SMBC (Southern Missouri Bancorp) ROC %: % (As of Mar. 2026)


SMBC Southern Missouri Bancorp Inc SMBC
69 GF Score
Price $74.76
GF Value $61.11
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Southern Missouri Bancorp ROC %?

Southern Missouri Bancorp SMBC +0.47% 69 ROC % is % as of Mar. 2026. 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.

ROC %does not apply to banks.

SMBC
69GF Score
Southern Missouri Bancorp Inc SMBC
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Southern Missouri Bancorp (SMBC) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Southern Missouri Bancorp and its competitors.
Is Southern Missouri Bancorp's ROC % too high?
Southern Missouri Bancorp's current ROC % is %. 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 ROC % compare to PGC and HBIA?
Southern Missouri Bancorp's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Southern Missouri Bancorp and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern Missouri Bancorp's current ROC % is %. 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 $74.76 — trading 22.3% above its estimated fair value. The current ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Southern Missouri Bancorp (SMBC), the current ROC % is % 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 $74.76 is trading 22.3% above its estimated GF Value™ of $61.11. GuruFocus considers Southern Missouri Bancorp to be Modestly Overvalued.

Key valuation signals for SMBC:

  • ROC %: %
  • GF Value™: $61.11 vs. price of $74.76 (22.3% 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

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

$74.76
Price
$61.11
GF Value