Southern Missouri BancorpSMBC +0.26%69 FCF Margin % is 56.81% as of Mar. 2026, which is 51% above its 10-year median of 37.60. GuruFocus rates SMBC with a GF Score™ of 69/100 and a GF Value™ of $61.11 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,504 Banks companies, Southern Missouri Bancorp ranks better than 72.67% on this metric.
* 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.
For the Banks - Regional subindustry, Southern Missouri Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Southern Missouri Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Southern Missouri Bancorp's FCF Margin % falls into.
* 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 FCF Margin % of 56.81% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Southern Missouri Bancorp and its competitors. This is 51% above median its historical median of 37.60. Over the past decade, Southern Missouri Bancorp's FCF Margin % has ranged from 14.08 to 50.27. According to the industry distribution chart, Southern Missouri Bancorp ranks #411 out of 1504 companies in the Banks industry, placing it in the top 27.3%.
Is Southern Missouri Bancorp's FCF Margin % too high?
Southern Missouri Bancorp's current FCF Margin % of 56.81% is 51% above median its 10-year median of 37.60. Over the past 10 years, this metric has ranged from a low of 14.08 to a high of 50.27. The Banks industry median FCF Margin % is 26.50. Southern Missouri Bancorp's value of 56.81% is 114.4% above this industry median. Based on the distribution chart, Southern Missouri Bancorp ranks #411 out of 1504 companies in the Banks industry, which is above the industry midpoint. 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 FCF Margin % compare to PGC and HBIA?
According to the Banks industry distribution chart, Southern Missouri Bancorp ranks #411 out of 1504 companies for FCF Margin %. This puts Southern Missouri Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.50. Southern Missouri Bancorp's value of 56.81% is 114.4% above this benchmark. Historically, Southern Missouri Bancorp's own FCF Margin % has ranged from 14.08 to 50.27 over the past decade. While the company's 10-year median is 37.60 vs. the industry median of 26.50, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern Missouri Bancorp's current FCF Margin % of 56.81% is 114.4% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Southern Missouri Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern Missouri Bancorp's current FCF Margin % is 56.81%, which is 51% above median its own 10-year median of 37.60. 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 $61.11, compared to a current price of $74.60 — trading 22.1% above its estimated fair value. The current FCF Margin % is 56.81%, which is 51% above median its 10-year median of 37.60 and 114.4% above the Banks industry median of 26.50. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Southern Missouri Bancorp (SMBC), the current FCF Margin % is 56.81% 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 $74.60 is trading 22.1% above its estimated GF Value™ of $61.11.
GuruFocus considers Southern Missouri Bancorp to be Modestly Overvalued.
Key valuation signals for SMBC:
FCF Margin %: 56.81% (51% above median its 10-year median of 37.60)
GF Value™: $61.11 vs. price of $74.60 (22.1% above fair value)
Industry Position: 114.4% above the Banks median (#411 of 1504)
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.
69GF Score
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