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
The company has declared Positive results for the last 6 consecutive quarters
- NII(Q) Highest at USD 43.16 MM
- OPERATING CASH FLOW(Y) Highest at USD 93.87 MM
- ROCE(HY) Highest at 1.32%
5
With ROA of 0.91%, it has a fair valuation with a 1.28 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 40.11%, its profits have risen by 25.7% ; the PEG ratio of the company is 0.4
6
High Institutional Holdings at 59.96%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.53% over the previous quarter.
7
Market Beating performance in long term as well as near term
- Along with generating 40.11% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
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?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Southern Missouri Bancorp, Inc.
39.19%
3.10
26.26%
S&P 500
20.78%
1.67
13.28%
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
59.96%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.28
EV to EBIT
10.03
EV to EBITDA
8.80
EV to Capital Employed
1.28
EV to Sales
2.50
PEG Ratio
0.44
Dividend Yield
1.53%
ROCE (Latest)
12.76%
ROE (Latest)
11.45%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
NII(Q)
Highest at USD 43.16 MM
OPERATING CASH FLOW(Y)
Highest at USD 93.87 MM
ROCE(HY)
Highest at 1.32%
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 99.57%
-3What is not working for the Company
ROCE(HY)
Lowest at 1.32%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 15.66%
Here's what is working for Southern Missouri Bancorp, Inc.
NII
Highest at USD 43.16 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 93.87 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
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 99.57%
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.
Dividend Payout Ratio
Lowest at 15.66%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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