% | -23% | +41% | -51% | 10.09 | 1.13 | 2.09 | 3.38 | 57.04 | 1.14 | 66.93% | 25.43% | 20.67% | 11.49% | 18.06% | 1.23% | 0.64 | 0.77 | 2.54 | 2.54 | 3.52 | 1768.00% | -337.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 3.38 | — | 0.86 | 0.46 |
| IBCP | Independent Bank Corporat… | $34.75 | 719.05M | +17% | -26% | -37% | +75% | 9.56 | 1.40 | 2.02 | 6.64 | 72.10 | 1.69 | 66.92% | 26.25% | 21.11% | 15.55% | 112.83% | 1.26% | 0.27 | 0.83 | 0.03 | 0.03 | 0.05 | 1326.00% | 1145.00% | -2065.00% | 8.64% | 0.01 | 93.25% | 3.14% | 30.00% | 3.14% | 7.44 | 11.19 | 1.95 | -0.77 |
| MCBS | MetroCity Bankshares, Inc… | $28.10 | 809.79M | +75% | +6% | -40% | +78% | 10.75 | 1.65 | 2.96 | 9.11 | 43.44 | 1.65 | 59.36% | 37.25% | 27.52% | 16.07% | 11.65% | 1.82% | 0.91 | 0.92 | 0.10 | 0.10 | 1.62 | 2475.00% | 1196.00% | -1938.00% | 8.97% | 0.02 | 11.24% | 3.04% | 32.60% | 9.77% | 9.42 | 13.22 | 3.51 | -0.41 |
| SMBK | SmartFinancial, Inc. | $39.21 | 667.72M | -22% | -16% | -25% | +42% | 14.87 | 1.09 | 1.88 | -1.75 | 55.85 | 1.39 | 58.31% | 15.94% | 12.67% | 7.60% | -21.66% | 0.72% | 0.10 | 0.40 | 0.16 | 0.16 | -5.73 | 2663.00% | 1868.00% | 3842.00% | 8.61% | 0.01 | -27.74% | 1.01% | 15.00% | 17.58% | -2.19 | -2.15 | -0.35 | -0.69 |
| SPFI | South Plains Financial, I… | $40.96 | 667.39M | -6% | -27% | -21% | +59% | 11.00 | 1.25 | 1.93 | 0.43 | — | 1.40 | 65.35% | 22.36% | 17.56% | 11.75% | -133.01% | 1.18% | 0.25 | 0.67 | 0.18 | 0.18 | -3.56 | -1934.00% | 1392.00% | 403.00% | 10.25% | 0.02 | -149.89% | 1.67% | 18.40% | 7.18% | 0.47 | 0.53 | 0.11 | -0.51 |
| THFF | First Financial Corporati… | $63.36 | 750.85M | +78% | -16% | +26% | +48% | 9.70 | 1.18 | 2.35 | -0.29 | 14.47 | 1.43 | 77.68% | 30.44% | 24.26% | 13.20% | -77.42% | 1.40% | 0.74 | 1.31 | 4.47 | 4.47 | 3.23 | 6700.00% | 616.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -0.31 | — | -0.10 | 0.60 |
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 business banking, business financing, and business services. It also provides personal banking services, which include online and mobile banking, checking and savings, mortgage and refinance, and loans and credit services. In addition, the company offers investing and insurance services. Further, it provides accounts and digital banking services; and debit or credit cards. As of June 30, 2021, the company operated 46 full-service branch offices, and two limited-service branch offices located in Poplar Bluff, Van Buren, Dexter, Kennett, Doniphan, Sikeston, Qulin, Matthews, Springfield, Thayer, West Plains, Alton, Clever, Forsyth, Fremont Hills, Kimberling City, Ozark, Nixa, Rogersville, Marshfield, Cape Girardeau, Jackson, Gideon, Chaffee, Benton, Advance, Bloomfield, Essex, and Rolla, Missouri; Jonesboro, Paragould, Batesville, Searcy, Bald Knob, Bradford, and Cabot, Arkansas; and Anna, Cairo, and Tamms, Illinois. Southern Missouri Bancorp, Inc. was founded in 1887 and is headquartered in Poplar Bluff, Missouri.
- CEO
- Greg A. Steffens
- Employees
- 693
- Beta
- 0.96
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($103.08 ÷ $68.53) − 1 = +50.42% (DCF, example).