Stock fact sheet · data as of
Southern Missouri Bancorp, Inc. (SMBC): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Quality / Blue-Chip
Is SMBC undervalued?
At 68.87 (close of 16 Oct 2026), SMBC trades 28% under the GLS average fair value of 95.22. 6 of the 9 models that produced a value land above the price. A discount of this size counts as a positive margin of safety in every GLS screen; whether it is enough depends on the rest of the picture - the health score, the moat and the option premium below.
There is a wide gap between DDM (15.01) and Payback Time (203.13). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files SMBC under Quality / Blue-Chip: a high moat score and a high health score together.
Nine valuation models for SMBC
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 28.59 | -58% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 89.10 | +29% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 105.10 | +53% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 25.90 | -62% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 147.70 | +114% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 169.64 | +146% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 203.13 | +195% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 15.01 | -78% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 72.79 | +6% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -372.34 | -641% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 81.33 | +18% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Southern Missouri Bancorp, Inc. scores 7 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the Sunday Scan's "6 or more" rule with room to spare. A GLS Moat score of 7.8/10 puts SMBC among the more durable businesses we track: over ten years the metrics the score watches (revenue, EPS, book value, margins, cash flow, ROIC) have mostly moved the right way, year after year.
Returns on capital are moderate - ROIC 9.5%, ROE 12.2%, ROA 1.4% - with debt at 0.28 times equity and a free-cash-flow yield of 10.1%.
The dividend yield is 1.48% with a payout ratio of 15% - a small yield that leaves most of the earnings in the business.
Institutional ownership scores 7/10, insider activity 1/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 7 / 9 | ROIC | 9.5% |
|---|---|---|---|
| GLS Moat | 7.8 / 10 | ROE | 12.2% |
| Debt / equity | 0.28 | ROA | 1.4% |
| Free-cash-flow yield | 10.1% | Payout ratio | 15% |
| Institutions | 7 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 79: Good
With a Wheel Score of 79 - the Good band - Southern Missouri Bancorp, Inc. clears the Sunday Scan's "70 or higher" rule. The parts: Value 24/25, Health 16/20, Moat 12/15, Premium 20/20, Stability 8/20; Stability (8/20) scores lowest.
Implied volatility is 35% on the near-the-money contracts 20-60 days out: some premium, but under the 35-60% range the Wheel Score pays full marks for (20 of 20 points). Chain open interest is thin - 144 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 104k shares a day on a market cap of $758M, with a beta of 0.87; the Stability part of the Wheel Score gives that 8 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 24 / 25 | 28% margin of safety | |
| Health | 16 / 20 | Piotroski 7/9 | |
| Moat | 12 / 15 | moat 7.8/10 | |
| Premium | 20 / 20 | implied volatility 35% | |
| Stability | 8 / 20 | 104k shares/day, $758M cap, beta 0.87 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Southern Missouri Bancorp, Inc. reports earnings on 28 Oct 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Southern Missouri Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| PGC Peapack-Gladstone Financial Corporation | 42.84 | 67.00 | +36% | 81Prime | $759M |
| ALRS Alerus Financial Corporation | 30.71 | 23.47 | -31% | 46Weak | $766M |
| SHBI Shore Bancshares, Inc. | 22.32 | 27.93 | +20% | 75Good | $745M |
| FISI Financial Institutions, Inc. | 39.27 | 41.19 | +5% | 61Fair | $774M |
| HTB HomeTrust Bancshares, Inc. | 46.49 | 95.43 | +51% | 81Prime | $776M |
| RCBC River City Bank | 53.59 | 99.75 | +46% | 39No options | $777M |
| IBCP Independent Bank Corporation | 35.29 | 35.60 | +1% | 69Good | $727M |
| SPFI South Plains Financial, Inc. | 42.54 | 48.31 | +12% | 72Good | $801M |
| CUBB Customers Bancorp, Inc 5.375% S | 20.91 | 246.77 | +92% | 39No options | $714M |
| VBNK VersaBank | 21.88 | 32.84 | +33% | 70Good | $709M |
| ORRF Orrstown Financial Services, Inc. | 41.49 | 81.71 | +49% | 73Good | $816M |
| HBIA Hills Bancorporation | 47.00 | 20.26 | -132% | 37No options | $820M |
⚖ Compare SMBC with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about SMBC
Is SMBC undervalued right now?
By the GLS models, moderately: at 68.87 the stock trades 28% below the average fair value of 95.22 (data as of 16 Oct 2026).
What is the Wheel Score of SMBC and what does it mean?
SMBC scores 79 out of 100 (Good). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for SMBC?
95.22 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Southern Missouri Bancorp, Inc. report earnings next?
The next earnings report is due on 28 Oct 2026 (after the close), 12 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does SMBC have listed options, and how liquid are they?
Yes. The nightly snapshot found 148 listed contracts with 144 open interest across all expiries and implied volatility of 35% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.