Southern Missouri Bancorp (SMBC) Stock Analysis & Winston Score

Southern Missouri Bancorp, Inc. operates as the bank holding company for Southern Bank that provides banking and financial services to individuals and corporate customers in the United States. The company offers business banking, business financing, and business services. It also provides personal banking services, which include online and mobile banking, checking and savings, mortgage and refinance, and loans and credit services. In addition, the company offers investing and insurance services.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+1.8% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+15.1% YoY

YoY Growth Rate

Steady EPS growth

Insider Activity

15.7%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$93M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Southern Missouri Bancorp is growing revenue at 2% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

61.7%

Premium pricing power — 61.7% gross margin

Operating Margin

28.2%

Excellent — 28.2% operating margin

ROCE

3.0%

Weak — 3.0% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+4.5%

Slow sales growth (4.5% YoY)

EPS YoY

+23.2%

Earnings growing fast (23.2% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

151%

Turns 151% of profit into real cash

FCF Margin

31.2%

Converts sales into free cash efficiently (31.2%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.26

Conservative — low debt load (0.26)

Interest Cover

0.72x

Dangerous — barely covers interest (0.7x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

12.5x

no trend

Attractive valuation — P/E 12.5

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+1.2

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend Yield

1.32%

no trend

Small dividend — 1.32% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+8.7%

no trend

Dividend growing modestly (8.7% YoY)

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