Southern Missouri Bancorp, Inc. (SMBC) - Stock Analysis
Last updated: Jan 14, 2026
Research Idea
Research content for general circulation. Not individualized advice. Methodology & Disclosures
Southern Missouri Bancorp presents strong earnings momentum with 25.6% net income growth, rising net interest margins, favorable industry tailwinds from Fed easing, recent Buy rating upgrades, and positive technical trends supporting near-term price upside.
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AI Analyst Overview
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Valuation Metrics
Fundamental Analysis
Key Financial Insights: ⢠Strong ROE ⢠Deposit concentration ⢠Quarterly profit dip SMBC is a wellâcapitalized, cashâgenerative bank trading at modest multiples (P/E ~10.9, P/B ~1.17) with strong annual profitability and FCF but recent quarterly profit softness, low asset turnover and concentrated deposit funding that warrant monitoring.
Price Behavior
Key Price Behavior Insights: ⢠Moderate uptrend ⢠Resistance band ⢠Support holding Support Level: $56.00â$57.00 Resistance Level: $61.50â$62.00 Over the last month SMBC climbed from about $54.44 to ~$59.80, showing moderate upward momentum with support at $56â$57, resistance near $61.50â$62.00, and intermittent pullbacks indicating profitâtaking risk.
Sentiment & News
Key News Insights: ⢠Dividend vs risk ⢠Valuation focus ⢠Analyst comparisons Comparative Jan 12 analysis assessed SMBC vs GOVB across dividends, risk, earnings, profitability, ownership, valuation and analyst ratings, underscoring investor focus on fundamentals rather than any SMBC-specific developments.
AI Summary
SMBC's transition from a depositâheavy regional bank to a margin-driven lender materially re-rates the stock into a tactical play: near-term upside if NIM expansion and loan growth persist, but that upside is capped by concentrated CRE and agricultural credit stress that could quickly reverse gains. Actionable: size positions modestly, monitor provision cadence vs. charge-offs, NIM durability through a rate cycle, and a decisive price break above 61.5â62.0 (bull) or below 56â57 (bear) for conviction.
Description
Southern Missouri Bancorp, Inc. is the bank holding company for Southern Bank, providing commercial and retail banking services including business lending and payment services, mortgages and consumer loans, deposit accounts, online and mobile banking, and wealth and insurance products. As of June 30, 2021, the company operated 46 full-service and two limited-service branches across Missouri, Arkansas and Illinois. The firm was founded in 1887 and is headquartered in Poplar Bluff, Missouri.
Idea History
| Date | Close | Ticker | Company | Summary | Status | P/L |
|---|---|---|---|---|---|---|
| Dec 12 | Dec 19 | SMBC | Southern Missouri Bancorp, Inc. | Southern Missouri Bancorp presents strong earnings momentum with 25.6% net income growth, rising net interest margins, favorable industry tailwinds from Fed easing, recent Buy rating upgrades, and positive technical trends supporting near-term price upside. | Closed | +1.5% |