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Upturn AI SWOT - About
SMBC 
Southern Missouri Bancorp Inc (SMBC)
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Upturn Advisory Summary
11/05/2025: SMBC (1-star) is currently NOT-A-BUY. Pass it for now.
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 $63.5
1 Year Target Price $63.5
| 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 PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 604.05M USD | Price to earnings Ratio 9.8 | 1Y Target Price 63.5 |
Price to earnings Ratio 9.8 | 1Y Target Price 63.5 | ||
Volume (30-day avg) 2 | Beta 0.99 | 52 Weeks Range 44.71 - 67.84 | Updated Date 11/7/2025 |
52 Weeks Range 44.71 - 67.84 | Updated Date 11/7/2025 | ||
Dividends yield (FY) 1.77% | Basic EPS (TTM) 5.46 |
Earnings Date
Report Date 2025-10-23 | When Before Market | Estimate 1.31 | Actual 1.38 |
Profitability
Profit Margin 34.53% | Operating Margin (TTM) 47.14% |
Management Effectiveness
Return on Assets (TTM) 1.27% | Return on Equity (TTM) 11.59% |
Valuation
Trailing PE 9.8 | Forward PE - | Enterprise Value 624942656 | Price to Sales(TTM) 3.38 |
Enterprise Value 624942656 | Price to Sales(TTM) 3.38 | ||
Enterprise Value to Revenue 3.89 | Enterprise Value to EBITDA - | Shares Outstanding 11290667 | Shares Floating 9564324 |
Shares Outstanding 11290667 | Shares Floating 9564324 | ||
Percent Insiders 14.12 | Percent Institutions 54.61 |
Upturn AI SWOT
Southern Missouri Bancorp Inc
Company Overview
History and Background
Southern Missouri Bancorp, Inc. was founded in 1890 as Southern Missouri Bank. The company has grown through organic expansion and acquisitions, becoming a regional bank serving southern Missouri and northern Arkansas.
Core Business Areas
- Community Banking: Provides traditional banking services, including checking and savings accounts, loans (commercial, real estate, consumer), and other financial products to individuals and businesses.
- Wealth Management: Offers wealth management and trust services to individuals and families.
Leadership and Structure
Greg Steffens serves as the Chairman and CEO. The company operates with a traditional bank organizational structure, with various departments handling lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for businesses to expand operations, acquire assets, or manage cash flow. Market share data is not publicly available on a granular level, but Southern Missouri Bank competes with other regional and national banks such as US Bancorp (USB) and Commerce Bancshares (CBSH).
- Revenue Data: Revenue data for commercial loans is proprietary and not publicly available.
- Real Estate Loans: Offer mortgage and construction loans for residential and commercial properties. Market share data is not publicly available on a granular level. Competitors include national mortgage lenders and other regional banks, such as Simmons First National Corporation (SFNC) and Arvest Bank.
- Deposit Products: Checking, savings, and money market accounts for individuals and businesses. Market share data not available; Competitors include national banks (e.g., Bank of America BAC, JPMorgan Chase JPM) and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, potential economic slowdown, and increased competition from fintech companies. Regulatory scrutiny and compliance costs are also significant factors.
Positioning
Southern Missouri Bancorp positions itself as a community-focused bank with strong local relationships. Its competitive advantage lies in its personalized service and understanding of the local market.
Total Addressable Market (TAM)
The TAM for banking services in Southern Missouri and Northern Arkansas is estimated in the billions of dollars. Southern Missouri Bancorp is positioned to capture a significant portion of this TAM through its community focus and established presence.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Established customer relationships
- Conservative lending practices
- Experienced management team
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Dependence on traditional banking model
- Lower brand recognition outside its service area
Opportunities
- Expansion into new markets through acquisitions
- Increased focus on digital banking services
- Growth in wealth management business
- Capitalizing on the local economy
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn in the region
- Regulatory changes
Competitors and Market Share
Key Competitors
- USB
- CBSH
- SFNC
Competitive Landscape
Southern Missouri Bancorp competes with larger national and regional banks, as well as smaller community banks. Its advantage lies in its local focus and strong customer relationships, but it faces challenges from competitors with greater resources and wider product offerings.
Major Acquisitions
Valley View Financial Bank
- Year: 2023
- Acquisition Price (USD millions): 30.7
- Strategic Rationale: Expanded market presence into Arkansas and increased deposit base.
Growth Trajectory and Initiatives
Historical Growth: Discuss Southern Missouri Bancorp Inc's growth trends over the past years.
Future Projections: Provide projections for Southern Missouri Bancorp Inc's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by Southern Missouri Bancorp Inc.
Summary
Southern Missouri Bancorp is a stable community bank with a strong local presence. Its focus on traditional banking and customer relationships is a strength, but limited geographic reach and competition pose challenges. Recent acquisitions are strategic for expanding market share, but it must adapt to digital banking trends to remain competitive. Overall, it is a good value but the company needs to be careful of its current size as the world goes digital.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Investor Relations
- Third-party financial data providers (e.g., Yahoo Finance)
Disclaimers:
This analysis is based on available information and should not be considered financial advice. Market conditions and company performance may change.
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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