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, 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, indicating that Southern Missouri Bancorp may be trading at a discount relative to its peers, while Kearny Financial Corp. shows a very attractive valuation with a P/E of 17.05.
Despite a challenging year with a YTD return of -3.63% compared to the S&P 500's 12.26%, the company's strong dividend yield of 125.30% and ROCE of 14.52% highlight its potential for future growth and income generation. Overall, the current metrics suggest that Southern Missouri Bancorp, Inc. is positioned favorably in the market.