SMBC (Southern Missouri Bancorp) Moat Score: 4/10 (As of Jun. 28, 2026)


SMBC Southern Missouri Bancorp Inc SMBC
68 GF Score
Price $76.52
GF Value $61.11
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Southern Missouri Bancorp Moat Score?

Southern Missouri Bancorp SMBC +2.72% 68 Moat Score is 4 as of Jun. 28, 2026. GuruFocus rates SMBC with a GF Score™ of 68/100 and a GF Value™ of $61.11 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,614 Banks companies, Southern Missouri Bancorp ranks better than 86.25% on this metric.

Southern Missouri Bancorp has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Southern Missouri Bancorp has Narrow Moat: Southern Missouri Bancorp Inc has a modest moat due to its regional presence and customer relationships. The banking sector is competitive, but the company benefits from some cost advantages and regulatory barriers, resulting in a discernible but modest moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Southern Missouri Bancorp might have Narrow Moat - Discernible but modest moat.

Southern Missouri Bancorp  (NAS:SMBC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Southern Missouri Bancorp Moat Score Related Terms

SMBC vs PGC, HBIA, SPFI: Moat Score Comparison

For the Banks - Regional subindustry, Southern Missouri Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Southern Missouri Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Southern Missouri Bancorp's Moat Score falls into.


SMBC
68GF Score
Southern Missouri Bancorp Inc SMBC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Southern Missouri Bancorp (SMBC) has a Moat Score of 4 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Southern Missouri Bancorp ranks #222 out of 1614 companies in the Banks industry, placing it in the top 13.8%.
Is Southern Missouri Bancorp's Moat Score too high?
Southern Missouri Bancorp's current Moat Score is 4. Based on the distribution chart, Southern Missouri Bancorp ranks #222 out of 1614 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to PGC and HBIA?
According to the Banks industry distribution chart, Southern Missouri Bancorp ranks #222 out of 1614 companies for Moat Score. This places Southern Missouri Bancorp in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Southern Missouri Bancorp's current Moat Score is 4. 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 $76.52 — trading 25.2% above its estimated fair value. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Southern Missouri Bancorp (SMBC), the current Moat Score is 4 as of Jun. 28, 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 $76.52 is trading 25.2% above its estimated GF Value™ of $61.11. GuruFocus considers Southern Missouri Bancorp to be Modestly Overvalued.

Key valuation signals for SMBC:

  • Moat Score: 4
  • GF Value™: $61.11 vs. price of $76.52 (25.2% above fair value)
  • GF Score™: 68/100 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.
68GF Score

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$76.52
Price
$61.11
GF Value