ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Southern Missouri Bancorp, Inc. ?
1
High Profitability with a Net Interest Margin of 12.81%
2
Strong Long Term Fundamental Strength with a 0% CAGR growth in Net Interet Income
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
4
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- The company has declared positive results for the last 2 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 88.97 MM
- NII(Q) Highest at USD 42.87 MM
- ROCE(HY) Highest at 1.3%
5
With ROA of 0.91%, it has a attractive valuation with a 1.27 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 15.47%, its profits have risen by 25.7% ; the PEG ratio of the company is 0.4
6
High Institutional Holdings at 58.43%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.81% over the previous quarter.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Southern Missouri Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Southern Missouri Bancorp, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Southern Missouri Bancorp, Inc.
18.4%
1.81
28.62%
S&P 500
16.12%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
21.41%
EBIT Growth (5y)
12.99%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
17.76%
Pledged Shares
0
Institutional Holding
58.43%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.27
EV to EBIT
9.95
EV to EBITDA
8.73
EV to Capital Employed
1.27
EV to Sales
2.48
PEG Ratio
0.43
Dividend Yield
1.54%
ROCE (Latest)
12.76%
ROE (Latest)
11.45%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend17What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 88.97 MM
NII(Q)
Highest at USD 42.87 MM
ROCE(HY)
Highest at 1.3%
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 98.1%
OPERATING PROFIT(Q)
Highest at USD 22.7 MM
OPERATING PROFIT MARGIN(Q)
Highest at 31.42 %
PRE-TAX PROFIT(Q)
Highest at USD 22.7 MM
NET PROFIT(Q)
Highest at USD 18.07 MM
EPS(Q)
Highest at USD 1.62
-5What is not working for the Company
GROSS NPA (%)
(Q
ROCE(HY)
Lowest at 1.3%
Here's what is working for Southern Missouri Bancorp, Inc.
NII
Highest at USD 42.87 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 88.97 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 22.7 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 31.42 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 22.7 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 18.07 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.62
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Credit Deposit Ratio
Highest at 98.1%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Southern Missouri Bancorp, Inc.
Non Performing Loans (%)
Highest at 0.7% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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