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Upturn AI SWOT - About
SMBC 
Southern Missouri Bancorp Inc (SMBC)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/28/2025: 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 $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 22.55% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 653.67M USD | Price to earnings Ratio 11.11 | 1Y Target Price 67 |
Price to earnings Ratio 11.11 | 1Y Target Price 67 | ||
Volume (30-day avg) 2 | Beta 1.03 | 52 Weeks Range 44.71 - 67.84 | Updated Date 08/29/2025 |
52 Weeks Range 44.71 - 67.84 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 1.56% | Basic EPS (TTM) 5.18 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 32.57% | Operating Margin (TTM) 45.61% |
Management Effectiveness
Return on Assets (TTM) 1.17% | Return on Equity (TTM) 11.17% |
Valuation
Trailing PE 11.11 | Forward PE - | Enterprise Value 599318336 | Price to Sales(TTM) 3.78 |
Enterprise Value 599318336 | Price to Sales(TTM) 3.78 | ||
Enterprise Value to Revenue 4.28 | Enterprise Value to EBITDA - | Shares Outstanding 11299500 | Shares Floating 9577961 |
Shares Outstanding 11299500 | Shares Floating 9577961 | ||
Percent Insiders 14.95 | Percent Institutions 54.5 |
Upturn AI SWOT
Southern Missouri Bancorp Inc
Company Overview
History and Background
Southern Missouri Bancorp, Inc. was founded in 1972. It has grown through organic expansion and acquisitions, providing community banking services in southern Missouri and beyond.
Core Business Areas
- Community Banking: Offers a range of deposit products, loans, and other financial services to individuals and businesses.
- Mortgage Lending: Provides residential mortgage loans.
- Wealth Management: Offers trust and investment services.
Leadership and Structure
The company is led by a board of directors and a management team headed by the CEO. The organizational structure is typical of a community bank holding company, with regional and functional divisions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes (working capital, expansion, etc.). Market share data is regionally focused and varies. Competitors include other regional and national banks.
- Residential Mortgages: Loans for home purchases and refinancing. Market share varies by location and interest rate environment. Competitors include national mortgage lenders and other local banks.
- Deposit Accounts: Checking, savings, money market accounts, and certificates of deposit. Competitors include other local banks and credit unions.
Market Dynamics
Industry Overview
The community banking industry is facing increasing competition from larger banks and fintech companies. Interest rate fluctuations and regulatory changes are significant factors.
Positioning
Southern Missouri Bancorp Inc is positioned as a community-focused bank with strong local relationships. It aims to provide personalized service and support to its customers.
Total Addressable Market (TAM)
The TAM for community banking in its operating region is estimated to be several billion dollars. Southern Missouri Bancorp Inc. has a portion of this, with opportunities for growth in specific markets.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer relationships
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Technology investment constraints
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Acquisitions of smaller banks
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- OZRK
- CASH
- FFBC
Competitive Landscape
Southern Missouri Bancorp Inc competes with larger regional and national banks, as well as smaller community banks and credit unions. Its advantages include local knowledge and customer service.
Major Acquisitions
Integrity Bancshares, Inc.
- Year: 2023
- Acquisition Price (USD millions): 29.5
- Strategic Rationale: Expand market presence in Arkansas
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic expansion and acquisitions.
Future Projections: Future growth is expected to be moderate, driven by continued expansion and improved efficiency. Analyst estimates vary.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion into new markets.
Summary
Southern Missouri Bancorp Inc. is a community-focused bank with a strong local presence, demonstrated by steady growth and strategic acquisitions. While its smaller size is a limitation, local knowledge and customer service give it an edge. The company should carefully manage competition from larger banks and economic uncertainties. Future growth depends on successful expansion and technology investments.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Articles
- Third party financial data sources
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is approximate and may vary. Actual financial performance may differ from projections.
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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