ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Southern Missouri Bancorp, Inc. ?
1
High Profitability with a Net Interest Margin of 13.96%
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
Positive results in Jun 25
- OPERATING CASH FLOW(Y) Highest at USD 81.55 MM
- NII(Q) Highest at USD 40.33 MM
- ROCE(HY) Highest at 1.21%
5
With ROA of 0.80%, it has a fair valuation with a 1.18 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 -15.22%, its profits have risen by 7.9% ; the PEG ratio of the company is 1.3
6
High Institutional Holdings at 54.21%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.9% over the previous quarter.
Real-Time Research ReportHow much should you buy?
- 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.
-10.09%
1.36
28.92%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.97%
EBIT Growth (5y)
17.00%
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
54.21%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.18
EV to EBIT
8.46
EV to EBITDA
7.27
EV to Capital Employed
1.23
EV to Sales
1.92
PEG Ratio
1.30
Dividend Yield
125.30%
ROCE (Latest)
14.52%
ROE (Latest)
10.60%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 81.55 MM
NII(Q)
Highest at USD 40.33 MM
ROCE(HY)
Highest at 1.21%
NET SALES(Q)
Highest at USD 70.64 MM
CASH AND EQV(HY)
Highest at USD 419.75 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET PROFIT(Q)
Highest at USD 15.71 MM
EPS(Q)
Highest at USD 1.39
-4What is not working for the Company
ROCE(HY)
Lowest at 1.21%
GROSS NPA (%)
(Q
Here's what is working for Southern Missouri Bancorp, Inc.
NII
Highest at USD 40.33 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 81.55 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)
Net Sales
Highest at USD 70.64 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Net Profit
Highest at USD 15.71 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.39
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 419.75 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
CASA
Highest at 12.51%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Southern Missouri Bancorp, Inc.
Non Performing Loans (%)
Highest at 0.56%
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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