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Southern Missouri Bancorp

Nasdaq:SMBC
Snowflake Description

Flawless balance sheet with proven track record and pays a dividend.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
SMBC
Nasdaq
$199M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

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 last earnings update was 58 days ago. More info.


Add to Portfolio Compare Print
  • Southern Missouri Bancorp has significant price volatility in the past 3 months.
SMBC Share Price and Events
7 Day Returns
0.4%
NasdaqGM:SMBC
-4.5%
US Mortgage
2.4%
US Market
1 Year Returns
-33.5%
NasdaqGM:SMBC
-32%
US Mortgage
-10%
US Market
SMBC Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Southern Missouri Bancorp (SMBC) 0.4% -30.2% -42.4% -33.5% -37% 14.4%
US Mortgage -4.5% -30.7% -37.7% -32% -30.1% -16%
US Market 2.4% -11% -19.4% -10% 9.6% 21.1%
1 Year Return vs Industry and Market
  • SMBC underperformed the Mortgage industry which returned -32% over the past year.
  • SMBC underperformed the Market in United States of America which returned -10% over the past year.
Price Volatility
SMBC
Industry
5yr Volatility vs Market

SMBC Value

 Is Southern Missouri Bancorp undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Southern Missouri Bancorp to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Southern Missouri Bancorp.

NasdaqGM:SMBC Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= $22.31 * 10.4%
$2.33
Book Value of Equity per Share Median Book Value from the past 5 years. $22.31
Discount Rate (Cost of Equity) See below 7.2%
Perpetual Growth Rate 10-Year US Government Bond Rate 1.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NasdaqGM:SMBC
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 1.7%
Equity Risk Premium S&P Global 5.4%
Mortgage Unlevered Beta Simply Wall St/ S&P Global 0.66
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.657 (1 + (1- 21%) (67.62%))
1.005
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.01
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.74% + (1.005 * 5.44%)
7.21%

Discounted Cash Flow Calculation for NasdaqGM:SMBC using Excess Returns Model Model

The calculations below outline how an intrinsic value for Southern Missouri Bancorp is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

NasdaqGM:SMBC Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (10.4% – 7.21%) * $22.31)
$0.72
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $0.72 / (7.21% - 1.74%)
$13.14
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $22.31 + $13.14
$35.45
NasdaqGM:SMBC Discount to Share Price
Calculation Result
Value per share (USD) From above. $35.45
Current discount Discount to share price of $21.63
= -1 x ($21.63 - $35.45) / $35.45
39%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Southern Missouri Bancorp is available for.
Intrinsic value
39%
Share price is $21.63 vs Future cash flow value of $35.45
Current Discount Checks
For Southern Missouri Bancorp to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Southern Missouri Bancorp's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Southern Missouri Bancorp's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Southern Missouri Bancorp's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Southern Missouri Bancorp's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqGM:SMBC PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-12-31) in USD $3.26
NasdaqGM:SMBC Share Price ** NasdaqGM (2020-04-07) in USD $21.63
United States of America Mortgage Industry PE Ratio Median Figure of 121 Publicly-Listed Mortgage Companies 10.37x
United States of America Market PE Ratio Median Figure of 2,948 Publicly-Listed Companies 12.95x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Southern Missouri Bancorp.

NasdaqGM:SMBC PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqGM:SMBC Share Price ÷ EPS (both in USD)

= 21.63 ÷ 3.26

6.64x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Southern Missouri Bancorp is good value based on earnings compared to the US Mortgage industry average.
  • Southern Missouri Bancorp is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does Southern Missouri Bancorp's expected growth come at a high price?
Raw Data
NasdaqGM:SMBC PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 6.64x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 2 Analysts
-22.2%per year
United States of America Mortgage Industry PEG Ratio Median Figure of 46 Publicly-Listed Mortgage Companies -0.35x
United States of America Market PEG Ratio Median Figure of 2,010 Publicly-Listed Companies 0.92x

*Line of best fit is calculated by linear regression .

NasdaqGM:SMBC PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 6.64x ÷ -22.2%

-0.3x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Southern Missouri Bancorp earnings are not expected to grow next year, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Southern Missouri Bancorp's assets?
Raw Data
NasdaqGM:SMBC PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-12-31) in USD $27.03
NasdaqGM:SMBC Share Price * NasdaqGM (2020-04-07) in USD $21.63
United States of America Mortgage Industry PB Ratio Median Figure of 133 Publicly-Listed Mortgage Companies 0.77x
United States of America Market PB Ratio Median Figure of 5,162 Publicly-Listed Companies 1.26x
NasdaqGM:SMBC PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqGM:SMBC Share Price ÷ Book Value per Share (both in USD)

= 21.63 ÷ 27.03

0.8x

* Primary Listing of Southern Missouri Bancorp.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Southern Missouri Bancorp is overvalued based on assets compared to the US Mortgage industry average.
X
Value checks
We assess Southern Missouri Bancorp's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Mortgage industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Mortgage industry average (and greater than 0)? (1 check)
  5. Southern Missouri Bancorp has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

SMBC Future Performance

 How is Southern Missouri Bancorp expected to perform in the next 1 to 3 years based on estimates from 2 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
-22.2%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Southern Missouri Bancorp expected to grow at an attractive rate?
  • Southern Missouri Bancorp's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 1.7%.
Growth vs Market Checks
  • Southern Missouri Bancorp's earnings are expected to decrease over the next 1-3 years, this is below the United States of America market average.
  • Southern Missouri Bancorp's revenue growth is positive but not above the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NasdaqGM:SMBC Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqGM:SMBC Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 2 Analysts -22.2%
NasdaqGM:SMBC Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 2 Analysts 1%
United States of America Mortgage Industry Earnings Growth Rate Market Cap Weighted Average 1.1%
United States of America Mortgage Industry Revenue Growth Rate Market Cap Weighted Average 0.8%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.3%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqGM:SMBC Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqGM:SMBC Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-06-30 92 21 2
2020-06-30 93 26 2
2020-04-08
NasdaqGM:SMBC Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-12-31 90 39 30
2019-09-30 88 37 30
2019-06-30 86 39 29
2019-03-31 82 40 27
2018-12-31 79 36 25
2018-09-30 76 33 23
2018-06-30 73 31 21
2018-03-31 71 30 19
2017-12-31 67 27 18
2017-09-30 63 29 17
2017-06-30 60 26 16
2017-03-31 57 22 16

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Southern Missouri Bancorp's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.
  • Southern Missouri Bancorp's revenue is expected to grow by 1% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqGM:SMBC Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below

All data from Southern Missouri Bancorp Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGM:SMBC Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-06-30 2.30 2.90 1.69 2.00
2020-06-30 2.86 3.10 2.61 2.00
2020-04-08
NasdaqGM:SMBC Past Financials Data
Date (Data in USD Millions) EPS *
2019-12-31 3.26
2019-09-30 3.24
2019-06-30 3.14
2019-03-31 2.96
2018-12-31 2.80
2018-09-30 2.59
2018-06-30 2.40
2018-03-31 2.27
2017-12-31 2.20
2017-09-30 2.15
2017-06-30 2.08
2017-03-31 2.09

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Southern Missouri Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Southern Missouri Bancorp's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Southern Missouri Bancorp has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

SMBC Past Performance

  How has Southern Missouri Bancorp performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Southern Missouri Bancorp's growth in the last year to its industry (Mortgage).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Southern Missouri Bancorp's year on year earnings growth rate has been positive over the past 5 years.
  • Southern Missouri Bancorp's 1-year earnings growth exceeds its 5-year average (20.1% vs 19.5%)
  • Southern Missouri Bancorp's earnings growth has exceeded the US Mortgage industry average in the past year (20.1% vs 10.9%).
Earnings and Revenue History
Southern Missouri Bancorp's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Southern Missouri Bancorp Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGM:SMBC Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-12-31 89.61 30.20 42.17
2019-09-30 88.42 29.93 41.35
2019-06-30 85.57 28.90 39.90
2019-03-31 82.02 26.99 38.93
2018-12-31 79.19 25.15 37.69
2018-09-30 75.62 22.87 36.48
2018-06-30 73.21 20.93 36.17
2018-03-31 70.78 19.00 35.23
2017-12-31 66.76 17.70 33.67
2017-09-30 63.15 16.71 32.26
2017-06-30 59.87 15.55 30.72
2017-03-31 57.43 15.52 29.32
2016-12-31 55.58 14.89 28.49
2016-09-30 54.83 14.89 27.90
2016-06-30 54.22 14.76 27.03
2016-03-31 53.57 14.60 26.71
2015-12-31 53.40 14.59 26.24
2015-09-30 53.02 13.80 26.59
2015-06-30 52.01 13.47 26.09
2015-03-31 48.70 12.66 24.56
2014-12-31 45.38 11.53 22.88
2014-09-30 41.60 10.62 20.90
2014-06-30 37.47 9.88 18.72
2014-03-31 35.38 9.65 17.36
2013-12-31 33.54 9.88 16.11
2013-09-30 31.83 9.84 14.64
2013-06-30 31.54 9.72 14.21

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Southern Missouri Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Southern Missouri Bancorp used its assets more efficiently than the US Mortgage industry average last year based on Return on Assets.
  • Unable to establish if Southern Missouri Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Southern Missouri Bancorp's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Mortgage industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Southern Missouri Bancorp has a total score of 4/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

SMBC Health

 How is Southern Missouri Bancorp's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Southern Missouri Bancorp's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Southern Missouri Bancorp Company Filings, last reported 3 months ago.

NasdaqGM:SMBC Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-12-31 248.87 132.74 42.02
2019-09-30 242.26 121.40 32.39
2019-06-30 238.39 67.33 36.37
2019-03-31 231.38 61.11 32.35
2018-12-31 224.03 178.18 40.10
2018-09-30 206.06 139.91 24.09
2018-06-30 200.69 97.86 28.28
2018-03-31 196.50 72.54 32.73
2017-12-31 180.50 81.51 35.73
2017-09-30 177.04 109.15 25.85
2017-06-30 173.08 71.70 31.53
2017-03-31 133.99 84.34 21.51
2016-12-31 130.35 144.84 30.87
2016-09-30 128.79 169.41 21.98
2016-06-30 125.97 152.05 23.28
2016-03-31 122.25 94.95 18.52
2015-12-31 119.21 96.70 25.79
2015-09-30 135.88 121.22 20.25
2015-06-30 132.64 106.78 18.72
2015-03-31 132.96 107.68 23.50
2014-12-31 129.94 98.97 40.02
2014-09-30 126.26 147.46 28.14
2014-06-30 111.11 120.76 16.59
2014-03-31 107.43 88.30 19.68
2013-12-31 105.00 112.40 20.86
2013-09-30 103.17 90.48 11.47
2013-06-30 101.83 59.51 13.77
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Southern Missouri Bancorp has an acceptable proportion of non-loan assets held.
  • Southern Missouri Bancorp's liabilities are made up of primarily low risk sources of funding.
  • Loans at Southern Missouri Bancorp are broadly funded by customer deposits.
  • Southern Missouri Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Southern Missouri Bancorp has a sufficient allowance for bad loans.
  • Southern Missouri Bancorp has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess Southern Missouri Bancorp's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Southern Missouri Bancorp has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

SMBC Dividends

 What is Southern Missouri Bancorp's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
2.77%
Current annual income from Southern Missouri Bancorp dividends. Estimated to be 2.96% next year.
If you bought $2,000 of Southern Missouri Bancorp shares you are expected to receive $55 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Southern Missouri Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.93%).
  • Southern Missouri Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (5.46%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqGM:SMBC Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below
United States of America Mortgage Industry Average Dividend Yield Market Cap Weighted Average of 88 Stocks 4.7%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 1935 Stocks 2.9%
United States of America Minimum Threshold Dividend Yield 10th Percentile 1.1%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.9%
United States of America Top 25% Dividend Yield 75th Percentile 5.5%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqGM:SMBC Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2021-06-30 0.68 2.00
2020-06-30 0.60 2.00
2020-04-08
NasdaqGM:SMBC Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2020-01-24 0.600 1.962
2019-10-17 0.600 1.611
2019-07-19 0.600 1.741
2019-04-18 0.520 1.580
2019-01-17 0.520 1.528
2018-10-19 0.520 1.530
2018-07-19 0.520 1.345
2018-04-18 0.440 1.188
2017-10-19 0.440 1.175
2017-04-20 0.400 1.215
2017-01-19 0.400 1.163
2016-10-19 0.400 1.348
2016-07-20 0.400 1.624
2016-04-21 0.360 1.485
2016-01-21 0.360 1.518
2015-10-26 0.360 1.550
2015-09-14 0.360 1.697
2015-07-27 0.360 1.813
2015-04-28 0.340 1.787
2015-01-26 0.340 1.808
2014-10-28 0.340 1.796
2014-07-28 0.340 1.919
2014-04-22 0.320 1.812
2014-01-27 0.320 1.857
2013-10-21 0.320 1.983
2013-07-29 0.320 2.342
2013-04-23 0.300 2.345
2013-01-25 0.300 2.388
2012-10-22 0.300 2.554
2012-07-19 0.300 2.561
2012-04-24 0.240 2.084
2012-01-25 0.240 2.002
2011-10-24 0.240 2.159
2011-08-05 0.240 2.224
2011-04-28 0.240 2.230
2011-02-03 0.240 2.104
2010-11-17 0.240 2.815
2010-10-25 0.240 3.052
2010-09-20 0.960 12.678
2010-08-10 0.240 3.169
2010-02-04 0.240 3.238
2009-08-06 0.240 4.173
2009-05-06 0.240 4.660

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been stable in the past 10 years.
  • Dividends per share have increased over the past 10 years.
Current Payout to shareholders
What portion of Southern Missouri Bancorp's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (5.8x coverage).
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Southern Missouri Bancorp's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Southern Missouri Bancorp afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Southern Missouri Bancorp has a total score of 4/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

SMBC Management

 What is the CEO of Southern Missouri Bancorp's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Greg Steffens
COMPENSATION $551,904
AGE 52
TENURE AS CEO 21.3 years
CEO Bio

Mr. Greg A. Steffens has been the Chief Executive Officer and President at Southern Missouri Bancorp, Inc. since 1999. Mr. Steffens serves as President and Chief Executive Officer of Southern Bank. He served as the Chief Financial Officer at Southern Missouri Bancorp, Inc. since joining in 1999. He has over 28 years of experience in the banking industry. He served as the Chief Financial Officer of First Savings Bank, Federal Savings Bank since December 1993 until February 1998. He served as the Chief Financial Officer of Sho-Me Financial Corporation and 1st Savings Bank f.s.b. (the "Bank"), a subsidiary of Sho Me Financial Corp., from December 1993 to February 1998. Prior to joining Savings Bank, he was employed by the OTS as an examiner for 4 years. Mr. Steffens has been a Director of Southern Missouri BanCorp. Inc. and Southern Bank since October 2000. He serves as Director of Poplar Bluff Chamber of Commerce Board of Directors. Mr. Steffens also served from 1989 to 1993 as an examiner with the Office of Thrift Supervision. Mr. Steffens holds a Bachelor of Science Degree in Business Administration-Accounting and Finance from the University of Central Missouri, Warrensburg, Missouri.

CEO Compensation
  • Greg's compensation has been consistent with company performance over the past year, both up more than 20%.
  • Greg's remuneration is lower than average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Southern Missouri Bancorp management team in years:

8.8
Average Tenure
52
Average Age
  • The average tenure for the Southern Missouri Bancorp management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Greg Steffens

TITLE
President
COMPENSATION
$552K
AGE
52
TENURE
21.3 yrs

Matt Funke

TITLE
Executive VP & CFO
COMPENSATION
$318K
AGE
43
TENURE
14.3 yrs

Mark Hecker

TITLE
Executive VP & Chief Credit Officer
COMPENSATION
$328K
AGE
53
TENURE
3.3 yrs

Justin Cox

TITLE
Executive VP & Regional President of Southern Bank West Region
COMPENSATION
$314K

Ronnie Black

TITLE
Secretary & Director
COMPENSATION
$27K
AGE
71

Rick Windes

TITLE
Executive VP & Chief Lending Officer
COMPENSATION
$295K
TENURE
1.9 yrs

Kim Capps

TITLE
Executive VP & COO
COMPENSATION
$255K
AGE
52
TENURE
14.3 yrs

Lorna Brannum

TITLE
Investor Relations Contact

Lora Daves

TITLE
Executive VP & Chief Risk Officer
COMPENSATION
$128K

Chris Roberts

TITLE
Executive VP & Regional President of South Region
TENURE
2.7 yrs
Board of Directors Tenure

Average tenure and age of the Southern Missouri Bancorp board of directors in years:

11.5
Average Tenure
68
Average Age
  • The average tenure for the Southern Missouri Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors

Sam Schalk

TITLE
Chairman of the Board
COMPENSATION
$38K
AGE
70
TENURE
0.8 yrs

Greg Steffens

TITLE
President
COMPENSATION
$552K
AGE
52
TENURE
20.3 yrs

Charles Love

TITLE
Vice Chairman of the Board
COMPENSATION
$41K
AGE
68
TENURE
0.8 yrs

Ronnie Black

TITLE
Secretary & Director
COMPENSATION
$27K
AGE
71
TENURE
23.3 yrs

L. Bagby

TITLE
Director
COMPENSATION
$12K
AGE
69
TENURE
23.3 yrs

Dennis Robison

TITLE
Independent Director
COMPENSATION
$28K
AGE
65
TENURE
11.5 yrs

Becky Brooks

TITLE
Independent Director
COMPENSATION
$28K
AGE
63
TENURE
15.5 yrs

Dave Tooley

TITLE
Independent Director
COMPENSATION
$41K
AGE
70
TENURE
8.5 yrs

Todd Hensley

TITLE
Independent Director
COMPENSATION
$26K
AGE
52
TENURE
5.7 yrs
Who owns this company?
Recent Insider Trading
  • More shares have been bought than sold by Southern Missouri Bancorp individual insiders in the past 3 months, but not in substantial volumes.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
16. Mar 20 Buy Dennis Robison Individual 13. Mar 20 13. Mar 20 215 $26.30 $5,655
X
Management checks
We assess Southern Missouri Bancorp's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Southern Missouri Bancorp has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

SMBC News

Simply Wall St News

Shareholders Are Loving Southern Missouri Bancorp, Inc.'s (NASDAQ:SMBC) 1.8% Yield

Dividend Volatility Before buying a stock for its income, we want to see if the dividends have been stable in the past, and if the company has a track record of maintaining its dividend. … Strong earnings per share (EPS) growth might encourage our interest in the company despite fluctuating dividends, which is why it's great to see Southern Missouri Bancorp has grown its earnings per share at 15% per annum over the past five years. … Earnings per share have not been growing, but we respect a company that maintains a relatively stable dividend.

Simply Wall St -

Is It Smart To Buy Southern Missouri Bancorp, Inc. (NASDAQ:SMBC) Before It Goes Ex-Dividend?

Based on the last year's worth of payments, Southern Missouri Bancorp stock has a trailing yield of around 1.8% on the current share price of $33.1. … To Sum It Up Should investors buy Southern Missouri Bancorp for the upcoming dividend? … In summary, Southern Missouri Bancorp appears to have some promise as a dividend stock, and we'd suggest taking a closer look at it.

Simply Wall St -

Is Southern Missouri Bancorp, Inc. (NASDAQ:SMBC) Excessively Paying Its CEO?

See our latest analysis for Southern Missouri Bancorp How Does Greg Steffens's Compensation Compare With Similar Sized Companies? … You can see, below, how CEO compensation at Southern Missouri Bancorp has changed over time. … If you want to buy a stock that is better than Southern Missouri Bancorp, this free list of high return, low debt companies is a great place to look.

Simply Wall St -

If You Had Bought Southern Missouri Bancorp (NASDAQ:SMBC) Stock Five Years Ago, You Could Pocket A 85% Gain Today

To wit, the Southern Missouri Bancorp share price has climbed 85% in five years, easily topping the market return of 43% (ignoring dividends). … Over half a decade, Southern Missouri Bancorp managed to grow its earnings per share at 15% a year. … As it happens, Southern Missouri Bancorp's TSR for the last 5 years was 100%, which exceeds the share price return mentioned earlier.

Simply Wall St -

Here's How P/E Ratios Can Help Us Understand Southern Missouri Bancorp, Inc. (NASDAQ:SMBC)

We'll look at Southern Missouri Bancorp, Inc.'s (NASDAQ:SMBC) P/E ratio and reflect on what it tells us about the company's share price. … See our latest analysis for Southern Missouri Bancorp How Do I Calculate A Price To Earnings Ratio? … The formula for P/E is: Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS) Or for Southern Missouri Bancorp: P/E of 11.21 = $33.2 ÷ $2.96 (Based on the trailing twelve months to March 2019.) Is A High Price-to-Earnings Ratio Good?

Simply Wall St -

Is Now The Time To Put Southern Missouri Bancorp (NASDAQ:SMBC) On Your Watchlist?

So it is good to see that Southern Missouri Bancorp insiders have a significant amount of capital invested in the stock. … One positive for Southern Missouri Bancorp is that it is growing EPS. … The fact that EPS is growing is a genuine positive for Southern Missouri Bancorp, but the pretty picture gets better than that.

Simply Wall St -

Do Insiders Own Lots Of Shares In Southern Missouri Bancorp, Inc. (NASDAQ:SMBC)?

If you want to know who really controls Southern Missouri Bancorp, Inc. … (NASDAQ:SMBC), then you'll have to look at the makeup of its share registry. … With a market capitalization of US$313m, Southern Missouri Bancorp is a small cap stock, so it might not be well known by many institutional investors.

Simply Wall St -

Is Southern Missouri Bancorp, Inc. (NASDAQ:SMBC) Excessively Paying Its CEO?

First, this article will compare CEO compensation with compensation at similar sized companies. … How Does Greg Steffens's Compensation Compare With Similar Sized Companies. … has a market capitalization of US$303m, and pays its CEO total annual compensation worth US$530k.

Simply Wall St -

Should Southern Missouri Bancorp, Inc. (NASDAQ:SMBC) Be Part Of Your Dividend Portfolio?

Historically, Southern Missouri Bancorp, Inc. … Let's dig deeper into whether Southern Missouri Bancorp should have a place in your portfolio. … See our latest analysis for Southern Missouri Bancorp

Simply Wall St -

Introducing Southern Missouri Bancorp, The Stock That Zoomed 107% In The Last Five Years

One flawed but reasonable way to assess how sentiment around a company has changed, is to compare the earnings per share (EPS) with the share price. … Over half a decade, Southern Missouri Bancorp managed to grow its earnings per share at 13% a year. … It's always worth keeping an eye on CEO pay, but a more important question is whether the company will grow earnings throughout the years

Simply Wall St -

SMBC Company Info

Description

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. It offers various deposit instruments, including demand deposit accounts, negotiable order of withdrawal accounts, money market deposit accounts, saving accounts, certificates of deposit, and retirement savings plans. The company also provides loans for the acquisition or refinance of one-to four-family residences; loans secured by commercial real estate, including land, shopping centers, retail establishments, nursing homes and other healthcare related facilities, and other businesses; construction loans; and various secured consumer loans comprising home equity, direct and indirect automobile loans, second mortgages, mobile home loans, and loans secured by deposits. In addition, it offers commercial business loans, such as loans to finance accounts receivable, inventory, equipment, and operating lines of credit. As of June 30, 2019, the company operated 44 full-service branch offices, and 2 limited-service branch offices located in Poplar Bluff, Van Buren, Dexter, Kennett, Doniphan, Sikeston, Qulin, Matthews, Springfield, Thayer, West Plains, Alton, Clever, Forsyth, Fremont Hills, Kimberling City, Ozark, Nixa, Rogersville, Marshfield, Cape Girardeau, Jackson, Gideon, Chaffee, Benton, Advance, Bloomfield, and Essex Missouri; Jonesboro, Paragould, Batesville, Searcy, Bald Knob, and Bradford, Arkansas; and Anna, Cairo, and Tamms, Illinois. Southern Missouri Bancorp, Inc. was founded in 1887 and is headquartered in Poplar Bluff, Missouri.

Details
Name: Southern Missouri Bancorp, Inc.
SMBC
Exchange: NasdaqGM
Founded: 1887
$199,229,366
9,210,789
Website: http://www.bankwithsouthern.com
Address: Southern Missouri Bancorp, Inc.
2991 Oak Grove Road,
Poplar Bluff,
Missouri, 63901,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqGM SMBC Common Stock Nasdaq Global Market US USD 13. Apr 1994
Number of employees
Current staff
Staff numbers
454
Southern Missouri Bancorp employees.
Industry
Thrifts and Mortgage Finance
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2020/04/08 08:50
End of day share price update: 2020/04/07 00:00
Last estimates confirmation: 2020/04/01
Last earnings filing: 2020/02/10
Last earnings reported: 2019/12/31
Last annual earnings reported: 2019/06/30


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.