SMBC (Southern Missouri Bancorp) Cyclically Adjusted FCF per Share: $5.78 (As of Mar. 2026)


SMBC Southern Missouri Bancorp Inc SMBC
69 GF Score
Price $76.20
GF Value $61.33
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Southern Missouri Bancorp Cyclically Adjusted FCF per Share?

Southern Missouri Bancorp SMBC -2.17% 69 Cyclically Adjusted FCF per Share is $5.78 as of Mar. 2026. GuruFocus rates SMBC with a GF Score™ of 69/100 and a GF Value™ of $61.33 (Modestly Overvalued). The stock has 8 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Southern Missouri Bancorp's adjusted free cash flow per share for the three months ended in Mar. 2026 was $2.577. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $5.78 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Southern Missouri Bancorp's average Cyclically Adjusted FCF Growth Rate was 17.20% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 13.30% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 17.70% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 15.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Southern Missouri Bancorp was 23.50% per year. The lowest was 3.00% per year. And the median was 14.55% per year.

As of today (2026-07-06), Southern Missouri Bancorp's current stock price is $76.20. Southern Missouri Bancorp's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $5.78. Southern Missouri Bancorp's Cyclically Adjusted Price-to-FCF of today is 13.18.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Southern Missouri Bancorp was 27.09. The lowest was 8.23. And the median was 14.60.


Southern Missouri Bancorp  (NAS:SMBC) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Southern Missouri Bancorp's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=76.20/5.78
=13.18

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Southern Missouri Bancorp was 27.09. The lowest was 8.23. And the median was 14.60.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Southern Missouri Bancorp Cyclically Adjusted FCF per Share Related Terms


Southern Missouri Bancorp Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Southern Missouri Bancorp's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Southern Missouri Bancorp Cyclically Adjusted FCF per Share Chart

Southern Missouri Bancorp Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.65 3.54 4.06 4.58 5.15

Southern Missouri Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.93 5.15 5.33 5.48 5.78

SMBC vs PGC, FCBC, CCBG: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Southern Missouri Bancorp's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Southern Missouri Bancorp Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Southern Missouri Bancorp's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Southern Missouri Bancorp's Cyclically Adjusted Price-to-FCF falls into.


SMBC
69GF Score
Southern Missouri Bancorp Inc SMBC
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Southern Missouri Bancorp Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Southern Missouri Bancorp's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=2.577/330.2130*330.2130
=2.577

Current CPI (Mar. 2026) = 330.2130.

Southern Missouri Bancorp Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.492 241.018 0.674
201609 0.088 241.428 0.120
201612 1.087 241.432 1.487
201703 0.865 243.801 1.172
201706 0.961 244.955 1.295
201709 0.365 246.819 0.488
201712 0.772 246.524 1.034
201803 1.078 249.554 1.426
201806 1.027 251.989 1.346
201809 0.705 252.439 0.922
201812 0.569 251.233 0.748
201903 1.291 254.202 1.677
201906 0.783 256.143 1.009
201909 0.381 256.759 0.490
201912 1.245 256.974 1.600
202003 1.080 258.115 1.382
202006 1.208 257.797 1.547
202009 0.599 260.280 0.760
202012 1.481 260.474 1.878
202103 1.374 264.877 1.713
202106 1.988 271.696 2.416
202109 1.255 274.310 1.511
202112 1.661 278.802 1.967
202203 1.729 287.504 1.986
202206 2.293 296.311 2.555
202209 0.723 296.808 0.804
202212 2.206 296.797 2.454
202303 0.752 301.836 0.823
202306 1.847 305.109 1.999
202309 1.131 307.789 1.213
202312 1.377 306.746 1.482
202403 1.731 312.332 1.830
202406 1.179 314.175 1.239
202409 0.762 315.301 0.798
202412 1.612 315.605 1.687
202503 2.018 319.799 2.084
202506 2.293 322.561 2.347
202509 1.366 324.800 1.389
202512 1.803 324.054 1.837
202603 2.577 330.213 2.577

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $5.78 mean?
Southern Missouri Bancorp (SMBC) has a Cyclically Adjusted FCF per Share of $5.78 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Southern Missouri Bancorp and its competitors.
Is Southern Missouri Bancorp's Cyclically Adjusted FCF per Share too high?
Southern Missouri Bancorp's current Cyclically Adjusted FCF per Share is $5.78. Overall, Southern Missouri Bancorp has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southern Missouri Bancorp's Cyclically Adjusted FCF per Share compare to PGC and FCBC?
Southern Missouri Bancorp's Cyclically Adjusted FCF per Share of $5.78 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Southern Missouri Bancorp and its competitors. Southern Missouri Bancorp's current Cyclically Adjusted FCF per Share is $5.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southern Missouri Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Southern Missouri Bancorp (SMBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $61.33, compared to a current price of $76.20 — trading 24.2% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $5.78. Southern Missouri Bancorp's overall GF Score™ is 69/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Southern Missouri Bancorp (SMBC), the current Cyclically Adjusted FCF per Share is $5.78 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Southern Missouri Bancorp (SMBC) Overvalued in 2026?

Based on GuruFocus' analysis, Southern Missouri Bancorp stock appears to be overvalued. The current stock price of $76.20 is trading 24.2% above its estimated GF Value™ of $61.33. GuruFocus considers Southern Missouri Bancorp to be Modestly Overvalued.

Key valuation signals for SMBC:

  • Cyclically Adjusted FCF per Share: $5.78
  • GF Value™: $61.33 vs. price of $76.20 (24.2% above fair value)
  • GF Score™: 69/100 with 8 warning signs

No single metric tells the full story. See the SMBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Southern Missouri Bancorp Business Description

Address 2991 Oak Grove Road, Poplar Bluff, MO, USA, 63901
Southern Missouri Bancorp Inc is a USA-based holding company for Southern Missouri Savings Bank. 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, 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. It is engaged in providing the range of banking and financial services to individuals and corporate customers in its market areas. The company derives revenue principally from interest earned on loans, debt securities, bank card interchange fees, loan late charges and another fee income.
69GF Score

Get the complete analysis for SMBC

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$76.20
Price
$61.33
GF Value