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Southern Missouri BancorpSMBC -0.50%68 Equity-to-Asset is 0.11 as of Mar. 2026, which is 10% above its 10-year median of 0.10. GuruFocus rates SMBC with a GF Score™ of 68/100 and a GF Value™ of $60.71 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,525 Banks companies, Southern Missouri Bancorp ranks better than 63.8% on this metric.
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Southern Missouri Bancorp Equity-to-Asset Related Terms
Southern Missouri Bancorp Equity-to-Asset Historical Data
* 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.
SMBC vs SMBK, GSBC, EGBN: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Southern Missouri Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Southern Missouri Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Southern Missouri Bancorp's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Southern Missouri Bancorp's Equity to Asset Ratio for the fiscal year that ended in Jun. 2025 is calculated as
* 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 (SMBC) has a Equity-to-Asset of 0.11 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Southern Missouri Bancorp and its competitors. This is 10% above median its historical median of 0.10. Over the past decade, Southern Missouri Bancorp's Equity-to-Asset has ranged from 0.09 to 0.11. According to the industry distribution chart, Southern Missouri Bancorp ranks #552 out of 1525 companies in the Banks industry, placing it in the top 36.2%.
Is Southern Missouri Bancorp's Equity-to-Asset too high?
Southern Missouri Bancorp's current Equity-to-Asset of 0.11 is 10% above median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.11. The Banks industry median Equity-to-Asset is 0.10. Southern Missouri Bancorp's value of 0.11 is 10% above this industry median. Based on the distribution chart, Southern Missouri Bancorp ranks #552 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, Southern Missouri Bancorp has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southern Missouri Bancorp's Equity-to-Asset compare to SMBK and GSBC?
According to the Banks industry distribution chart, Southern Missouri Bancorp ranks #552 out of 1525 companies for Equity-to-Asset. This puts Southern Missouri Bancorp in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Southern Missouri Bancorp's value of 0.11 is 10% above this benchmark. Historically, Southern Missouri Bancorp's own Equity-to-Asset has ranged from 0.09 to 0.11 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.10, Southern Missouri Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern Missouri Bancorp's current Equity-to-Asset of 0.11 is 10% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Southern Missouri Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern Missouri Bancorp's current Equity-to-Asset is 0.11, which is 10% above median its own 10-year median of 0.10. 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 $60.71, compared to a current price of $76.35 — trading 25.8% above its estimated fair value. The current Equity-to-Asset is 0.11, which is 10% above median its 10-year median of 0.10 and 10% above the Banks industry median of 0.10. Southern Missouri Bancorp's overall GF Score™ is 68/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Southern Missouri Bancorp (SMBC), the current Equity-to-Asset is 0.11 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 $76.35 is trading 25.8% above its estimated GF Value™ of $60.71.
GuruFocus considers Southern Missouri Bancorp to be Modestly Overvalued.
Key valuation signals for SMBC:
Equity-to-Asset: 0.11 (10% above median its 10-year median of 0.10)
GF Value™: $60.71 vs. price of $76.35 (25.8% above fair value)
Industry Position: 10% above the Banks median (#552 of 1525)
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 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.
68GF Score
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