Is Southern Missouri Bancorp, Inc. overvalued or undervalued?

As of 31 October 2025, the valuation grade for Southern Missouri Bancorp, Inc. moved from attractive to very attractive. The company appears undervalued, supported by a P/E ratio of 11, a Price to Book Value of 1.18, and an EV to EBITDA of 7.27. In comparison, TrustCo Bank Corp. NY has a higher P/E of 14.54, while Kearny Financial Corp. shows a very attractive valuation with a P/E of 17.05, indicating that Southern Missouri Bancorp, Inc. may be trading at a discount relative to its peers.
Despite the company's recent stock performance, which has lagged behind the S&P 500 with a year-to-date return of -8.59% compared to the index's 16.30%, the strong dividend yield of 125.30% and a ROCE of 14.52% suggest solid fundamentals. Overall, these factors reinforce the conclusion that Southern Missouri Bancorp, Inc. is undervalued in the current market.