Southern Missouri BancorpSMBC +0.56%69 FCF Yield % is 10.87 as of Jun. 26, 2026, which is 1% below its 10-year median of 10.95. 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 1,505 Banks companies, Southern Missouri Bancorp ranks better than 62.19% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Southern Missouri Bancorp FCF Yield % Related Terms
Southern Missouri Bancorp FCF Yield % 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.
For the Banks - Regional subindustry, Southern Missouri Bancorp's FCF Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Southern Missouri Bancorp's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Southern Missouri Bancorp's FCF Yield % 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 Yield % of 10.87 as of Jun. 26, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Southern Missouri Bancorp and its competitors. This is near median its historical median of 10.95. Over the past decade, Southern Missouri Bancorp's FCF Yield % has ranged from 3.32 to 18.24. According to the industry distribution chart, Southern Missouri Bancorp ranks #569 out of 1505 companies in the Banks industry, placing it in the top 37.8%.
Is Southern Missouri Bancorp's FCF Yield % too high?
Southern Missouri Bancorp's current FCF Yield % of 10.87 is near median its 10-year median of 10.95. Over the past 10 years, this metric has ranged from a low of 3.32 to a high of 18.24. The Banks industry median FCF Yield % is 8.20. Southern Missouri Bancorp's value of 10.87 is 32.6% above this industry median. Based on the distribution chart, Southern Missouri Bancorp ranks #569 out of 1505 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 Yield % compare to PGC and HBIA?
According to the Banks industry distribution chart, Southern Missouri Bancorp ranks #569 out of 1505 companies for FCF Yield %. This puts Southern Missouri Bancorp in the upper half of its industry. The industry median FCF Yield % is 8.20. Southern Missouri Bancorp's value of 10.87 is 32.6% above this benchmark. Historically, Southern Missouri Bancorp's own FCF Yield % has ranged from 3.32 to 18.24 over the past decade. While the company's 10-year median is 10.95 vs. the industry median of 8.20, 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.20, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern Missouri Bancorp's current FCF Yield % of 10.87 is 32.6% 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Southern Missouri Bancorp and its competitors. For the Banks industry, the median FCF Yield % is 8.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern Missouri Bancorp's current FCF Yield % is 10.87, which is near median its own 10-year median of 10.95. 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 $75.14 — trading 23% above its estimated fair value. The current FCF Yield % is 10.87, which is near median its 10-year median of 10.95 and 32.6% above the Banks industry median of 8.20. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Southern Missouri Bancorp (SMBC), the current FCF Yield % is 10.87 as of Jun. 26, 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 $75.14 is trading 23% above its estimated GF Value™ of $61.11.
GuruFocus considers Southern Missouri Bancorp to be Modestly Overvalued.
Key valuation signals for SMBC:
FCF Yield %: 10.87 (near median its 10-year median of 10.95)
GF Value™: $61.11 vs. price of $75.14 (23% above fair value)
Industry Position: 32.6% above the Banks median (#569 of 1505)
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
Get the complete analysis for SMBC
FCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SMBC has been successfully added to your 
