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Upturn AI Summary - About
Southern Missouri Bancorp Inc(SMBC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SMBC
11/09/2026: SMBC (1-star) is currently NOT-A-BUY. Pass it for now.
Southern Missouri Bancorp is a regional financial institution operating as a community-focused bank. The company has a stable business model, with strengths rooted in disciplined credit underwriting and a consistent track record of growing through strategic regional acquisitions. Its primary growth story revolves around continuing this consolidation strategy while expanding its digital capabilities. However, investors should be mindful of risks related to geographic concentration, interest rate sensitivity, and intense competition from larger institutions and digital challengers. The stock may suit value-oriented and dividend-focused investors looking for steady, long-term exposure to the regional banking sector, though future performance will depend on management's ability to maintain efficient operations.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company provides steady growth via acquisitions rather than explosive innovation-led growth. |
| Momentum investor | Weak fit | This stock is generally driven by long-term fundamentals rather than short-term price momentum. |
| Value investor | Strong fit | The company often trades at valuations reflective of its steady regional banking asset base. |
| Dividend investor | Strong fit | Consistent dividend payments make this a stable income-generating asset for investors. |
| Low-risk investor | Mixed fit | While stable, regional banking carries inherent interest rate and economic cycle risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Regional bank stocks can be subject to market swings based on interest rate expectations. |
| Valuation risk | Low | The company historically trades at valuations supported by its book value and earnings. |
| Competition risk (Regional Banking) | Medium / high | Intense competition from larger banks and fintechs challenges deposit growth. |
| Business quality | Medium | The bank has a solid track record but faces the inherent risks of a concentrated regional business model. |
| Dividend income | Low | Dividend payments are generally stable and well-supported by earnings. |
| Execution risk | Medium | Successful growth depends on the bank's ability to integrate acquisitions efficiently. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 49.65% | Avg. Invested days 53 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 774.68M USD | Price to earnings Ratio 10.39 | 1Y Target Price 78.4 |
Price to earnings Ratio 10.39 | 1Y Target Price 78.4 | ||
Volume (30-day avg) 82.1K shares | Beta 0.79 | 52 Weeks Range 52.14 - 79.58 | Updated Date 11/09/2026 |
52 Weeks Range 52.14 - 79.58 | Updated Date 11/09/2026 | ||
Dividends yield (FY) 1.44% | Basic EPS (TTM) 6.78 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | The bank makes the majority of its money by charging more for loans than it pays for deposits. |
| Non-Interest Income | Service fees, mortgage banking income, and other banking service charges. | Additional revenue is generated from fees on services like mortgage origination and account maintenance. |
Earnings Date
Report Date 2026-10-21 | When After Market | Estimate 1.67 | Actual 1.73 |
Profitability
Profit Margin 38.64% | Operating Margin (TTM) 49.73% |
Management Effectiveness
Return on Assets (TTM) 1.46% | Return on Equity (TTM) 12.97% |
Valuation
Trailing PE 10.39 | Forward PE 8.83 | Enterprise Value 841.05M | Price to Sales(TTM) 3.98 |
Enterprise Value 841.05M | Price to Sales(TTM) 3.98 | ||
Enterprise Value to Revenue 4.46 | Enterprise Value to EBITDA - | Shares Outstanding 10.99M | Shares Floating 9.28M |
Shares Outstanding 10.99M | Shares Floating 9.28M | ||
Percent Insiders 12.67 | Percent Institutions 59.65 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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