Southern Missouri BancorpSMBC -2.17%68 Return-on-Tangible-Equity is 14.24% as of Mar. 2026, which is 13% above its 10-year median of 12.65. GuruFocus rates SMBC with a GF Score™ of 68/100 and a GF Value™ of $61.33 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,523 Banks companies, Southern Missouri Bancorp ranks better than 68.35% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Southern Missouri Bancorp's annualized net income for the quarter that ended in Mar. 2026 was $71.0 Mil. Southern Missouri Bancorp's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $498.7 Mil. Therefore, Southern Missouri Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 14.24%.
The historical rank and industry rank for Southern Missouri Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
SMBC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 11.28 Med: 12.65 Max: 18.92
Current: 13.97
During the past 13 years, Southern Missouri Bancorp's highest Return-on-Tangible-Equity was 18.92%. The lowest was 11.28%. And the median was 12.65%.
SMBC's Return-on-Tangible-Equity is ranked better than 68.35% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs SMBC: 13.97
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Southern Missouri Bancorp Return-on-Tangible-Equity Related Terms
Southern Missouri Bancorp Return-on-Tangible-Equity Historical Data
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The historical data trend for Southern Missouri Bancorp's Return-on-Tangible-Equity 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.
SMBC vs PGC, FCBC, CCBG: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Southern Missouri Bancorp's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Southern Missouri Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Southern Missouri Bancorp's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 14.24% mean?
Southern Missouri Bancorp (SMBC) has a Return-on-Tangible-Equity of 14.24% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Southern Missouri Bancorp and its competitors. This is 13% above median its historical median of 12.65. Over the past decade, Southern Missouri Bancorp's Return-on-Tangible-Equity has ranged from 11.28 to 18.92. According to the industry distribution chart, Southern Missouri Bancorp ranks #482 out of 1523 companies in the Banks industry, placing it in the top 31.6%.
Is Southern Missouri Bancorp's Return-on-Tangible-Equity too high?
Southern Missouri Bancorp's current Return-on-Tangible-Equity of 14.24% is 13% above median its 10-year median of 12.65. Over the past 10 years, this metric has ranged from a low of 11.28 to a high of 18.92. The Banks industry median Return-on-Tangible-Equity is 11.20. Southern Missouri Bancorp's value of 14.24% is 27.1% above this industry median. Based on the distribution chart, Southern Missouri Bancorp ranks #482 out of 1523 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 Return-on-Tangible-Equity compare to PGC and FCBC?
According to the Banks industry distribution chart, Southern Missouri Bancorp ranks #482 out of 1523 companies for Return-on-Tangible-Equity. This puts Southern Missouri Bancorp in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Southern Missouri Bancorp's value of 14.24% is 27.1% above this benchmark. Historically, Southern Missouri Bancorp's own Return-on-Tangible-Equity has ranged from 11.28 to 18.92 over the past decade. While the company's 10-year median is 12.65 vs. the industry median of 11.20, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern Missouri Bancorp's current Return-on-Tangible-Equity of 14.24% is 27.1% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Southern Missouri Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern Missouri Bancorp's current Return-on-Tangible-Equity is 14.24%, which is 13% above median its own 10-year median of 12.65. 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 Return-on-Tangible-Equity is 14.24%, which is 13% above median its 10-year median of 12.65 and 27.1% above the Banks industry median of 11.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Southern Missouri Bancorp (SMBC), the current Return-on-Tangible-Equity is 14.24% 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:
Return-on-Tangible-Equity: 14.24% (13% above median its 10-year median of 12.65)
GF Value™: $61.33 vs. price of $76.20 (24.2% above fair value)
Industry Position: 27.1% above the Banks median (#482 of 1523)
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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