SMBC
Southern Missouri Bancorp, Inc.
NasdaqGMUSDEQUITY
Financial Services
DELAYED
Last price
74.38
▲ 0.32 (0.43%)
MARKET · —
Price
Open
74.67
Prev close
74.06
Day high
74.64
Day low
73.38
Volume
83.12K
Market cap
$819.01M
P/E (TTM)
11.59
52W range
47.60 – 79.86
Trailing performance
Returnvs SPY
1W
-3.10%
-1.7%
1M
-4.30%
-8.0%
3M
+7.33%
+4.2%
6M
+13.57%
+2.5%
YTD
+25.81%
+13.5%
1Y
+34.99%
+15.0%
3Y
+68.85%
-5.3%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$819.01M
Enterprise value$894.57M
Revenue (TTM)$185.73M
Gross profit$185.73M
EBITDA—
Net income$67.05M
EPS (TTM)$6.42
Free cash flow—
Total cash$90.97M
Total debt$166.19M
Book value / share$52.07
Shares outstanding11.01M
Float9.29M
Short % of float3.07%
Dividend yield1.37%
Beta (5Y)0.86
Valuation & profitability ratios
Trailing P/E11.59
Forward P/E10.40
PEG ratio1.07
Price / sales—
Price / book1.43
EV / revenue4.82
EV / EBITDA—
Gross margin0.00%
Operating margin49.93%
Profit margin36.26%
Return on equity12.22%
Return on assets1.33%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2026 | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Total revenue | $200.65M | $182.60M | $164.33M | $152.95M |
| Cost of revenue | $0 | $0 | $0 | $0 |
| Gross profit | $0 | $0 | $0 | $0 |
| R&D | — | — | — | — |
| SG&A | — | — | — | — |
| Operating income | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax provision | $0 | $0 | $0 | $0 |
| Net income | $71.53M | $58.31M | $49.94M | $39.24M |
| EBIT | $0 | $0 | $0 | $0 |
| Line item | 2026 | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Cash & equivalents | — | — | — | — |
| Short-term investments | — | — | — | — |
| Net receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Total current assets | — | — | — | — |
| Total assets | — | — | — | — |
| Total current liabilities | — | — | — | — |
| Long-term debt | — | — | — | — |
| Total liabilities | — | — | — | — |
| Retained earnings | — | — | — | — |
| Shareholder equity | — | — | — | — |
| Line item | 2026 | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Net income | $71.53M | $58.31M | $49.94M | $39.24M |
| Depreciation | — | — | — | — |
| Change in working capital | — | — | — | — |
| Operating cash flow | — | — | — | — |
| Capital expenditure | — | — | — | — |
| Investing cash flow | — | — | — | — |
| Dividends paid | — | — | — | — |
| Buybacks | — | — | — | — |
| Financing cash flow | — | — | — | — |
| Net change in cash | — | — | — | — |
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.52 | 1.83 | +20.1% |
| Mar 2026 | 1.52 | 1.60 | +5.3% |
| Dec 2025 | 1.54 | 1.62 | +5.0% |
| Sep 2025 | 1.31 | 1.38 | +5.6% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 1.66 | 3 | $52.48M | +7.1% |
| Next quarter | 1.72 | 3 | $52.94M | +6.6% |
| Current year | 6.73 | 2 | $211.10M | +5.2% |
| Next year | 7.15 | 1 | $221.70M | +5.0% |
Analyst targets & ownership
Mean target$83.67
High target$85.00
Low target$83.00
Implied upside12.49%
Analyst count3
ConsensusHOLD
Strong buy / Buy0 / 0
Hold3
Sell / Strong sell0 / 0
Held by insiders14.59%
Held by institutions58.90%
Institutions holding224
Price targets, consensus spread, insider and institutional ownership.
Insider net activity
Net shares
+10.55K
Net buying
Buy transactions
22
18.40K shares
Sell transactions
5
7.84K shares
Net transactions
+27
Buys less sells
Sell : buy shares
0.4 : 1
Mixed
Insider-held shares
1.61M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 18, 26 | HECKER MARK E Officer |
SELL | 2.69K | $202.80K | Indirect |
| Jul 29, 26 | HECKER MARK E Officer |
CONVERSION | 4.00K | $143.32K | Direct |
| Jun 5, 26 | WINDES RICHARD Officer |
SELL | 2.00K | $139.40K | Direct |
| May 27, 26 | WINDES RICHARD Officer |
CONVERSION | 2.00K | $74.80K | Direct |
| May 21, 26 | WINDES RICHARD Officer |
SELL | 2.00K | $136.94K | Direct |
| May 6, 26 | BAGBY L DOUGLAS Director |
SELL | 580 | $39.96K | Direct |
| May 1, 26 | WINDES RICHARD Officer |
CONVERSION | 2.00K | $68.70K | Direct |
| Mar 4, 26 | LOVE CHARLES R. Director |
SELL | 580 | $37.12K | Direct |
| Feb 24, 26 | STEFFENS GREG ALAN Chief Executive Officer |
STOCK | 600 | $0 | Direct |
| Feb 24, 26 | HECKER MARK E Officer |
STOCK | 600 | $0 | Direct |
| Feb 24, 26 | CAPPS KIMBERLY A Officer |
STOCK | 875 | $0 | Direct |
| Feb 24, 26 | FUNKE MATTHEW T President |
STOCK | 950 | $0 | Direct |
| Feb 24, 26 | HENSLEY TODD E Director |
STOCK | 400 | $0 | Direct |
| Feb 24, 26 | COX JUSTIN G Officer |
STOCK | 750 | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BROOKS REBECCA MCLANE J |
Director | 51.80K | Stock Award(Grant) |
CAPPS KIMBERLY A |
Officer | 126.45K | Stock Award(Grant) |
FUNKE MATTHEW T |
President | 62.92K | Stock Award(Grant) |
HENSLEY TODD E |
Director | 549.34K | Stock Award(Grant) |
JONES DANIEL LEE |
Director | 282.22K | Stock Award(Grant) |
LOVE CHARLES R. |
Director | 26.32K | Sale |
SCHALK SAMMY A |
Director | 84.75K | Stock Award(Grant) |
STEFFENS GREG ALAN |
Chief Executive Officer | 291.95K | Stock Award(Grant) |
TOOLEY DAVID J |
Director | 51.80K | Stock Award(Grant) |
YOUNG WILLIAM E |
Retired | — | Sale |
Moving averages & technicals
SMA 10
75.95
-2.07% from price
SMA 20
77.05
-3.47% from price
SMA 50
75.83
-1.91% from price
SMA 100
71.84
+3.54% from price
SMA 200
66.20
+12.36% from price
EMA 12
75.88
-1.97% from price
EMA 26
76.21
-2.40% from price
EMA 50
75.14
-1.01% from price
RSI (14)
39.4
Neutral
MACD (12,26,9)
-0.33
Hist -0.56
ATR (14)
1.37
1.84% of price
Realised vol 30D
19.2%
Annualised
Bollinger upper
80.07
20, 2σ
Bollinger lower
74.04
20, 2σ
50 / 200 cross
Golden
75.83 vs 66.20
Trend bias
Above 200
+12.36%
Risk profile
Beta vs SPY
0.48
Less volatile than market
Correlation to SPY
0.25
Largely independent
Realised vol 30D
19.2%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-17.7%
Peak to trough
Max drawdown 5Y
-49.7%
Peak to trough
ATR 14
1.37
1.84% of price
Beta (reported)
0.86
5Y monthly, from filing
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Options analytics
Put / call volume
1.67
Put-heavy session
Put / call open interest
14.86
Positioning, not flow
Max pain
75.00
+0.8% from spot
ATM implied vol
69.5%
Nearest strike to spot
Skew (10% OTM)
-18.6%
Calls bid over puts
Call volume
3
Contracts, this expiry
Put volume
5
Contracts, this expiry
Heaviest call OI
80.00
5 contracts
Heaviest put OI
30.00
84 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Headlines
Zacks Industry Outlook Highlights WSFS Financial, Provident Financial Services and Southern Missouri Bancorp
Zacks · 11d ago
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Southern Missouri Bancorp (SMBC) Stock Gets Fair Value Boost As Analysts Lift Targets
Simply Wall St. · 29d ago
Southern Missouri Bancorp Inc (SMBC) (Q4 2026) Earnings Call Highlights: Strong Earnings Growth ...
GuruFocus.com · 29d ago
Southern Missouri Bancorp Q4 Earnings Call Highlights
MarketBeat · 30d ago
Southern Missouri Bancorp, Inc. Q4 2026 Earnings Call Summary
Moby · 30d ago
Southern Missouri Bancorp (SMBC) Tops Q4 Earnings and Revenue Estimates
Zacks · 31d ago
Southern Missouri Bancorp Fiscal Q4 Earnings, Revenue Rise
MT Newswires · 31d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.