Southern Missouri Financials

SMBC Stock  USD 56.65  0.85  1.48%   
Southern Missouri Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, Southern Missouri's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting. The current year's Total Current Liabilities is expected to grow to about 15.5 M, whereas Other Current Liabilities is forecasted to decline to (12.2 M). Key indicators impacting Southern Missouri's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.210.27
Significantly Down
Pretty Stable
Return On Assets0.00780.0098
Significantly Down
Very volatile
Return On Equity0.07660.0924
Significantly Down
Pretty Stable
Debt Equity Ratio0.280.29
Sufficiently Down
Pretty Stable
Operating Income76.3 M72.7 M
Sufficiently Up
Slightly volatile
Current Ratio0.930.98
Notably Down
Slightly volatile
The essential information of the day-to-day investment outlook for Southern Missouri includes many different criteria found on its balance sheet. An individual investor should monitor Southern Missouri's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Southern Missouri.

Net Income

60.59 Million

  
Please note, the presentation of Southern Missouri's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Southern Missouri's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Southern Missouri's management manipulating its earnings.

Southern Missouri Stock Summary

Southern Missouri competes with Commerzbank, Investar Holding, Colony Bankcorp, Western New, and IF Bancorp. 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. Southern Missouri Bancorp, Inc. was founded in 1887 and is headquartered in Poplar Bluff, Missouri. Southern operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 511 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS8433801060
CUSIP843380106
LocationMissouri; U.S.A
Business Address2991 Oak Grove
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.bankwithsouthern.com
Phone573 778 1800
CurrencyUSD - US Dollar

Southern Missouri Key Financial Ratios

Southern Missouri Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets2.7B3.2B4.4B4.6B5.3B5.6B
Other Current Liab(13.5M)(17.9M)(4.7M)(12.9M)(11.6M)(12.2M)
Net Debt(51.8M)(30.6M)101.4M63.8M73.4M39.4M
Retained Earnings200.1M240.1M270.7M311.4M358.1M376.0M
Accounts Payable779K801K4.7M12.9M14.8M15.5M
Cash124.6M91.6M55.2M61.4M70.6M74.1M
Other Assets2.1B3.6B3.3B75.1M86.4M82.1M
Net Receivables10.1M11.1M18.9M23.8M27.4M28.8M
Total Liab2.4B2.9B156.6M4.1B4.7B5.0B
Total Current Assets341.7M2.9B472.8M14.0M16.1M15.3M
Short Term Debt24.2M8.4M47.2M8.8M10.1M9.6M
Long Term Debt72.8M61.0M156.6M125.2M144.0M151.2M
Inventory(136.9M)2.2M(96.6M)37.6M33.8M35.5M
Treasury Stock(1.2M)(6.9M)(15.3M)(21.1M)(24.3M)(23.1M)
Common Stock94K98K404.2M120K138K131.1K
Other Current Assets155.5M2.6B77.7M61.4M70.6M67.1M
Intangible Assets21.2M35.5M30.5M26.5M30.5M32.0M
Net Tangible Assets237.7M262.2M285.3M367.7M422.9M444.0M
Capital Surpluse94.5M95.0M95.6M119.2M137.0M69.5M

Southern Missouri Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense16.8M13.3M49.7M108.9M125.2M131.5M
Total Revenue112.7M124.8M152.9M164.3M189.0M198.4M
Gross Profit112.7M124.8M152.9M273.1M314.0M329.7M
Operating Income59.7M77.7M49.5M63.2M72.7M76.3M
Ebit59.7M59.9M49.5M63.1M72.6M76.2M
Ebitda65.1M65.8M57.0M73.2M84.2M88.4M
Income Before Tax59.7M59.9M49.5M63.1M72.6M76.2M
Net Income47.2M47.2M39.2M50.2M57.7M60.6M
Income Tax Expense12.5M12.7M10.2M12.9M14.9M15.6M
Tax Provision12.5M12.7M10.2M12.9M14.9M9.8M
Net Interest Income92.7M103.6M126.7M139.5M160.4M90.5M
Interest Income109.5M116.9M176.4M248.4M285.6M299.9M

Southern Missouri Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash69.3M(36.8M)(32.8M)6.9M8.0M8.4M
Free Cash Flow48.9M62.7M56.0M61.2M70.4M73.9M
Depreciation5.4M5.9M7.6M10.1M11.6M12.2M
Other Non Cash Items(2.6M)13K(5.2M)(3.4M)(3.1M)(2.9M)
Dividends Paid5.6M7.2M8.6M9.5M11.0M11.5M
Capital Expenditures2.9M4.6M6.0M9.0M10.4M10.9M
Net Income47.2M47.2M39.2M50.2M57.7M60.6M
End Period Cash Flow123.6M86.8M54.0M60.9M70.0M73.5M
Investments(97.1M)(337.7M)(213.4M)(245.7M)(221.2M)(210.1M)
Net Borrowings17.6M(12.5M)(29.3M)67.8M61.0M58.0M
Change To Netincome4.4M(446K)1.4M12.2M14.0M14.7M

Southern Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Southern Missouri's current stock value. Our valuation model uses many indicators to compare Southern Missouri value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Southern Missouri competition to find correlations between indicators driving Southern Missouri's intrinsic value. More Info.
Southern Missouri Bancorp is rated fourth in return on equity category among its peers. It is rated third in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Southern Missouri Bancorp is roughly  9.70 . At present, Southern Missouri's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Southern Missouri's earnings, one of the primary drivers of an investment's value.

Southern Missouri Bancorp Systematic Risk

Southern Missouri's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Southern Missouri volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on Southern Missouri Bancorp correlated with the market. If Beta is less than 0 Southern Missouri generally moves in the opposite direction as compared to the market. If Southern Missouri Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Southern Missouri Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Southern Missouri is generally in the same direction as the market. If Beta > 1 Southern Missouri moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Southern Missouri Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Southern Missouri's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Southern Missouri growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.52

At present, Southern Missouri's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Southern Missouri February 26, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Southern Missouri help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Southern Missouri Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Southern Missouri Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Southern Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Southern Missouri's daily price indicators and compare them against related drivers.

Complementary Tools for Southern Stock analysis

When running Southern Missouri's price analysis, check to measure Southern Missouri's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Southern Missouri is operating at the current time. Most of Southern Missouri's value examination focuses on studying past and present price action to predict the probability of Southern Missouri's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Southern Missouri's price. Additionally, you may evaluate how the addition of Southern Missouri to your portfolios can decrease your overall portfolio volatility.
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