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Upturn AI SWOT - About
SMBC 
Southern Missouri Bancorp Inc (SMBC)
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Upturn Advisory Summary
07/02/2025: SMBC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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
1 Year Target Price $63
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 32.24% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/02/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 640.48M USD | Price to earnings Ratio 11.38 | 1Y Target Price 63 |
Price to earnings Ratio 11.38 | 1Y Target Price 63 | ||
Volume (30-day avg) 2 | Beta 0.98 | 52 Weeks Range 42.42 - 68.14 | Updated Date 07/2/2025 |
52 Weeks Range 42.42 - 68.14 | Updated Date 07/2/2025 | ||
Dividends yield (FY) 1.68% | Basic EPS (TTM) 4.98 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 32.57% | Operating Margin (TTM) 47.38% |
Management Effectiveness
Return on Assets (TTM) 1.17% | Return on Equity (TTM) 11.17% |
Valuation
Trailing PE 11.38 | Forward PE - | Enterprise Value 540970944 | Price to Sales(TTM) 3.7 |
Enterprise Value 540970944 | Price to Sales(TTM) 3.7 | ||
Enterprise Value to Revenue 4.33 | Enterprise Value to EBITDA - | Shares Outstanding 11300000 | Shares Floating 9568017 |
Shares Outstanding 11300000 | Shares Floating 9568017 | ||
Percent Insiders 14.95 | Percent Institutions 53.04 |
Upturn AI SWOT
Southern Missouri Bancorp Inc
Company Overview
History and Background
Southern Missouri Bancorp, Inc. was founded in 1890 as a mutual savings institution. It converted to a stock holding company in 1994 and has grown through organic expansion and acquisitions, focusing on community banking in the Midwest.
Core Business Areas
- Community Banking: Provides traditional banking services including deposit accounts, loans (commercial, real estate, consumer), and other related services to individuals and businesses.
- Wealth Management: Offers trust and investment management services.
Leadership and Structure
Greg Steffens serves as the Chairman and CEO. The company operates with a traditional corporate structure, with various departments managing lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans for commercial properties. Market share information is not readily available at this granular level. Competitors include other regional and national banks.
- Residential Mortgages: Mortgages for residential properties. Market share information is not readily available at this granular level. Competitors include other regional and national banks and mortgage companies.
- Deposit Accounts: Checking, savings, and money market accounts. Market share information is not readily available at this granular level. Competitors include other regional and national banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, regulatory changes, and increasing competition from non-bank financial institutions. Fintech companies are also disrupting traditional banking models.
Positioning
Southern Missouri Bancorp focuses on community banking in the Midwest, emphasizing relationship-based services. Its competitive advantage lies in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
TAM is the total banking market in the Midwest region which is estimated to be billions of dollars. Southern Missouri Bancorp's share is a small portion, but they are well positioned in specific regions.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Relationship-focused banking model
- Experienced management team
- Solid capital base
- Stable performance
Weaknesses
- Limited geographic diversification
- Dependence on traditional banking services
- Smaller scale compared to national banks
Opportunities
- Expansion into new markets within the Midwest
- Adoption of new technologies to improve efficiency
- Increased demand for community banking services
- Strategic acquisitions
Threats
- Increasing competition from larger banks and fintech companies
- Economic downturns impacting loan performance
- Changes in regulatory environment
- Rising interest rates impacting profitability
Competitors and Market Share
Key Competitors
- OZRK
- HBAN
- CMA
Competitive Landscape
Southern Missouri Bancorp competes with larger regional and national banks, as well as smaller community banks. Its competitive advantage lies in its strong local presence and relationship-based banking.
Major Acquisitions
Reliance Bancshares, Inc.
- Year: 2016
- Acquisition Price (USD millions): 65.2
- Strategic Rationale: Expansion into the St. Louis market and increased market share.
Growth Trajectory and Initiatives
Historical Growth: Southern Missouri Bancorp has experienced growth through organic expansion and acquisitions. Historical growth rates vary depending on economic conditions and strategic initiatives.
Future Projections: Future growth projections are dependent on analyst estimates and company guidance, which should be sourced from financial news providers.
Recent Initiatives: Recent initiatives could include branch expansions, technology upgrades, or new product launches. Check company press releases and investor relations materials for the latest updates.
Summary
Southern Missouri Bancorp is a stable community bank with a strong presence in its market. It has shown steady growth through organic expansion and acquisitions. The company needs to be aware of increasing competition from larger banks and potential economic downturns, but their local presence provides advantages.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Financial news providers (e.g., Bloomberg, Reuters, Yahoo Finance)
- Analyst reports
Disclaimers:
This analysis is based on available information and should not be considered financial advice. Market share data is an estimate and may not be precise.
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 693 | Website https://www.bankwithsouthern.com |
Full time employees 693 | 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, saving accounts, certificates of deposit, retirement savings plans, and money market deposit accounts. It also provides loans, such as residential mortgage, commercial real estate, construction, and commercial business loans; and consumer loans comprising home equity, direct and indirect automobile loans, second mortgages, mobile home loans, and loans secured by deposits. In addition, the company offers fiduciary and investment management services; commercial and consumer insurance; online and mobile banking services; and debit or credit cards. The company was founded in 1887 and is headquartered in Poplar Bluff, Missouri.
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