Southern Missouri Bancorp

SMBC · NASDAQ

$71.15+$1.40 (+2.01%)TodayMarket closed · Oct 20, 4:00 PM ET

Prev close $69.75

SMBC analyst rating

HoldConsensus of 6 analysts over the last 12 months. 33% rate it a buy.

Strong buy0
Buy2
Hold4
Underperform0
Sell0

12-month price target · 6 analysts

Average $84.40 (+18.6% upside)

Low: $80.80
Now: $71.15
High: $89.25

Upgrades and downgrades

The latest rating actions, newest first

SMBC analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Hovde Group	Oct 5, 2026	Initiates	Market Perform	$76.00	—
StoneX	Sep 24, 2026	Initiates	Buy	$80.00	70%
Raymond James	Sep 2, 2026	Initiates	Market Perform	—	39%
Keefe, Bruyette & Woods	Jul 30, 2026	Maintains	Market Perform	$75.00 → $83.00	63%
Piper Sandler	Jul 27, 2026	Maintains	Neutral	$79.00 → $83.00	72%
Piper Sandler	Jun 26, 2026	Maintains	Neutral	$71.00 → $79.00	72%
Piper Sandler	Apr 27, 2026	Maintains	Neutral	$68.00 → $71.00	72%
Stephens & Co.	Apr 24, 2026	Maintains	Overweight	$72.00 → $76.00	63%
Keefe, Bruyette & Woods	Apr 9, 2026	Maintains	Market Perform	$64.00 → $65.00	63%
Keefe, Bruyette & Woods	Jan 27, 2026	Maintains	Market Perform	$63.00 → $64.00	63%

The case for and against

Updated Feb 9, 2026

Bull case

Southern Missouri Bancorp Inc has demonstrated solid growth in tangible book value (TBV) and tangible common equity (TCE), with a 4% increase and 30 basis points rise to $43.16 and 9.82%, respectively, driven by strong profitability reflected in return on assets (ROA) of 1.23% and return on tangible common equity (ROTCE) of 12.9%. The bank's efficiency ratio is projected to improve to 49% by FY4Q27, supported by a favorable outlook for net interest income (NII) growth stemming from fixed-rate loan repricing and decreasing funding costs. Additionally, the forecast indicates TCE could rise to between 10.3% and 11.3% by FY4Q26 and FY4Q27, reflecting a robust expansion strategy and effective management of loan and deposit spreads.

Bear case

Southern Missouri Bancorp is experiencing a decline in revenue growth projections, with an anticipated decline of 5% for FY2026 despite a moderate 7% growth expected for FY2027. The company faces risks related to slower-than-expected growth in loans, core deposits, and fee income, alongside concerns regarding credit quality deterioration and increased operating expenses. Additionally, moving forward, the allowance for credit losses (ACL) is projected to remain stable, yet the bank's current risk factors could hinder long-term financial performance and stability.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.