Southern Missouri BancorpSMBC -0.44%69 5-Year Yield-on-Cost % is 2.09 as of Jul. 11, 2026, which is 11% below its 10-year median of 2.36. GuruFocus rates SMBC with a GF Score™ of 69/100 and a GF Value™ of $61.41 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,253 Banks companies, Southern Missouri Bancorp ranks worse than 81.01% on this metric.
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Southern Missouri Bancorp 5-Year Yield-on-Cost % Related Terms
SMBC vs PGC, FCBC, CCBG: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Southern Missouri Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Southern Missouri Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Southern Missouri Bancorp's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Southern Missouri Bancorp (SMBC) has a 5-Year Yield-on-Cost % of 2.09 as of Jul. 11, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Southern Missouri Bancorp and its competitors. This is 11% below median its historical median of 2.36. Over the past decade, Southern Missouri Bancorp's 5-Year Yield-on-Cost % has ranged from 1.59 to 4.32. According to the industry distribution chart, Southern Missouri Bancorp ranks #1015 out of 1253 companies in the Banks industry, placing it in the top 81%.
Is Southern Missouri Bancorp's 5-Year Yield-on-Cost % too high?
Southern Missouri Bancorp's current 5-Year Yield-on-Cost % of 2.09 is 11% below median its 10-year median of 2.36. Over the past 10 years, this metric has ranged from a low of 1.59 to a high of 4.32. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Southern Missouri Bancorp's value of 2.09 is 46.3% below this industry median. Based on the distribution chart, Southern Missouri Bancorp ranks #1015 out of 1253 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 5-Year Yield-on-Cost % compare to PGC and FCBC?
According to the Banks industry distribution chart, Southern Missouri Bancorp ranks #1015 out of 1253 companies for 5-Year Yield-on-Cost %. This places Southern Missouri Bancorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. Southern Missouri Bancorp's value of 2.09 is 46.3% below this benchmark. Historically, Southern Missouri Bancorp's own 5-Year Yield-on-Cost % has ranged from 1.59 to 4.32 over the past decade. While the company's 10-year median is 2.36 vs. the industry median of 3.89, Southern Missouri Bancorp has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,253 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern Missouri Bancorp's current 5-Year Yield-on-Cost % of 2.09 is 46.3% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Southern Missouri Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern Missouri Bancorp's current 5-Year Yield-on-Cost % is 2.09, which is 11% below median its own 10-year median of 2.36. 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 $61.41, compared to a current price of $74.42 — trading 21.2% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.09, which is 11% below median its 10-year median of 2.36 and 46.3% below the Banks industry median of 3.89. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Southern Missouri Bancorp (SMBC), the current 5-Year Yield-on-Cost % is 2.09 as of Jul. 11, 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 $74.42 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:
5-Year Yield-on-Cost %: 2.09 (11% below median its 10-year median of 2.36)
GF Value™: $61.41 vs. price of $74.42 (21.2% above fair value)
Industry Position: 46.3% below the Banks median (#1015 of 1253)
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
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