Is Southern Missouri Bancorp, Inc. overvalued or undervalued?

As of 31 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 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 ratio of 14.54, while Kearny Financial Corp. shows a very attractive valuation with a PEG ratio of 0.12, highlighting Southern Missouri Bancorp's relative value within the industry.
Despite its undervaluation, Southern Missouri Bancorp has faced challenges in recent performance, with a year-to-date return of -8.59% compared to the S&P 500's gain of 16.30%. This underperformance over the past year, where the stock returned -11.57% against the S&P 500's 19.89%, suggests that while the company may be undervalued, market sentiment has not yet aligned with its strong fundamentals.