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SOUTHERN MISSOURI BANCORP

SMBCNASDAQ
πŸ† #2655 by market capEarnings Oct 26US Equity
$129.48β–² $8.68 (+6.70%)
Simulated price
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24hβ–² 6.7%
7dβ–² 80.9%
14dβ–² 76.5%
30dβ–² 74.7%
ytdβ–² 119.0%
1yβ–² 138.6%
🏦Market Cap
$796M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+62.2%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
30.4%
Strong
βš–οΈP/S Ratio
3.2x
Fair
Otter Score
88
Very Good

Trading Snapshot

Day Range
$128.01 – $131.14
52-Week Range
$47.60 – $79.86
Volume
$4.78B
Avg Volume
$6.23B
Shares Outstanding
11.0M
Next Earnings
Oct 20, 2026

Fundamentals Snapshot

Annual Revenue
$317M
Last Q Revenue
$73M
P/E Ratio
11.1
P/S Ratio
3.2x
EPS (TTM)
$6.46
Dividend Yield
1.40%
Dilution (1yr)
βˆ’1.5%

Why Investors Own SMBC

  • βœ“High-growth profile β€” revenue up +52.9% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 77% gross margin and 25% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

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SOUTHERN MISSOURI BANCORP

SMBC
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$317Mβ–² +3.7% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
59.7%β–² +3.5% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$87Mβ–² +17.7% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$77Mβ–² +1.7% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
11.0Mβ–Ό βˆ’1.5% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$57Mβ–Ό βˆ’$46M YoY
StockOtter Β· stockotter.space

About SOUTHERN MISSOURI BANCORP

Southern Missouri Bancorp, Inc., established in 1887 and headquartered in Poplar Bluff, Missouri, functions as the parent company for Southern Bank. Through its subsidiary, it delivers a comprehensive suite of banking and financial solutions to both individual consumers and businesses across the United States. The company's offerings encompass a wide range of personal banking services, including checking and savings accounts, online and mobile banking, mortgages, refinancing options, and various loans and credit facilities. For corporate clients, it provides business banking, financing, and a variety of supporting business services. Additionally, Southern Missouri Bancorp extends its financial product portfolio to include investment and insurance services, digital banking, and debit and credit cards. As of June 30, 2021, the institution maintained a significant physical presence with 46 full-service and two limited-service branch locations. These branches are strategically distributed throughout numerous towns in Missouri (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), Arkansas (Jonesboro, Paragould, Batesville, Searcy, Bald Knob, Bradford, and Cabot), and Illinois (Anna, Cairo, and Tamms).

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Very Good
88/100

Analyst Ratings

β“˜
Consensus
Buy
9 analysts
Strong Buy3
Buy3
Hold3
Sell0
Strong Sell0
Ratings as of Sep 2026

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