SOUTHERN MISSOURI BANCORP, INC. (SMBC)
Savings Institutions, Not Federally Chartered · Financial Services · $799M
Intrinsic Value (Consensus)
$76.42
Current Price
$71.55
Margin of Safety
+6.8%
6.8% Below Intrinsic Value
Value: $76
Price: $72
Valuation Model Estimates
Current Price: $71.55
DCF (Discounted Cash Flow)
$316.03
Graham Number
$75.38
Earnings Power Value
$50.29
Relative Value (P/E)
$103.60
Dividend Discount Model
Not applicable
—
Consensus Value
$76.42
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
60
Profitability
18/25
Strength
17/25
Valuation
15/25
Growth
10/25
Financial Health Signals
Strong earnings growth (20% YoY)
High free cash flow yield (9.4%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $5.18
- EPS (Forward)
- $6.22
- Book Value
- $48.75
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 10.8%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance