# Southern Missouri Bancorp share price today (Southern Missouri Bancorp, Inc., SMBC)

> Southern Missouri Bancorp, Inc.'s share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. SMBC · Financials · Banks - Regional · data as of 4 November 2026. Page: https://www.sectoralpha.in/us/stocks/smbc

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## Key numbers

- Business trend: Growing steadily, from the last 12 quarters
- Price: $72.57 (+35.6% in a year)
- P/BV: 1.3× (higher than 66% of the last 5.3 years)
- Revenue (Sep 2026): $50.1 M (+12.7% on a year ago)
- Profit (Sep 2026): $19.0 M (+22.0% on a year ago)
- Net margin: 37.9% (+2.9 points on a year ago)
- ROE: 13%, FY26
- ROA: 1.46%, latest

Biggest thing to watch: the P/BV is higher than 66% of its own history, so the multiple has already done part of the work. ## What is the Southern Missouri Bancorp share price today? Southern Missouri Bancorp, Inc.'s share price was $72.57 at the close on 4 November 2026. It has been rising for 34 weeks. That is 4.0% above its average price over the last 200 trading days. In the last 52 weeks it traded between $54 and $78, and at that close it sat 79% of the way up from that low. Over the past 13 weeks it has done worse than the S&P 500, and it has been behind for 9 weeks running. Over the last 10 years the share price moved +192% while the S&P 500 moved +245%, so it is behind the index over that whole period. It was last ahead over 13 weeks in the week of 4 September 2026. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does Southern Missouri Bancorp pay? Southern Missouri Bancorp, Inc. paid $1.02 per share over the last four reported quarters. The most recent declaration was $0.27 for Sep 2026. At today's price of $72.57 that is a yield of 1.41%, based on dividends already paid, not a forecast. ## Which stock lists is Southern Missouri Bancorp on? Southern Missouri Bancorp is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is Southern Missouri Bancorp profitable? Southern Missouri Bancorp, Inc. earned $19.0 M of net profit in the Sep 2026 quarter, +22.0% on the same quarter a year earlier. That is the 8th quarter in a row of profit growth. Full-year FY26 profit was $71.5 M. Over 5 years profit has grown 8.7% a year on average. That is 37.9% of the quarter's revenue. The same quarter a year earlier earned $15.6 M. For the full year, FY26 profit was $71.5 M (+22.7% on the year before). Why profit moved: revenue changed +12.7% on a year earlier and the margin moved +2.9 percentage points. Most of the change came from keeping more of each sale. On average over the last four quarters, profit changed +21.9% and revenue +8.9%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra dollar of revenue adds more to profit. ## How much revenue does Southern Missouri Bancorp make, and is it growing? Southern Missouri Bancorp, Inc. reported $50.1 M of income in the Sep 2026 quarter, +12.7% on the same quarter a year earlier. That is the 9th quarter in a row with growth on the year before. Over 5 years it has grown 10.7% a year on average. The last full year, FY26, came in at $189 M. The last four reported quarters add to $195 M. FY26 revenue was $189 M, +7.4% on the year before. Recent pace: the last four quarters grew +8.9% on average, against 10.7% a year over the longer run, so this year is growing slower than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +8.9%, against +9.6% a year over the last 8 quarters (stabilising); profit over the last 12 months grew +21.9%, against +23.4% a year (stabilising). ## How much does Southern Missouri Bancorp keep from what it earns? Southern Missouri Bancorp, Inc.'s net margin was 37.9% in the Sep 2026 quarter, 2.9 percentage points higher than the same quarter a year ago. Across 6 years it has been between 28.7% and 41.5%. The latest quarter is within that range. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of Southern Missouri Bancorp's loans have gone bad? Southern Missouri Bancorp, Inc. does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is Southern Missouri Bancorp's loan book growing? Southern Missouri Bancorp, Inc.'s revenue was $189 M in FY26, +7.4% on the year before, so the loan book is growing. The latest quarter was +12.7% on a year earlier. The net margin on that income is 37.9%, +2.9 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is Southern Missouri Bancorp's P/BV ratio, and how does it compare with its own history? Southern Missouri Bancorp, Inc.'s P/BV is 1.3×, in the middle of its own history: higher than 66% of past readings. Its usual P/BV (the middle reading) is 1.3×, over 5.3 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is where it is: over the past year book value grew while the price moved +35.6%. The price ran ahead of book value, which pushed the multiple up within its own range. Where the price move came from: over 5 years the price moved +4.1% a year; about +10.6% a year came from book-value growth and about −6.5 percentage points from the multiple (the market paying less). The split is approximate (price return minus book-value growth). It shows how much of the move came from the market paying a different multiple. In short: the multiple is high against its own past, so the book value trend underneath matters more than the multiple. ## Is the Southern Missouri Bancorp business getting better or worse? Southern Missouri Bancorp, Inc.'s business is growing steadily. Revenue, profit and EPS growth have stayed positive throughout, and ROE is steady at 12.5%. This is based on 12 quarters of 4 measures. Why it matters: steady growth with healthy returns is how a business compounds over time. ## How much does Southern Missouri Bancorp earn on its equity and assets? Southern Missouri Bancorp, Inc. earned a return on equity of 12% in FY26. Its lowest yearly reading on file was 9% in FY23. On its assets, every $100 earned about $1.46, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That return is below the level a bank needs to grow its net worth quickly, which helps explain why its multiple is where it is. Why ROE moved: profit grew 8.7% a year over 5 years while net worth grew more slowly. When earnings recover faster than net worth builds up, ROE climbs off its low. ## Does Southern Missouri Bancorp have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the Southern Missouri Bancorp shareholding pattern? 4.7% of Southern Missouri Bancorp, Inc.'s tradable shares are in short positions, which are bets that the price will fall, so some traders are betting against it. At normal trading volumes, closing those positions would take about 5.1 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is Southern Missouri Bancorp from balance-sheet trouble? For Southern Missouri Bancorp, Inc., the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does Southern Missouri Bancorp rank in its industry? There is no score against its industry: Southern Missouri Bancorp, Inc. is not among the largest members shown in this industry comparison for Banks - Regional. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is Southern Missouri Bancorp compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to Southern Missouri Bancorp in size? Southern Missouri Bancorp is the 175th largest of 274 Banks - Regional companies on Sector Alpha by market value (scores of 5 November 2026). Just above it: Peapack-Gladstone Financial Corporation, South Plains Financial, Inc. and Independent Bank Corporation. Just below it: AGI Inc, Financial Institutions, Inc. and Shore Bancshares, Inc. ### Banks - Regional companies close in size

1. [Peapack-Gladstone Financial Corporation](https://www.sectoralpha.in/us/stocks/pgc) $830 million
2. [South Plains Financial, Inc.](https://www.sectoralpha.in/us/stocks/spfi) $828 million
3. [Independent Bank Corporation](https://www.sectoralpha.in/us/stocks/ibcp) $823 million
4. Southern Missouri Bancorp, Inc. $798 million
5. [AGI Inc](https://www.sectoralpha.in/us/stocks/agbk) $791 million
6. [Financial Institutions, Inc.](https://www.sectoralpha.in/us/stocks/fisi) $789 million
7. [Shore Bancshares, Inc.](https://www.sectoralpha.in/us/stocks/shbi) $769 million

[All 274 Banks - Regional companies, largest first](https://www.sectoralpha.in/us/sectors/banks-regional#all-companies)

### Companies close in size in other industries

1. [Infinity Natural Resources, Inc.](https://www.sectoralpha.in/us/stocks/inr) $800 million · Oil & Gas Exploration & Production
2. [Xanadu Quantum Technologies Limited](https://www.sectoralpha.in/us/stocks/xndu) $798 million · Software - Infrastructure
3. Southern Missouri Bancorp, Inc. $798 million
4. [Sturm, Ruger & Company, Inc.](https://www.sectoralpha.in/us/stocks/rgr) $797 million · Aerospace & Defense
5. [Phoenix Education Partners, Inc.](https://www.sectoralpha.in/us/stocks/pxed) $794 million · Education & Training Services

## What else do people ask about Southern Missouri Bancorp? ### What were Southern Missouri Bancorp's latest quarterly results? Southern Missouri Bancorp, Inc. reported total income of $50.1 M and net profit of $19.0 M for the Sep 2026 quarter. Income rose 12.7% and profit rose 22.0% compared with a year earlier. Earnings per share were $1.73 (as of 4 November 2026). ### What is Southern Missouri Bancorp's market cap? Southern Missouri Bancorp, Inc.'s market capitalisation is $798 M at a stock price of $72.57. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 4 November 2026). ### How is Southern Missouri Bancorp performing? Southern Missouri Bancorp, Inc.'s share price has been rising for 34 weeks. In its latest quarter, income rose 12.7% and profit rose 22.0% compared with a year earlier. Over the past 13 weeks it has done worse than the S&P 500, for 9 weeks running (as of 4 November 2026). ### Will Southern Missouri Bancorp's stock price go up? This page does not forecast Southern Missouri Bancorp, Inc.'s stock price. What it shows instead: the stock price is $72.57, and it has been rising for 34 weeks. Its P/BV of 1.3× is higher than 66% of its own last 5 years (as of 4 November 2026). ### Where is Southern Missouri Bancorp in its business cycle? Southern Missouri Bancorp, Inc.'s FY26 net margin was 37.8%, against a 6-year range of 28.7% to 41.5%: the middle of its own range, neither a peak nor a low. The latest quarter was 37.9%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 4 November 2026). ### What could break the Southern Missouri Bancorp story? Biggest thing to watch: the P/BV is higher than 66% of its own history, so the multiple has already done part of the work. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 4 November 2026). ### Is Southern Missouri Bancorp a stock worth studying right now? What the numbers show: Southern Missouri Bancorp, Inc.'s share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. The main open question: the next one or two quarters of results. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 4 November 2026). This is research, not advice. We’re not SEBI-registered.