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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.32
SMBC's Cash to Debt is ranked higher than
58% of the 1259 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. SMBC: 0.32 )
SMBC' s 10-Year Cash to Debt Range
Min: 0.06   Max: No Debt
Current: 0.32

Equity to Asset 0.11
SMBC's Equity to Asset is ranked higher than
78% of the 1649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. SMBC: 0.11 )
SMBC' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.18
Current: 0.11

0.07
0.18
Interest Coverage 1.87
SMBC's Interest Coverage is ranked higher than
75% of the 1447 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. SMBC: 1.87 )
SMBC' s 10-Year Interest Coverage Range
Min: 0.24   Max: 1.87
Current: 1.87

0.24
1.87
F-Score: 4
Z-Score: 0.23
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 42.16
SMBC's Operating margin (%) is ranked higher than
88% of the 1594 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.40 vs. SMBC: 42.16 )
SMBC' s 10-Year Operating margin (%) Range
Min: 0.19   Max: 50.84
Current: 42.16

0.19
50.84
Net-margin (%) 30.27
SMBC's Net-margin (%) is ranked higher than
87% of the 1613 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.45 vs. SMBC: 30.27 )
SMBC' s 10-Year Net-margin (%) Range
Min: 0.9   Max: 33.47
Current: 30.27

0.9
33.47
ROE (%) 9.89
SMBC's ROE (%) is ranked higher than
81% of the 1615 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.13 vs. SMBC: 9.89 )
SMBC' s 10-Year ROE (%) Range
Min: 0.42   Max: 20.58
Current: 9.89

0.42
20.58
ROA (%) 1.26
SMBC's ROA (%) is ranked higher than
91% of the 1616 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. SMBC: 1.26 )
SMBC' s 10-Year ROA (%) Range
Min: 0.03   Max: 1.67
Current: 1.26

0.03
1.67
ROC (Joel Greenblatt) (%) 80.05
SMBC's ROC (Joel Greenblatt) (%) is ranked higher than
76% of the 1569 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 73.85 vs. SMBC: 80.05 )
SMBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 0.15   Max: 216.21
Current: 80.05

0.15
216.21
Revenue Growth (%) 2.20
SMBC's Revenue Growth (%) is ranked higher than
79% of the 1443 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. SMBC: 2.20 )
SMBC' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 35.7
Current: 2.2

0
35.7
EBITDA Growth (%) 10.90
SMBC's EBITDA Growth (%) is ranked higher than
78% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. SMBC: 10.90 )
SMBC' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 87.4
Current: 10.9

0
87.4
EPS Growth (%) 13.90
SMBC's EPS Growth (%) is ranked higher than
80% of the 1283 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. SMBC: 13.90 )
SMBC' s 10-Year EPS Growth (%) Range
Min: -62.5   Max: 219.5
Current: 13.9

-62.5
219.5
» SMBC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 12.30
SMBC's P/E(ttm) is ranked higher than
83% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.40 vs. SMBC: 12.30 )
SMBC' s 10-Year P/E(ttm) Range
Min: 3.51   Max: 28.46
Current: 12.3

3.51
28.46
P/B 1.30
SMBC's P/B is ranked higher than
66% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. SMBC: 1.30 )
SMBC' s 10-Year P/B Range
Min: 0.59   Max: 1.53
Current: 1.3

0.59
1.53
P/S 3.20
SMBC's P/S is ranked higher than
69% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. SMBC: 3.20 )
SMBC' s 10-Year P/S Range
Min: 1.16   Max: 4.56
Current: 3.2

1.16
4.56
PFCF 21.00
SMBC's PFCF is ranked higher than
68% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 26.04 vs. SMBC: 21.00 )
SMBC' s 10-Year PFCF Range
Min: 3.09   Max: 70
Current: 21

3.09
70
EV-to-EBIT 12.82
SMBC's EV-to-EBIT is ranked higher than
81% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.36 vs. SMBC: 12.82 )
SMBC' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 4056.4
Current: 12.82

0.1
4056.4
PEG 0.90
SMBC's PEG is ranked higher than
87% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. SMBC: 0.90 )
SMBC' s 10-Year PEG Range
Min: 0.01   Max: 1.63
Current: 0.9

0.01
1.63
Shiller P/E 11.30
SMBC's Shiller P/E is ranked higher than
95% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 98.15 vs. SMBC: 11.30 )
SMBC' s 10-Year Shiller P/E Range
Min: 7.36   Max: 19.75
Current: 11.3

7.36
19.75

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.80
SMBC's Dividend Yield is ranked lower than
62% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.43 vs. SMBC: 1.80 )
SMBC' s 10-Year Dividend Yield Range
Min: 1.68   Max: 5.11
Current: 1.8

1.68
5.11
Dividend Payout 0.25
SMBC's Dividend Payout is ranked higher than
89% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. SMBC: 0.25 )
SMBC' s 10-Year Dividend Payout Range
Min: 0.05   Max: 1.26
Current: 0.25

0.05
1.26
Dividend growth (3y) 7.70
SMBC's Dividend growth (3y) is ranked higher than
80% of the 962 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.70 vs. SMBC: 7.70 )
SMBC' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 58.3
Current: 7.7

0
58.3
Yield on cost (5-Year) 3.01
SMBC's Yield on cost (5-Year) is ranked higher than
57% of the 1367 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.63 vs. SMBC: 3.01 )
SMBC' s 10-Year Yield on cost (5-Year) Range
Min: 2.81   Max: 8.53
Current: 3.01

2.81
8.53
Share Buyback Rate -17.10
SMBC's Share Buyback Rate is ranked higher than
53% of the 1242 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. SMBC: -17.10 )
SMBC' s 10-Year Share Buyback Rate Range
Min: 9   Max: -17.1
Current: -17.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.40
SMBC's Price/Tangible Book is ranked higher than
70% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.35 vs. SMBC: 1.40 )
SMBC' s 10-Year Price/Tangible Book Range
Min: 0.66   Max: 1.69
Current: 1.4

0.66
1.69
Price/DCF (Projected) 0.70
SMBC's Price/DCF (Projected) is ranked higher than
81% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. SMBC: 0.70 )
SMBC' s 10-Year Price/DCF (Projected) Range
Min: 0.25   Max: 0.84
Current: 0.7

0.25
0.84
Price/Median PS Value 1.30
SMBC's Price/Median PS Value is ranked higher than
62% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. SMBC: 1.30 )
SMBC' s 10-Year Price/Median PS Value Range
Min: 0.46   Max: 2.72
Current: 1.3

0.46
2.72
Price/Peter Lynch Fair Value 1.60
SMBC's Price/Peter Lynch Fair Value is ranked higher than
87% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. SMBC: 1.60 )
SMBC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.14   Max: 5.31
Current: 1.6

0.14
5.31
Price/Graham Number 0.80
SMBC's Price/Graham Number is ranked higher than
84% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. SMBC: 0.80 )
SMBC' s 10-Year Price/Graham Number Range
Min: 0.31   Max: 4.46
Current: 0.8

0.31
4.46
Earnings Yield (Greenblatt) 7.80
SMBC's Earnings Yield (Greenblatt) is ranked higher than
75% of the 1588 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. SMBC: 7.80 )
SMBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.2   Max: 14535.3
Current: 7.8

2.2
14535.3
Forward Rate of Return (Yacktman) 13.86
SMBC's Forward Rate of Return (Yacktman) is ranked higher than
73% of the 1260 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.98 vs. SMBC: 13.86 )
SMBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -77.6   Max: 898.3
Current: 13.86

-77.6
898.3

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC » details
Southern Missouri Bancorp, Inc., which changed its state of incorporation to Missouri on April 1, 1999, was originally incorporated in Delaware on December 30, 1993 for the purpose of becoming the holding Company for Southern Missouri Savings Bank upon completion of Southern Missouri Savings Bank's conversion from a state chartered mutual savings and loan association to a state chartered stock savings bank. Southern Missouri Savings Bank was originally chartered as a mutual Missouri savings and loan association in 1887. On June 20, 1995, it converted to a federally chartered stock savings bank and took the name Southern Missouri Savings Bank, FSB. On February 17, 1998, Southern Missouri Savings Bank converted from a federally chartered stock savings bank to a Missouri chartered stock savings bank and changed its name to Southern Missouri Bank & Trust Co. On June 4, 2004, Southern Missouri Bank & Trust Co. converted from a Missouri chartered stock savings bank to a Missouri state chartered trust Company with banking powers ('Charter Conversion'). On June 1, 2009, the institution changed its name to Southern Bank ('Bank'). The main 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 to a lesser extent, brokered deposits, to invest in one- to four-family residential mortgage loans, mortgage loans secured by commercial real estate, commercial non-mortgage business loans and consumer loans. These funds are also used to purchase mortgage-backed and related securities ('MBS'), U.S. Government Agency obligations and other permissible investments. The Bank's lending activities consist of origination of loans secured by mortgages on one- to four-family residences and commercial real estate, construction loans on residential and commercial properties, commercial business loans and consumer loans. The Bank has also occasionally purchased loan participation interests originated by other lenders and secured by properties generally located in the State of Missouri. The Company's sources of funds are deposits, borrowings, payments of principal and interest on loans, MBS and CMOs, interest and principal received on investment securities and other short-term investments, and funds provided from operating results. Major employers include Noranda Aluminum, Visiting Nurse Association, Good Humor-Breyers, Gates Rubber, John Pershing VA Hospital, Nordyne, the Poplar Bluff School District, the Missouri Delta Medical Center, Wal-Mart Stores, Mid-Continent Nail, Tyson Foods, and ArvinMeritor. The Bank faces competition in attracting deposits and originating loans. Federal and state banking laws and regulations govern all areas of the operation of the Bank, including reserves, loans, mortgages, capital, issuance of securities, payment of dividends and establishment of branches.
» More Articles for SMBC

Headlines

Articles On GuruFocus.com
Scores well on most Jan 12 2013 
Southern Missouri Bancorp Inc. Reports Operating Results (10-Q) Nov 15 2010 
Southern Missouri Bancorp Inc. Reports Operating Results (10-K) Sep 17 2010 
Southern Missouri Bancorp Inc. Reports Operating Results (10-Q) May 17 2010 
Southern Missouri Bancorp Inc. Reports Operating Results (10-Q) Feb 16 2010 
Southern Missouri Bancorp Inc. Reports Operating Results (10-Q) Nov 13 2009 
Southern Missouri Bancorp Inc. Reports Operating Results (10-K) Sep 28 2009 
Southern Missouri Bancorp Inc. Reports Operating Results (10-Q) May 15 2009 
Southern Missouri Bancorp Inc. Reports Operating Results (10-Q) Feb 13 2009 

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