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Southern Missouri Bancorp

SMBC
73
Banks - Regional · Financial Services
Exchange
NASDAQ
Winston Score
73
Winston is happy
A high-quality business with solid fundamentals.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Exceptional
Growth
Strong
Capital Strength
Mixed
Asset Quality
Exceptional
Valuation
Good
Dividends
Mixed
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Winston Score History

The full picture

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 business banking, business financing, and business services. It also provides personal banking services, which include online and mobile banking, checking and savings, mortgage and refinance, and loans and credit services. In addition, the company offers investing and insurance services.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-6.6% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+31.4% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

15.7%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$542M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Southern Missouri Bancorp's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Return on owners' money
Return on Equity
22.2%
no trend
Exceptional — 22.2% return on equity

15-25% on shareholder equity is strong — clearly beating cost of capital.

Profit on lending
Net Interest Margin
4.01%
no trend
Wide spread — 4.01% net interest margin
Cost of running the bank
Efficiency Ratio
51.6%
no trend
Very lean — spends 51.6¢ to earn a dollar

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Growth

Sales growth
Sales YoY
+1.3%
Nearly flat sales (+1.3% YoY)
Profit growth
EPS YoY
+24.3%
Earnings growing fast (+24.3% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is
EPS Consistency
7/8 quarters
Every recent quarter grew earnings vs last year

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Capital Strength

Safety cushion
Capital Ratio
8.3%
no trend
Adequate — 8.3% Tier-1 leverage

The bank's capital cushion is just adequate. It clears the safety minimum with a small buffer.

Asset Quality

Loans not being repaid
Non-Performing Loans
0.37%
no trend
Clean loan book — 0.37% non-performing

Under half a percent of loans are going bad. A very clean loan book.

Loans written off
Net Charge-Offs
-0.01%
no trend
Minimal losses — -0.01% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
11.5x
no trend
Attractive valuation — P/E 11.5

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
-0.2
SLOWING
Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend
Dividend Yield
1.29%
no trend
Small dividend — 1.29% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record
Dividend Growth
+8.5%
no trend
Dividend growing modestly (8.5% YoY)

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