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Southern Missouri Bancorp

Community bank holding company built by acquiring small banks across four Midwest and mid-South states.

$73.98
After-hours close−0.05 (−0.07%)
At close$74.03(−0.39%)
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Profile

Southern Missouri Bancorp, Inc.SMBCFinancials

Operates as a Missouri-based bank holding company built through decades of acquiring small community banks across Arkansas, Illinois, and Kansas, funding real estate, agricultural, and commercial lending with a low-cost base of local core deposits.

Grew from a Missouri thrift chartered in 1887 into a bank holding company through a 1994 stock-conversion offering, then a later charter conversion that turned the operating bank into a state trust company with full banking powers under Federal Reserve oversight.

Since then, expansion has come almost entirely through acquiring small community banks in Arkansas, Illinois, and Kansas, each folded into the Missouri-based operating bank, Southern Bank, for its local deposit base as much as its loan book — a strategy directed by the same chief executive for more than two decades.

Serves commercial, agricultural, and retail customers across a four-state Midwest and mid-South footprint, regulated jointly by the Missouri Division of Finance and the Federal Reserve.

Company facts

CEOGreg A. Steffens
ListedApr 13, 1994
ExchangeNASDAQ
HeadquartersPoplar Bluff, MO
CountryUnited States
Employees696
CIK0000916907
ISINUS8433801060

Categories

Key statistics

Market cap$814.9M
EPS (ttm)$6.43
P/E (ttm)11.51
ROE12.5%
P/B1.37
P/S2.63
Dividend yield1.38%
Beta0.44vs XLF 0.83

Year to date +26.3% · Average volume (30d) 96.5K

Analysts

Price target, next 12 months$84.00+13.5%Median of 3 analysts · vs the Aug 28 close
ConsensusHold1 of 3 analysts rate it buy or better

Ratings

Target range

Latest analyst notes

DateFirmActionRatingPrior targetTarget
Aug 6, 2026StephensTarget$76$85
Jul 27, 2026Piper SandlerReiterateNeutral$79$83
Jun 26, 2026Piper SandlerReiterateNeutral$71$79
Apr 27, 2026Piper SandlerReiterateNeutral$68$71
Apr 24, 2026StephensTarget$73$76

Earnings

EPS

Estimate$1.66
ReportedDue Oct 28, 2026

Revenue

Estimate$52.5M
ReportedDue Oct 28, 2026

History

Report dateEPS estEPSSurpriseRevenue estRevenueSurpriseNext session
Jul 22, 2026Q4 FY26$1.52$1.83+20.4%$51.1M$51.8M+1.2%+3.06%
Apr 22, 2026Q3 FY26$1.55$1.60+3.2%$49.9M$50.2M+0.8%+2.94%
Jan 21, 2026Q2 FY26$1.56$1.62+3.8%$50.0M$49.6M−0.6%+0.24%
Oct 22, 2025Q1 FY26$1.31$1.42+8.4%$49.9M$49.0M−1.9%+2.99%
View details

Financial highlights

12 quartersQ3 FY25Q4 FY25Q1 FY26Q2 FY26Q3 FY26Q4 FY26
Revenue$76.6M$77.9M$79.6M$79.0M$77.9M$72.8M
Gross profit$45.2M$45.1M$44.5M$49.6M$48.1M$48.5M
Operating income$19.8M$19.1M$19.4M$24.4M$21.9M$23.0M
Net income$15.6M$15.8M$15.7M$18.2M$17.8M$20.3M
Diluted EPS$1.39$1.39$1.38$1.62$1.60$1.83
Gross margin59.1%57.9%55.9%62.8%61.7%66.7%
Operating margin25.9%24.6%24.4%30.9%28.2%31.6%

Fiscal years (4-quarter sums)FY22 $138.1M · FY23 $202.6M · FY24 $273.2M · FY25 $305.3M · FY26 $309.3M

Balance sheet, Jun 30, 2026Cash & short-term investments $541.7M · Total debt $148.3M · Total assets $5.23B · Shareholders' equity $590.7M

Dividends

Next ex-date
Nov 14, 2026
estimated · in 77 days
Annual dividend
$1.02
per share
Dividend yield
1.38%
Schedule
Quarterly
4 payments a year

Raised for 29 straight years — most recently to $0.27 from $0.25 in Aug 2026. To collect a payout, hold shares through the close before the ex-date.

History

Ex-dateRecordPaidAmountNote
Aug 14, 2026Aug 14Aug 31$0.27raised from $0.25
May 15, 2026May 15May 29$0.25
Feb 13, 2026Feb 13Feb 27$0.25
Nov 14, 2025Nov 14Nov 28$0.25
Aug 15, 2025Aug 15Aug 29$0.25raised from $0.23
May 15, 2025May 15May 30$0.23
Feb 14, 2025Feb 14Feb 28$0.23
Nov 15, 2024Nov 15Nov 29$0.23
View details

Ownership

Institutions 63.52%7.00M sharesInsiders 10.51%1.16M sharesOther 25.97%2.86M shares

Shares outstanding 11.02M · Float 9.29M · 84.3% free float

Top shareholders13F · 13D/G · Form 4

HolderShares% outstandingFormFiled
BlackRock, Inc.1.12M10.16%13FAug 7, 2026
Todd E. Hensley · director549.3K4.99%Form 4Feb 26, 2026
Dimensional Fund Advisors LP465.8K4.23%13FAug 11, 2026
Vanguard Capital Management LLC417.0K3.79%13FAug 13, 2026
State Street Corp358.9K3.26%13FAug 7, 2026

Insider tradesForm 4

DateInsiderRoleSharesAvg price
Aug 18, 2026Mark E. Heckerofficer: EVP-CHIEF CREDIT OFFICER−2,685$75.53
Jun 5, 2026Richard Windesofficer: EVP-CHIEF LENDING OFFICER−2,000$69.70
May 21, 2026Richard Windesofficer: EVP-CHIEF LENDING OFFICER−2,000$68.47
May 6, 2026Douglas Bagbydirector−580$68.90
Mar 4, 2026Charles R. Lovedirector−580$64.00
View details

Peers

  • Great Southern Bancorp

    Same-size Missouri rival with overlapping CRE, C&I, and KC-metro deposits

  • Equity Bancshares

    Wichita-based rival with matching ag, CRE, and KC-metro deposit strategy

  • Simmons First National

    $24.5B Mid-South regional bank overlapping in Arkansas, Missouri, and Kansas

  • Commerce Bancshares

    $32B Missouri regional bank with ~10% Kansas City deposit share

  • Enterprise Financial Services

    $17B St. Louis-based bank growing fast in the Kansas City metro

  • QCR

    Multi-bank holding co. with #2 Springfield, Missouri deposit share

  • First Busey

    $18B commercial bank spanning Kansas City metro, Illinois, and Missouri

  • UMB Financial

    Kansas City's #1 bank by deposits; a $73B super-regional overlap

CompareAfter-hours close

CompanyPriceChange
Southern Missouri Bancorp$73.98−0.07%$814.9M11.511.02.6+8.7%
Great Southern Bancorp$78.87+0.06%$859.1M13.114.32.7−3.9%
Equity Bancshares$49.62−0.13%$1.02B28.49.62.7+42.3%
Simmons First National$22.69+0.02%$3.29B—10.75.8+69,452.9%
Commerce Bancshares$58.04+0.02%$8.46B14.113.13.9+11.9%
Enterprise Financial Services$63.59+0.05%$2.30B12.611.22.3+30.9%
QCR$100.63−0.11%$1.66B11.911.82.7+19.0%
First Busey$30.290.00%$2.56B10.911.42.7−1.9%
UMB Financial$144.59+0.07%$10.98B12.011.02.4+22.9%
Median12.611.32.7+20.9%