Southern Missouri Bancorp, Inc. — Cyborg Score 6/10

Strategic Profile

The bank emphasizes retail deposit gathering paired with wholesale funding from the Federal Home Loan Bank of Des Moines. Current strengths include population shifts to core regions, technological investments driving loan and deposit growth, and expanding net interest margins through lower funding costs and strong loan pipelines.

Cyborg Score Rationale

Strong fundamentals with 10% YoY revenue growth, expanding margins, and disciplined credit strategies. However, underperformance versus the US Banks industry (13.2% return) and stock trading at 39% below fair value estimate suggest execution challenges or market headwinds in the regional banking sector.

Top Insights

• Market cap approximately $740M with P/E ratio of 15.02, indicating reasonable valuation for a regional bank
• 10% YoY revenue growth driven by net interest margin expansion and strong loan pipelines
• Stock trading 39% below estimated fair value, suggesting potential undervaluation or market sentiment concerns
• Analyst consensus is "Hold" with 12-month price target of $63.63, representing modest 4.72% upside potential

Named Competitors

• Community Banking — Regional bank competitor
• Community Banking — Regional bank competitor
• Community Banking — Regional bank competitor

Recent Developments

• (October 2025) Q1 2026 earnings announcement
• (July 2025) Q4 2025 earnings reported with focus on loan growth in real estate
• (April 2025) Q3 2025 results showing expansion in net interest margins

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