Southern Missouri Bancorp Inc (SMBC) Stock AnalysisSMBCSouthern Missouri Bancorp Inc

Southern Missouri Bancorp, Inc. is a bank holding company and the parent company of Southern Bank (Bank). The Bank is primarily engaged in providing a full range of banking and financial services to individuals and corporate customers in its market areas. The principal business of the Bank consists of attracting retail deposits from the general public and using such deposits along with wholesale funding from the Federal Home Loan Bank of Des Moines, (FHLB), and brokered deposits, to invest in one- to four-family residential mortgage loans, mortgage loans secured by commercial real estate, commercial non-mortgage business loans, construction loans, and consumer loans. These funds are also used to purchase mortgage-backed and related securities (MBS), municipal bonds, and other permissible investments. The Bank provides its customers with a full array of community banking services. It operates over 62 full-service branch offices and three limited-service branch offices. It operates in the Financials sector (SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED industry).

Southern Missouri Bancorp Inc is a good buy right now due to its strong earnings growth, with an EPS of $6.43 for fiscal 2026, marking a 24% year-over-year increase. The stock is currently priced at $70.18, which is below the average analyst price target of $80, indicating significant upside potential. Additionally, the company has a forward P/E ratio of 8.83, suggesting it is undervalued compared to its earnings growth. However, the main risk is the potential slowdown in net interest margins due to anticipated higher interest rates, which could impact profitability.

1 analysts cover SMBC: 1 rate it Buy, 0 Hold and 0 Sell. The average price target is 61.75.