Is Southern Missouri Bancorp, Inc. overvalued or undervalued?

As of 21 November 2025, the valuation grade for Southern Missouri Bancorp, Inc. has moved from attractive to very attractive. The company appears to be undervalued based on its metrics, with 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 ratio of 14.54, while Kearny Financial Corp. shows a very attractive valuation with a PEG ratio of 0.119.
Despite a challenging year with a YTD return of -3.19% compared to the S&P 500's 12.26%, Southern Missouri Bancorp has shown resilience with a 5-year return of 83.91%, closely trailing the S&P 500's 85.61%. This suggests that while the stock has underperformed recently, its long-term potential remains strong, reinforcing its undervalued status.