# Southern Missouri Bancorp Inc. (SMBC) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $74.17, market value $817 million.

## Valuation
- **P/E (trailing): 11.6×** (5-yr avg 9.1×, 3-yr avg 9.9×). Southern Missouri Bancorp Inc. trades at 11.6× trailing earnings, well above its own five-year average of 9.1×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.5×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.61**. A PEG of 0.61 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.4×**. The shares trade at 1.4× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 11.0%** (5-yr avg 14.0%). Free cash flow equals 11.0% of the market value, below its five-year average of 14.0%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.7%**. The inverse of the P/E: 8.7% of the price is earned each year.

## Profitability
- **Return on equity: 10.8%**. 10.8% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 17.2%** (3-yr -0.2%/yr, 5-yr 11.6%/yr). Earnings per share rose 17.2%.
- **Free-cash-flow growth (3 yr): 6.3%/yr**. Free cash flow has compounded at 6.3% a year over three years, keeping pace with earnings: the growth is real cash.

## Dividends
- **Dividend yield: 1.38%** ($0.98 per share, trailing). Southern Missouri Bancorp Inc. yields 1.38%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 18%** (12% of free cash flow). 18% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 26**. 26 straight years of increases (the data covers 26 years, so this may be longer): a record very few companies hold.
- **Dividend growth (5 yr): 9.9%/yr** (1-yr 9.1%). The dividend has grown 9.9% a year over five years.

## Analyst view
- **Analyst consensus: hold** (3 analysts). 3 analysts cover Southern Missouri Bancorp Inc.; the consensus is hold, with an average price target of $83.67 (+13% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 29.2%** (YTD 26.4%, 3-mo 6.4%). The shares are up 29.2% over twelve months including dividends.
- **From 52-week high: -7.1%** (55.8% above the low). Trading 7% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 45**. An RSI of 45 is neutral.
- **Beta (1 yr): 0.51** (volatility 24%). Beta of 0.51 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=SMBC · Page: https://foliofundamentals.com/stocks/smbc

Not investment advice.