SMBC (Southern Missouri Bancorp) Risk Assessment


SMBC Southern Missouri Bancorp Inc SMBC
69 GF Score
Price $74.42
GF Value $61.41
Valuation Modestly Overvalued
! 8 Warning Signs
View Full Analysis

What is Southern Missouri Bancorp Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Southern Missouri Bancorp is: High Risk: High uncertainty with risk-return tradeoff.

Southern Missouri Bancorp  (NAS:SMBC) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Southern Missouri Bancorp Risk Assessment Related Terms

SMBC vs PGC, FCBC, CCBG: Risk Assessment Comparison

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

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

* The bar in red indicates where Southern Missouri Bancorp's Risk Assessment falls into.


SMBC
69GF Score
Southern Missouri Bancorp Inc SMBC
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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 $74.42 is trading 21.2% above its estimated GF Value™ of $61.41. GuruFocus considers Southern Missouri Bancorp to be Modestly Overvalued.

Key valuation signals for SMBC:

  • Risk Assessment:
  • GF Value™: $61.41 vs. price of $74.42 (21.2% above fair value)
  • GF Score™: 69/100 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.
69GF Score

Get the complete analysis for SMBC

Risk Assessment is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$74.42
Price
$61.41
GF Value