Southern Missouri Bancorp, Inc. (SMBC): Price and Financial Metrics

SMBC POWR Grades

• Stability is the dimension where SMBC ranks best; there it ranks ahead of 97.19% of US stocks.
• The strongest trend for SMBC is in Momentum, which has been heading up over the past 179 days.
• SMBC ranks lowest in Growth; there it ranks in the 29th percentile.

SMBC Stock Summary

• Equity multiplier, or assets relative to shareholders' equity, comes in at 9.63 for Southern Missouri Bancorp Inc; that's greater than it is for 90.76% of US stocks.
• With a year-over-year growth in debt of -33.99%, Southern Missouri Bancorp Inc's debt growth rate surpasses only 12.05% of about US stocks.
• Southern Missouri Bancorp Inc's shareholder yield -- a measure of how much capital is returned to stockholders via dividends and buybacks -- is 8.87%, greater than the shareholder yield of 82.4% of stocks in our set.
• If you're looking for stocks that are quantitatively similar to Southern Missouri Bancorp Inc, a group of peers worth examining would be FUNC, HBT, NBTB, PCB, and EBMT.
• SMBC's SEC filings can be seen here. And to visit Southern Missouri Bancorp Inc's official web site, go to www.bankwithsouthern.com.

SMBC Valuation Summary

• In comparison to the median Financial Services stock, SMBC's price/sales ratio is 18.75% higher, now standing at 3.8.
• SMBC's price/sales ratio has moved up 1 over the prior 243 months.
• Over the past 243 months, SMBC's price/earnings ratio has gone down 4.7.

Below are key valuation metrics over time for SMBC.

SMBC Growth Metrics

Its year over year net income to common stockholders growth rate is now at 43.24%.
• Its 5 year price growth rate is now at -9.96%.
• Its year over year price growth rate is now at 96.67%.

Over the past 15 months, SMBC's revenue has gone up $27,951,000.

The table below shows SMBC's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2021-12-31	120.301	61.424	49.878
2021-09-30	118.593	60.057	49.941
2021-06-30	113.752	51.762	47.18
2021-03-31	105.32	44.536	40.393
2020-12-31	97.662	42.537	34.034
2020-09-30	92.35	41	29.703

SMBC's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• SMBC has a Quality Grade of C, ranking ahead of 48.84% of graded US stocks.
• SMBC's asset turnover comes in at 0.043 -- ranking 129th of 430 Banking stocks.
• COF, SFST, and AXP are the stocks whose asset turnover ratios are most correlated with SMBC.

The table below shows SMBC's key quality metrics over time.