Southern Missouri Bancorp, Inc.
SMBCFinancial ServicesNASDAQBanks - Regional · Last scanned Jun 3, 2026
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Daily timeframeSouthern 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. With a market capitalization of $766.4M, it sits in small-cap territory. 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.
Market Cap
$766.4M
Beta
0.89
P/E (TTM)
11.63
P/E (Fwd)
10.31
EPS (TTM)
$5.98
EPS (Fwd)
$6.75
ROE
12.2%
ROA
1.3%
Cash
$93.8M
Total Debt
$155.6M
Free CF
—
52W Change
34.9%
Annual Financials
Cash vs Debt
On the balance sheet, SMBC has $93.8M in cash with $155.6M in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Return on equity stands at 12.2%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.3% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $124.8M (2022) to $182.6M (2025), reflecting a 46% increase over the period.
Investors considering Southern Missouri Bancorp, Inc. should weigh the typical risks associated with SMBC's sector, size, and financial profile against their own risk tolerance and investment objectives. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Southern Missouri Bancorp, Inc. and its sector.