Is Southern Missouri Bancorp, Inc. overvalued or undervalued?

As of 17 October 2025, the valuation grade for Southern Missouri Bancorp, Inc. has moved from attractive to very attractive, indicating a strong improvement in its valuation outlook. The company appears to be undervalued, supported by a P/E ratio of 11, a price to book value of 1.18, and an EV to EBITDA ratio of 7.27. In comparison, TrustCo Bank Corp. NY has a higher P/E of 14.54 and Kearny Financial Corp. shows a significantly higher EV to EBITDA ratio of 17.05, highlighting Southern Missouri Bancorp's relative attractiveness in the market.
Despite its favorable valuation metrics, the company's recent stock performance has lagged behind the S&P 500, with a year-to-date return of -16.14% compared to the index's 13.30%. This underperformance over the short term contrasts with a strong 5-year return of 96.61%, suggesting potential for recovery and growth.