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Upturn AI SWOT - About
SMBC 
Southern Missouri Bancorp Inc (SMBC)
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Upturn Advisory Summary
09/16/2025: SMBC (1-star) is a SELL. SELL since 1 days. Simulated Profits (-5.35%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $67
1 Year Target Price $67
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 15.86% | Avg. Invested days 38 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 617.49M USD | Price to earnings Ratio 10.56 | 1Y Target Price 67 |
Price to earnings Ratio 10.56 | 1Y Target Price 67 | ||
Volume (30-day avg) 2 | Beta 1.03 | 52 Weeks Range 44.71 - 67.84 | Updated Date 09/16/2025 |
52 Weeks Range 44.71 - 67.84 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 1.66% | Basic EPS (TTM) 5.18 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 33.27% | Operating Margin (TTM) 45.61% |
Management Effectiveness
Return on Assets (TTM) 1.22% | Return on Equity (TTM) 11.34% |
Valuation
Trailing PE 10.56 | Forward PE - | Enterprise Value 573597568 | Price to Sales(TTM) 3.51 |
Enterprise Value 573597568 | Price to Sales(TTM) 3.51 | ||
Enterprise Value to Revenue 4.08 | Enterprise Value to EBITDA - | Shares Outstanding 11290700 | Shares Floating 9568840 |
Shares Outstanding 11290700 | Shares Floating 9568840 | ||
Percent Insiders 14.96 | Percent Institutions 54.5 |
Upturn AI SWOT
Southern Missouri Bancorp Inc
Company Overview
History and Background
Southern Missouri Bancorp, Inc. was founded in 1890 as Southern Missouri Savings and Loan Association. It has grown through organic expansion and acquisitions, evolving into a full-service financial institution serving southern Missouri and surrounding areas.
Core Business Areas
- Community Banking: Provides traditional banking services, including deposit accounts, loans, and other financial products to individuals, small businesses, and commercial clients.
- Mortgage Lending: Offers residential mortgage loans for purchase, refinance, and construction.
- Wealth Management: Provides financial planning and investment advisory services.
Leadership and Structure
The company is led by its board of directors and executive management team. Greg Steffens serves as the Chairman and CEO. The organizational structure includes various departments overseeing lending, operations, finance, and wealth management.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers a variety of mortgage products. Market share data is fragmented regionally. Competitors include national banks (e.g., JPM, BAC), regional banks, and credit unions.
- Commercial Loans: Provides loans to businesses for working capital, equipment financing, and real estate. Market share is locally competitive. Competitors include other regional banks (e.g., CBKC), and credit unions.
- Deposit Accounts: Checking, savings, and time deposit accounts for consumers and businesses, locally competitive and includes national banks, regional banks (e.g., CBKC), and credit unions.
Market Dynamics
Industry Overview
The banking industry is facing increasing regulatory scrutiny, rising interest rates, and competition from fintech companies. Community banks are focusing on relationship banking and local expertise.
Positioning
Southern Missouri Bancorp is positioned as a community-focused bank offering personalized service and local expertise. It competes with larger national banks and other regional banks.
Total Addressable Market (TAM)
The TAM for banking services in Southern Missouri's geographic area is estimated to be in the billions of dollars. Southern Missouri Bancorp captures a portion of this TAM through its various banking activities.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Dependence on local economy
- Brand recognition (lower than competitors)
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Acquisitions of smaller banks
- Growth in wealth management business
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- CBKC
- OZRK
- HBNC
Competitive Landscape
Southern Missouri Bancorp competes with larger regional banks and smaller community banks. Its competitive advantages include its local focus and personalized service. Disadvantages include it's smaller capital base.
Major Acquisitions
Peoples Bancshares, Inc.
- Year: 2021
- Acquisition Price (USD millions): 36
- Strategic Rationale: Expanded market presence in Southeast Missouri.
Growth Trajectory and Initiatives
Historical Growth: Southern Missouri Bancorp has grown steadily through organic expansion and strategic acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings, driven by loan growth and efficiency improvements.
Recent Initiatives: Recent initiatives include expanding digital banking services and entering new markets.
Summary
Southern Missouri Bancorp demonstrates a stable financial performance, with consistent growth in revenue, net income and EPS. Its strength lies in its community-focused banking model and established customer relationships. However, it faces threats from larger competitors, fluctuating interest rates, and economic downturns. Continued expansion into new markets and adoption of digital banking could drive future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Analyst Reports
- Company Website
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated and may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Southern Missouri Bancorp Inc
Exchange NASDAQ | Headquaters Poplar Bluff, MO, United States | ||
IPO Launch date 1994-04-12 | Chairman & CEO Mr. Greg A. Steffens | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 696 | Website https://www.bankwithsouthern.com |
Full time employees 696 | Website https://www.bankwithsouthern.com | ||
Southern 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. 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. It also provides loans secured by mortgages on one- to four-family residences and commercial and agricultural real estate; construction loans on residential and commercial properties; commercial and agricultural business loans; and consumer loans. In addition, the company offers fiduciary and investment management services; commercial and consumer insurance products; and debit or credit cards. The company was founded in 1887 and is headquartered in Poplar Bluff, Missouri.
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