SMBC

Southern Missouri Bancorp, Inc.

Financial Services · $781M market cap

Verdict

Share price

$72.59

close of Oct 3, 2026

Fair value

$114.49

Sticker Price

Payback Price

$45.80

buy price

Undervalued

SMBC is Undervalued: at $72.59 it trades 37% below its fair value of $114.49. Its buy price (Payback Price) is $45.80, 37% below today's price. Business quality is strong: 4 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

4 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth16.4% a year✓
Equity per share growth10.4% a year✓
Sales growth14.8% a year✓
Free cash flow growth18.3% a year✓
Return on invested capital8.9%✗

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Insider activity

Since Jul 29, 2026: no open-market purchases, 6 sales worth $1.3M and 3 other filings (stock awards, tax withholding and similar). Why purchases matter

Sales

Other filings

About Southern Missouri Bancorp, Inc.

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…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works