SMBC PE Ratio & Valuation,Is SMBC Overvalued

SMBC Relative Valuation

SMBC's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, SMBC is overvalued; if below, it's undervalued.

Historical Valuation

Southern Missouri Bancorp Inc (SMBC) is now in the Fair zone, suggesting that its current forward PE ratio of 9.91 is considered Fairly compared with the five-year average of 10.05. The fair price of Southern Missouri Bancorp Inc (SMBC) is between 57.93 to 71.06 according to relative valuation methord.

Relative Value

Fair Zone

57.93-71.06

Current Price：61.28

Fair

9.91

0.00

EV/EBITDA

Southern Missouri Bancorp Inc. (SMBC) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Southern Missouri Bancorp Inc. (SMBC) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

3.36

Southern Missouri Bancorp Inc. (SMBC) has a current PS of 3.36. The 5-year average PS is 3.20. The thresholds are as follows: Strongly Undervalued below 2.39, Undervalued between 2.39 and 2.80, Fairly Valued between 3.60 and 2.80, Overvalued between 3.60 and 4.01, and Strongly Overvalued above 4.01. The current Forward PS of 3.36 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Southern Missouri Bancorp Inc. (SMBC) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Southern Missouri Bancorp Inc. (SMBC) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Southern Missouri Bancorp Inc (SMBC) has a current Price-to-Book (P/B) ratio of 1.23. Compared to its 3-year average P/B ratio of 1.14 , the current P/B ratio is approximately 7.34% higher. Relative to its 5-year average P/B ratio of 1.25, the current P/B ratio is about -2.16% higher. Southern Missouri Bancorp Inc (SMBC) has a Forward Free Cash Flow (FCF) yield of approximately 12.05%. Compared to its 3-year average FCF yield of 11.38%, the current FCF yield is approximately 5.89% lower. Relative to its 5-year average FCF yield of 11.81% , the current FCF yield is about 2.07% lower.

1.23

P/B

Median3y

1.14

Median5y

1.25

12.05

FCF Yield

Median3y

11.38

Median5y

11.81

Competitors Valuation Multiple

The average P/S ratio for SMBC's competitors is 2.86, providing a benchmark for relative valuation. Southern Missouri Bancorp Inc Corp (SMBC) exhibits a P/S ratio of 3.36, which is 17.2% above the industry average. Given its robust revenue growth of 11.50%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of SMBC increased by 6.01% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 30.46 to 34.32.

The secondary factor is the Revenue Growth, contributed 11.50%to the performance.

Overall, the performance of SMBC in the past 1 year is driven by Margin Expansion. Which is more sustainable.

11.50%

40.90M → 45.60M

Revenue Growth

12.67%

30.46 → 34.32

Margin Expansion

-18.16%

13.61 → 11.14

P/E Change

6.01%

57.37 → 60.82

Mkt Cap Growth

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Frequently Asked Questions

Is Southern Missouri Bancorp Inc (SMBC) currently overvalued or undervalued?

What is Southern Missouri Bancorp Inc (SMBC) fair value?

SMBC's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Southern Missouri Bancorp Inc (SMBC) is between 57.93 to 71.06 according to relative valuation methord.

How does SMBC's valuation metrics compare to the industry average?

The average P/S ratio for SMBC's competitors is 2.86, providing a benchmark for relative valuation. Southern Missouri Bancorp Inc Corp (SMBC) exhibits a P/S ratio of 3.36, which is 17.20% above the industry average. Given its robust revenue growth of 11.50%, this premium appears unsustainable.

What is the current P/B ratio for Southern Missouri Bancorp Inc (SMBC) as of Dec 15 2025?

As of Dec 15 2025, Southern Missouri Bancorp Inc (SMBC) has a P/B ratio of 1.23. This indicates that the market values SMBC at 1.23 times its book value.

What is the current FCF Yield for Southern Missouri Bancorp Inc (SMBC) as of Dec 15 2025?

As of Dec 15 2025, Southern Missouri Bancorp Inc (SMBC) has a FCF Yield of 12.05%. This means that for every dollar of Southern Missouri Bancorp Inc’s market capitalization, the company generates 12.05 cents in free cash flow.

What is the current Forward P/E ratio for Southern Missouri Bancorp Inc (SMBC) as of Dec 15 2025?

As of Dec 15 2025, Southern Missouri Bancorp Inc (SMBC) has a Forward P/E ratio of 9.91. This means the market is willing to pay $9.91 for every dollar of Southern Missouri Bancorp Inc’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for Southern Missouri Bancorp Inc (SMBC) as of Dec 15 2025?

As of Dec 15 2025, Southern Missouri Bancorp Inc (SMBC) has a Forward P/S ratio of 3.36. This means the market is valuing SMBC at $3.36 for every dollar of expected revenue over the next 12 months.

SMBC Valuation

SMBC Valuation

SMBC Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

People Also Watch

Frequently Asked Questions

Is Southern Missouri Bancorp Inc (SMBC) currently overvalued or undervalued?

What is Southern Missouri Bancorp Inc (SMBC) fair value?

How does SMBC's valuation metrics compare to the industry average?

What is the current P/B ratio for Southern Missouri Bancorp Inc (SMBC) as of Dec 15 2025?

What is the current FCF Yield for Southern Missouri Bancorp Inc (SMBC) as of Dec 15 2025?

What is the current Forward P/E ratio for Southern Missouri Bancorp Inc (SMBC) as of Dec 15 2025?

What is the current Forward P/S ratio for Southern Missouri Bancorp Inc (SMBC) as of Dec 15 2025?