Is Southern Missouri Bancorp, Inc. overvalued or undervalued?

As of 17 October 2025, the valuation grade for Southern Missouri Bancorp, Inc. moved from attractive to very attractive. The company appears undervalued based on its current metrics, including 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 P/E of 14.54, indicating that Southern Missouri Bancorp, Inc. is trading at a lower valuation relative to its peers, while Kearny Financial Corp. shows a very attractive valuation with a P/E of 17.05.
Despite its attractive valuation, Southern Missouri Bancorp, Inc. has underperformed against the S&P 500, with a year-to-date return of -16.14% compared to the index's 13.30%. This underperformance, along with a strong dividend yield of 125.30% and a ROCE of 14.52%, suggests that while the stock is undervalued, it may face challenges in the short term.