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
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26
- The company has declared positive results for the last 7 consecutive quarters
- NII(Q) Highest at USD 44.41 MM
- ROCE(HY) Highest at 1.39%
- DIVIDEND PER SHARE(HY) Highest at USD 0
3
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 31.58%, its profits have risen by 25.7% ; the PEG ratio of the company is 0.4
4
High Institutional Holdings at 66.39%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 6.43% over the previous quarter.
5
Market Beating Performance
- The stock has generated a return of 31.58% in the last 1 year, much higher than market (S&P 500) returns of 16.06%
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.
31.58%
3.21
24.20%
S&P 500
16.06%
1.22
13.16%
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 Trend14What is working for the Company
NII(Q)
Highest at USD 44.41 MM
ROCE(HY)
Highest at 1.39%
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 99.64%
OPERATING PROFIT(Q)
Highest at USD 23.03 MM
OPERATING PROFIT MARGIN(Q)
Highest at 31.65 %
PRE-TAX PROFIT(Q)
Highest at USD 23.03 MM
NET PROFIT(Q)
Highest at USD 20.19 MM
EPS(Q)
Highest at USD 1.83
-3What is not working for the Company
ROCE(HY)
Lowest at 1.39%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 13.63%
Here's what is working for Southern Missouri Bancorp, Inc.
NII
Highest at USD 44.41 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Profit
Highest at USD 23.03 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 31.65 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 23.03 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 20.19 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.83
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 99.64%
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 13.63%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
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