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24.5 (1y: +11%)
Market Cap 78.59 M P/E(ttm) 8.70
Enterprise Value 130.31 M P/B 1.10
SMBC- NAS (USA)
Southern Missouri Bancorp Inc
  • Currently 1/5
Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$24.50
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GuruFocus Financial Strength Rank measures how strong a companyย’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 1.094
SMBC's Cash to Debt is ranked higher than
74% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.42 vs. SMBC: 1.094 )
SMBC' s 10-Year Cash to Debt Range
Min: 0.06   Max: 1.09
Current: 1.09
0.06
1.09
Equity to Asset 0.128
SMBC's Equity to Asset is ranked higher than
81% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. SMBC: 0.128 )
SMBC' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.14
Current: 0.13
0.07
0.14
Interest Coverage No Debt
SMBC's Interest Coverage is ranked higher than
71% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10000.00 vs. SMBC: No Debt )
SMBC' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.39
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 7/10

vs
industry		 vs
history
Operating margin (%) 44.40
SMBC's Operating margin (%) is ranked higher than
89% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.80 vs. SMBC: 44.40 )
SMBC' s 10-Year Operating margin (%) Range
Min: 0.2   Max: 50.8
Current: 44.4
0.2
50.8
Net-margin (%) 30.5
SMBC's Net-margin (%) is ranked higher than
88% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.70 vs. SMBC: 30.5 )
SMBC' s 10-Year Net-margin (%) Range
Min: 0.9   Max: 33.5
Current: 30.5
0.9
33.5
ROE (%) 10.7
SMBC's ROE (%) is ranked higher than
86% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.20 vs. SMBC: 10.7 )
SMBC' s 10-Year ROE (%) Range
Min: 0.4   Max: 20.6
Current: 10.7
0.4
20.6
ROA (%) 1.4
SMBC's ROA (%) is ranked higher than
91% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.50 vs. SMBC: 1.4 )
SMBC' s 10-Year ROA (%) Range
Min: 0.6   Max: 1.7
Current: 1.4
0.6
1.7
Revenue Growth (%) 11.2
SMBC's Revenue Growth (%) is ranked higher than
94% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. SMBC: 11.2 )
SMBC' s 10-Year Revenue Growth (%) Range
Min: 3.2   Max: 25.7
Current: 11.2
3.2
25.7
EBITDA Growth (%) 16.4
SMBC's EBITDA Growth (%) is ranked higher than
90% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. SMBC: 16.4 )
SMBC' s 10-Year EBITDA Growth (%) Range
Min: -31.2   Max: 60.2
Current: 16.4
-31.2
60.2
EPS Growth (%) 18.7
SMBC's EPS Growth (%) is ranked higher than
91% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. SMBC: 18.7 )
SMBC' s 10-Year EPS Growth (%) Range
Min: -52.1   Max: 138.9
Current: 18.7
-52.1
138.9
ยป SMBC's 10-Y Financials

Financials


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

» Details

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ยป Financial Charts

Peter Lynch Chart

Ratios

vs
industry		 vs
history
P/E(ttm) 8.70
SMBC's P/E(ttm) is ranked higher than
84% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.60 vs. SMBC: 8.70 )
SMBC' s 10-Year P/E(ttm) Range
Min: 3.51   Max: 368.75
Current: 8.7
3.51
368.75
P/B 1.10
SMBC's P/B is ranked higher than
57% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.97 vs. SMBC: 1.10 )
SMBC' s 10-Year P/B Range
Min: 0.59   Max: 1.57
Current: 1.1
0.59
1.57
P/S 2.51
SMBC's P/S is ranked higher than
61% of the 1433 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.33 vs. SMBC: 2.51 )
SMBC' s 10-Year P/S Range
Min: 1.16   Max: 3.67
Current: 2.51
1.16
3.67
PFCF 13.30
SMBC's PFCF is ranked lower than
57% of the 1087 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.38 vs. SMBC: 13.30 )
SMBC' s 10-Year PFCF Range
Min: 3.09   Max: 245
Current: 13.3
3.09
245
EV-to-EBIT 9.4
SMBC's EV-to-EBIT is ranked higher than
84% of the 1102 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.26 vs. SMBC: 9.4 )
SMBC' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 4056.4
Current: 9.4
0.1
4056.4
PEG 0.3
SMBC's PEG is ranked higher than
87% of the 491 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.79 vs. SMBC: 0.3 )
SMBC' s 10-Year PEG Range
Min: 0.01   Max: 71.46
Current: 0.3
0.01
71.46
Shiller P/E 8.6
SMBC's Shiller P/E is ranked lower than
100% of the Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: vs. SMBC: 8.6 )
SMBC' s 10-Year Shiller P/E Range
Min: 7.18   Max: 19.41
Current: 8.6
7.18
19.41

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 2.45
SMBC's Dividend Yield is ranked higher than
64% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. SMBC: 2.45 )
SMBC' s 10-Year Dividend Yield Range
Min: 1.86   Max: 5.11
Current: 2.45
1.86
5.11
Dividend Payout 0.202
SMBC's Dividend Payout is ranked higher than
80% of the 951 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.30 vs. SMBC: 0.202 )
SMBC' s 10-Year Dividend Payout Range
Min: 0.09   Max: 7.22
Current: 0.2
0.09
7.22
Dividend growth (3y) 7.5
SMBC's Dividend growth (3y) is ranked higher than
95% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. SMBC: 7.5 )
SMBC' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 9.5
Current: 7.5
0
9.5
Yield on cost (5-Year) 3.46
SMBC's Yield on cost (5-Year) is ranked higher than
77% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.26 vs. SMBC: 3.46 )
SMBC' s 10-Year Yield on cost (5-Year) Range
Min: 2.57   Max: 7.07
Current: 3.46
2.57
7.07
Share Buyback Rate -8
SMBC's Share Buyback Rate is ranked lower than
59% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -0.20 vs. SMBC: -8 )
SMBC' s 10-Year Share Buyback Rate Range
Min: 3.8   Max: -8
Current: -8

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.1
SMBC's Price/Tangible Book is ranked higher than
72% of the 1191 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. SMBC: 1.1 )
SMBC' s 10-Year Price/Tangible Book Range
Min: 0.7   Max: 1.6
Current: 1.1
0.7
1.6
Price/DCF (Projected) 0.5
SMBC's Price/DCF (Projected) is ranked higher than
77% of the 679 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. SMBC: 0.5 )
SMBC' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 0.5
Current: 0.5
0.3
0.5
Price/Median PS Value 1
SMBC's Price/Median PS Value is ranked higher than
61% of the 1268 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. SMBC: 1 )
SMBC' s 10-Year Price/Median PS Value Range
Min: 0.5   Max: 1.4
Current: 1
0.5
1.4
Price/Peter Lynch Fair Value 0.4
SMBC's Price/Peter Lynch Fair Value is ranked higher than
93% of the 273 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. SMBC: 0.4 )
SMBC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.2   Max: 69
Current: 0.4
0.2
69
Price/Graham Number 0.5
SMBC's Price/Graham Number is ranked higher than
84% of the 1094 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. SMBC: 0.5 )
SMBC' s 10-Year Price/Graham Number Range
Min: 0.4   Max: 4.2
Current: 0.5
0.4
4.2
Earnings Yield (Greenblatt) 10.60
SMBC's Earnings Yield (Greenblatt) is ranked higher than
89% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.10 vs. SMBC: 10.60 )
SMBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.2   Max: 14694.8
Current: 10.6
2.2
14694.8
Forward Rate of Return (Yacktman) 31.45
SMBC's Forward Rate of Return (Yacktman) is ranked higher than
92% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. SMBC: 31.45 )
SMBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -76.8   Max: 895.4
Current: 31.45
-76.8
895.4

Business Description

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.
Company Website
SEC Reports
Industry: Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC
ยป 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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