SMBC Southern Missouri Bancorp, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Sep 11, 2026
$72.59
· of 52w range
· above low
· to high
$47.6052w low
$79.8652w high
P/E
11.9
EPS
$6.43
your badges
52W Range
$48–$80
Analyst Rating
STRONG BUY
Price Target
$81
P/E
11.9
ROE
12.7%
Net Profit Margin
35.8%
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SMBC Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$72.59
P/E
11.9
EPS
$6.43
ROE
12.7%
52W Range
$48–$80
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| Feb. 2, 2015 | 2-for-1 | Forward |
| Oct. 29, 2003 | 2-for-1 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
EPS$6.432017-06-30 → 2026-06-30
Free Cash Flow$77M2017-06-30 → 2026-06-30
Net margin35.8%2017-06-30 → 2026-06-30
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | SMBC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 11.95Y avg ≈10.3 | ≈10.3 | 11.7 | Overvalued | |
| PEG Ratio | ≈2.8 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | SMBC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | 43.4%5Y avg ≈40.8% | ≈40.8% | 38.5% | Top tier | |
| Net Profit Margin | 35.8%5Y avg ≈32.4% | ≈32.4% | 31.2% | Top tier | |
| ROA | 1.4%5Y avg ≈1.3% | ≈1.3% | 1.2% | Top tier | |
| ROE | 12.7%5Y avg ≈12.1% | ≈12.1% | 11.7% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | SMBC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 9.9%5Y avg ≈12.3% | ≈12.3% | · | · | |
| Revenue CAGR 3Y | 9.5%5Y avg ≈13.4% | ≈13.4% | · | · | |
| Revenue CAGR 5Y | 12.2% | · | · | · | |
| EPS YoY | 24.1%5Y avg ≈6.0% | ≈6.0% | · | · | |
| Net Income YoY | 22.6%5Y avg ≈10.1% | ≈10.1% | · | · | |
| EPS CAGR 3Y | 18.6%5Y avg ≈5.5% | ≈5.5% | · | · | |
| EPS CAGR 5Y | 4.3% | · | · | · | |
| Net Income CAGR 3Y | 22.3%5Y avg ≈11.1% | ≈11.1% | · | · | |
| Net Income CAGR 5Y | 8.8% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | SMBC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | In line |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Payout Ratio15.5%
Annualized Payout≈$1.08
5Y Div CAGR≈9.9%
Growth Streak≈14
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Aug 14, 2026 | $0.27 | USD | ≈1.3% |
| May 15, 2026 | $0.25 | USD | ≈1.5% |
| Feb 13, 2026 | $0.25 | USD | ≈1.5% |
| Nov 14, 2025 | $0.25 | USD | ≈1.8% |
| Aug 15, 2025 | $0.25 | USD | ≈1.7% |
| May 15, 2025 | $0.23 | USD | ≈1.7% |
| Feb 14, 2025 | $0.23 | USD | ≈1.5% |
| Nov 15, 2024 | $0.23 | USD | ≈1.3% |
| Aug 15, 2024 | $0.23 | USD | ≈1.6% |
| May 14, 2024 | $0.21 | USD | ≈2.0% |
| Feb 14, 2024 | $0.21 | USD | ≈2.0% |
| Nov 14, 2023 | $0.21 | USD | ≈1.9% |
| Aug 14, 2023 | $0.21 | USD | ≈1.8% |
| May 12, 2023 | $0.21 | USD | ≈2.7% |
| Feb 14, 2023 | $0.21 | USD | ≈1.7% |
| Nov 14, 2022 | $0.21 | USD | ≈1.6% |
| Aug 12, 2022 | $0.21 | USD | ≈1.5% |
| May 12, 2022 | $0.20 | USD | ≈1.8% |
| Feb 14, 2022 | $0.20 | USD | ≈1.4% |
| Nov 12, 2021 | $0.20 | USD | ≈1.3% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
5.4%
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | $1.83 | $1.55 | 17.7% | |
| March 31, 2026 | $1.60 | $1.60 | -0.09% | |
| Dec. 31, 2025 | $1.62 | $1.57 | 3.0% | |
| Sept. 30, 2025 | $1.38 | $1.41 | -2.1% | |
| June 30, 2025 | $1.39 | $1.29 | 8.2% | |
| March 31, 2025 | $1.39 | $1.32 | 5.6% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | $50M | $13M | $17M | $27M | $25M | $15M | $10M | $9M | $9M | |
| Interest Income | $289M | $277M | $248M | $176M | $117M | $109M | $107M | $97M | $77M | $61M | $56M | $55M | |
| Pretax Income | $87M | $74M | $63M | $49M | $60M | · | · | · | · | · | · | · | |
| Income Tax | $15M | $15M | $13M | $10M | $13M | $13M | $7M | $7M | $8M | $6M | $6M | · | |
| Net Income | $72M | $59M | $50M | $39M | $47M | $47M | $28M | $29M | $21M | $16M | $15M | $14M | |
| EPS (Basic) | $6.44 | $5.19 | $4.42 | $3.86 | $5.22 | $5.22 | $3.00 | $3.14 | $2.40 | $2.08 | $1.99 | $1.84 | |
| EPS (Diluted) | $6.43 | $5.18 | $4.42 | $3.85 | $5.21 | $5.22 | $2.99 | $3.14 | $2.39 | $2.07 | $1.98 | $1.79 | |
| Shares (Basic) | 11,101,806 | 11,234,703 | 11,292,634 | 10,124,766 | 8,994,022 | 9,007,814 | 9,189,876 | 9,193,235 | 8,734,334 | 7,483,350 | 7,430,170 | · | |
| Shares (Diluted) | 11,131,040 | 11,257,969 | 11,301,279 | · | · | · | · | · | · | · | · | · |
Balance Sheet
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $91M | $193M | $61M | $54M | $87M | $124M | $54M | $35M | $26M | $31M | $23M | $17M | |
| PP&E (Net) | $93M | $96M | $96M | $92M | $71M | $64M | $65M | $63M | $55M | $54M | $47M | $40M | |
| PP&E (Gross) | $143M | $140M | $135M | $128M | $103M | $92M | $89M | $84M | $73M | $69M | $62M | $53M | |
| Accum. Depreciation | $50M | $44M | $39M | $36M | $32M | $28M | $24M | $21M | $18M | · | · | · | |
| Goodwill | $51M | $51M | $51M | $51M | $27M | $14M | $14M | $14M | $13M | $9M | $5M | $5M | |
| Intangibles | · | · | · | · | · | $2M | · | · | · | · | · | · | |
| Total Assets | $5.24B | $5.02B | $4.60B | $4.36B | $3.21B | $2.70B | $2.54B | $2.21B | $1.89B | $1.71B | $1.40B | $1.30B | |
| Current Liabilities | · | · | · | · | · | · | $2.28B | $1.98B | $1.69B | $1.53B | · | · | |
| Capital Leases | · | · | $7M | $6M | · | · | · | · | · | · | · | · | |
| Total Liabilities | $4.65B | $4.47B | $4.12B | $3.91B | $2.89B | $2.42B | $2.28B | · | $1.69B | $1.53B | $1.28B | $1.17B | |
| Common Stock | $120.0K | $120.0K | $120.0K | $119.0K | $98.0K | $94.0K | $93.0K | $93.0K | $90.0K | $86.0K | $74.0K | $74.0K | |
| Paid-in Capital | $224M | $221M | $220M | $218M | $119M | $96M | $95M | $95M | $83M | $70M | $34M | $34M | |
| Treasury Stock | $44M | $25M | $25M | $21M | $21M | $15M | $7M | $1M | $0 | · | · | · | |
| AOCI | $-10M | $-11M | $-17M | $-22M | $-17M | $3M | $4M | $1M | $-2M | $527.0K | $2M | $861.0K | |
| Stockholders' Equity | $591M | $545M | $489M | $446M | $321M | $283M | $258M | $238M | $201M | $173M | $126M | $133M | |
| Liabilities + Equity | $5.24B | $5.02B | $4.60B | $4.36B | $3.21B | $2.70B | $2.54B | $2.21B | $1.89B | $1.71B | $1.40B | $1.30B |
Cash Flow
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Deferred Tax | $-1M | $694.0K | $694.0K | $-974.0K | $-617.0K | $2M | $-3.0K | $75.0K | $-530.0K | $1M | $476.0K | · | |
| Amort. of Intangibles | $3M | $4M | $4M | $3M | $1M | $1M | $2M | $2M | $1M | $911.0K | $1M | $1M | |
| Operating Cash Flow | $81M | $82M | $70M | $62M | $67M | $52M | $40M | $39M | $31M | $26M | $18M | $20M | |
| CapEx | $4M | $6M | $9M | $6M | $5M | $3M | $4M | $8M | $2M | $3M | $-10M | $-7M | |
| Investing Cash Flow | $-304M | $-285M | $-246M | $-213M | $-304M | $-102M | $-272M | $-113M | $-108M | $-123M | $-100M | $-26M | |
| Debt Issued | · | · | · | · | · | · | · | $0 | $0 | $-15M | $0 | · | |
| Net Debt Issued | · | · | · | · | · | · | · | $-4M | $0 | $31M | · | · | |
| Stock Issued | · | · | $1.0K | $98M | $23M | · | · | · | $0 | $24M | $0 | · | |
| Net Stock Activity | · | · | $1.0K | · | · | · | · | · | $0 | $24M | · | · | |
| Dividends Paid | $11M | $10M | $10M | $9M | $7M | $6M | $6M | $5M | $4M | · | · | · | |
| Financing Cash Flow | $121M | $336M | $182M | $119M | $200M | $120M | $251M | $83M | $73M | $106M | $88M | $8M | |
| Net Change in Cash | $-102M | $132M | $7M | $-33M | $-37M | $69M | $19M | $9M | $-4M | $8M | $6M | $2M | |
| Taxes Paid | $9M | · | · | · | · | · | · | · | $8M | $6M | $7M | $6M | |
| Free Cash Flow | $77M | $75M | $61M | $56M | $63M | $49M | $36M | $31M | $33M | $29M | $27M | · |
Profitability
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 35.8% | 32.1% | 30.5% | 25.7% | 37.8% | 41.9% | 29.0% | 32.9% | 27.5% | 25.0% | 26.2% | · | |
| Pretax Margin | 43.4% | 40.5% | 38.4% | · | · | · | · | · | · | · | · | · | |
| ROA | 1.4% | 1.2% | 1.1% | 1.0% | 1.6% | 1.8% | 1.2% | 1.4% | 1.2% | 1.0% | 1.1% | · | |
| ROE | 12.7% | 11.3% | 10.7% | 10.2% | 15.6% | 17.4% | 11.1% | 13.2% | 11.2% | 10.4% | 11.5% | · |
Liquidity & Solvency
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Quick Ratio | · | · | · | · | · | · | 0.0 | 0.0 | · | · | · | · |
Efficiency
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · |
Per Share
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue / Share | $18.03 | · | · | · | · | · | · | · | · | · | · | · | |
| Cash Flow / Share | $7.23 | · | · | · | · | · | · | · | · | · | · | · | |
| Dividend Paid / Share | $1.00 | $0.92 | $0.84 | $0.84 | $0.80 | $0.62 | $0.60 | $0.52 | $0.44 | $0.40 | $0.36 | $0.34 | |
| EPS (TTM) | $6.43 | $5.18 | $4.42 | $3.85 | $5.21 | $5.22 | $2.99 | $3.14 | $2.39 | $2.07 | $1.98 | $1.79 |
Growth Rates
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 9.9% | 11.1% | 7.4% | 22.6% | 10.7% | 18.8% | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 9.5% | 13.5% | 13.4% | 17.2% | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 12.2% | 14.0% | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 24.1% | 17.2% | 14.8% | -26.1% | -0.19% | 74.6% | · | · | · | · | · | · | |
| EPS CAGR 3Y | 18.6% | -0.19% | -5.4% | 8.8% | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 4.3% | 11.6% | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 22.6% | 16.7% | 27.9% | -16.8% | -0.02% | 71.3% | · | · | · | · | · | · | |
| Net Income CAGR 3Y | 22.3% | 7.5% | 2.1% | 12.5% | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 8.8% | 16.3% | · | · | · | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 14.7% | 13.5% | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $201M | $183M | $164M | $153M | $125M | $113M | $95M | $86M | $75M | $62M | $57M | $55M | |
| Net Income TTM | $72M | $59M | $50M | $39M | $47M | $47M | $28M | $29M | $21M | $16M | $15M | $14M | |
| P/E | 11.9 | 10.6 | 10.2 | 10.0 | 8.7 | 8.6 | 8.1 | 11.1 | 16.3 | 15.6 | 11.9 | 10.5 | |
| Earnings Yield | 8.4% | 9.5% | 9.8% | 10.0% | 11.5% | 11.6% | 12.3% | 9.0% | 6.1% | 6.4% | 8.4% | 9.5% | |
| Payout Ratio | 15.5% | 17.7% | 19.0% | 22.0% | 15.2% | 11.9% | 20.0% | · | · | · | · | · | |
| Annual Payout | $11M | $10M | $10M | $9M | $7M | $6M | $6M | $5M | $4M | · | · | · |
Income Statement
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $30M | $27M | $23M | $18M | $15M | $11M | $6M | |
| Interest Income | $73M | $71M | $72M | $73M | $71M | $70M | $69M | $67M | $65M | $64M | $62M | $58M | $54M | $48M | $39M | $35M | |
| Pretax Income | $23M | $22M | $23M | $19M | $19M | $20M | $19M | $16M | $17M | $14M | $15M | $17M | · | · | · | · | |
| Income Tax | $3M | $4M | $5M | $4M | $3M | $4M | $5M | $3M | $3M | $3M | $3M | $3M | $4M | $578.0K | $3M | $2M | |
| Net Income | $20M | $18M | $18M | $16M | $16M | $16M | $15M | $12M | $14M | $11M | $12M | $13M | $16M | $2M | $12M | $10M | |
| EPS (Basic) | $1.83 | $1.60 | $1.62 | $1.39 | $1.40 | $1.39 | $1.30 | $1.10 | $1.18 | $1.00 | $1.08 | $1.16 | $1.37 | $0.22 | $1.26 | $1.04 | |
| EPS (Diluted) | $1.83 | $1.60 | $1.62 | $1.38 | $1.39 | $1.39 | $1.30 | $1.10 | $1.20 | $0.99 | $1.07 | $1.16 | $1.37 | $0.22 | $1.26 | $1.04 | |
| Shares (Basic) | · | 11,040,896 | 11,153,362 | 11,246,743 | · | 11,237,641 | 11,230,514 | 11,220,766 | · | 11,301,577 | 11,286,786 | 11,286,012 | · | 10,843,689 | 9,187,881 | 9,187,857 | |
| Shares (Diluted) | · | 11,074,820 | 11,178,778 | 11,271,909 | · | 11,262,283 | 11,259,977 | 11,240,007 | · | 11,312,548 | 11,301,481 | 11,297,815 | · | 10,858,341 | 9,210,250 | 9,210,467 |
Balance Sheet
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $91M | $93M | $134M | $124M | $193M | $227M | $146M | $75M | $61M | $168M | $216M | $88M | · | $115M | $53M | $48M | |
| PP&E (Net) | $93M | $93M | $95M | $95M | $96M | $96M | $96M | $96M | $96M | $96M | $95M | $95M | · | $92M | $67M | $71M | |
| PP&E (Gross) | $143M | $142M | $142M | $141M | $140M | $140M | $138M | $137M | $135M | $134M | $131M | $131M | · | $127M | $101M | $104M | |
| Accum. Depreciation | $50M | $49M | $47M | $46M | $44M | $44M | $42M | $40M | $39M | $38M | $37M | $36M | · | $34M | $34M | $33M | |
| Goodwill | $51M | $51M | $51M | $51M | $51M | $51M | $51M | $51M | $51M | $51M | $51M | $51M | · | $51M | $27M | $27M | |
| Total Assets | $5.24B | $5.14B | $5.09B | $5.04B | $5.02B | $4.98B | $4.91B | $4.73B | $4.60B | $4.65B | $4.64B | $4.47B | · | $4.29B | $3.45B | $3.44B | |
| Total Liabilities | $4.65B | $4.57B | $4.53B | $4.48B | $4.47B | $4.45B | $4.40B | $4.22B | $4.12B | $4.17B | $4.17B | $4.02B | · | $3.86B | $3.11B | $3.12B | |
| Common Stock | $120.0K | $120.0K | $120.0K | $120.0K | $120.0K | $120.0K | $120.0K | $120.0K | $120.0K | $120.0K | $119.0K | $119.0K | · | $119.0K | $98.0K | $98.0K | |
| Paid-in Capital | $224M | $223M | $222M | $221M | $221M | $221M | $220M | $220M | $220M | $220M | $219M | $219M | · | $218M | $119M | $119M | |
| Treasury Stock | $44M | $43M | $33M | $25M | $25M | $25M | $25M | $25M | $25M | $21M | $21M | $21M | · | $21M | $21M | $21M | |
| AOCI | $-10M | $-9M | $-9M | $-8M | $-11M | $-14M | $-16M | $-11M | $-17M | $-19M | $-19M | $-25M | · | $-18M | $-19M | $-20M | |
| Stockholders' Equity | $591M | $574M | $567M | $560M | $545M | $529M | $512M | $506M | $489M | $480M | $470M | $454M | · | $437M | $337M | $326M | |
| Liabilities + Equity | $5.24B | $5.14B | $5.09B | $5.04B | $5.02B | $4.98B | $4.91B | $4.73B | $4.60B | $4.65B | $4.64B | $4.47B | · | $4.29B | $3.45B | $3.44B |
Cash Flow
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Deferred Tax | $-2M | $101.0K | $101.0K | $880.0K | · | · | · | · | $274.0K | $420.0K | · | · | $1M | $-2M | $6.0K | $7.0K | |
| Amort. of Intangibles | $702.0K | $709.0K | $808.0K | $857.0K | $857.0K | $889.0K | $897.0K | $897.0K | $1M | $1M | $1M | $1M | $1M | $812.0K | $402.0K | $402.0K | |
| Operating Cash Flow | $14M | $29M | $21M | $16M | $27M | $24M | $20M | $10M | $15M | $24M | $17M | $14M | $23M | $11M | $21M | $7M | |
| CapEx | $2M | $456.0K | $1M | $901.0K | $1M | $1M | $2M | $1M | $2M | $4M | $1M | $1M | $2M | $3M | $1M | $397.0K | |
| Investing Cash Flow | $-98M | $-93M | $-28M | $-84M | $-79M | $12M | $-118M | $-101M | $-73M | $-59M | $-39M | $-74M | $-140M | $199M | $-5M | $-267M | |
| Dividends Paid | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Financing Cash Flow | $82M | $23M | $17M | $-1M | $17M | $45M | $168M | $105M | $-49M | $-13M | $150M | $94M | $56M | $-148M | $-11M | $221M | |
| Net Change in Cash | $-2M | $-41M | $10M | $-69M | $-34M | $81M | $70M | $14M | $-107M | $-48M | $128M | $34M | $-61M | $61M | $5M | $-39M | |
| Free Cash Flow | · | · | · | $15M | · | · | · | $9M | · | · | · | $13M | · | · | · | $7M |
Profitability
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | · | 35.4% | 36.6% | 31.9% | · | 34.0% | 32.6% | 28.4% | · | 28.2% | 30.4% | 31.9% | · | 6.0% | 34.6% | 28.2% | |
| Pretax Margin | · | 43.7% | 45.7% | 39.7% | · | 43.0% | 42.7% | 36.1% | · | · | · | · | · | · | · | · | |
| ROA | · | 0.35% | 0.36% | 0.32% | · | 0.33% | 0.31% | 0.27% | · | 0.25% | 0.30% | 0.33% | · | 0.06% | 0.37% | 0.31% | |
| ROE | · | 3.2% | 3.4% | 2.9% | · | 3.1% | 3.0% | 2.6% | · | 2.5% | 3.0% | 3.4% | · | 0.63% | 3.6% | 3.1% |
Efficiency
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue / Share | · | $4.54 | $4.44 | $4.35 | · | · | · | · | · | $3.54 | $3.55 | $3.65 | · | · | · | · | |
| Cash Flow / Share | · | · | · | $1.45 | · | · | · | · | · | · | · | $1.26 | · | · | · | · | |
| Dividend Paid / Share | $0.25 | $0.25 | $0.25 | $0.25 | $0.23 | $0.23 | $0.23 | $0.23 | $0.21 | $0.21 | $0.21 | $0.21 | $0.21 | $0.21 | $0.21 | $0.21 | |
| EPS (TTM) | · | $5.99 | $5.78 | $5.46 | · | $4.99 | $4.59 | $4.36 | · | $4.59 | $3.82 | $4.01 | · | $3.93 | $4.74 | $4.82 |
Valuation (TTM)
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | · | $196M | $192M | $188M | · | $178M | $172M | $167M | · | $167M | $167M | $160M | · | $142M | $132M | $129M | |
| Net Income TTM | · | $67M | $65M | $62M | · | $56M | $52M | $49M | · | $52M | $43M | $43M | · | $37M | $44M | $44M | |
| P/E | · | 10.7 | 10.2 | 9.6 | · | 10.4 | 12.5 | 13.0 | · | 9.5 | 14.0 | 9.6 | · | 9.5 | 9.7 | 10.6 | |
| Earnings Yield | · | 9.4% | 9.8% | 10.4% | · | 9.6% | 8.0% | 7.7% | · | 10.5% | 7.1% | 10.4% | · | 10.5% | 10.3% | 9.4% | |
| Payout Ratio | · | · | · | 18.0% | · | · | · | 20.8% | · | · | · | 18.1% | · | · | · | 20.2% | |
| Annual Payout | · | $11M | $11M | $11M | · | $10M | $10M | $10M | · | $10M | $10M | $9M | · | $8M | $8M | $7M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Net Income | $72M | $59M | $50M | $39M | $47M |
| Diluted EPS | $6.43 | $5.18 | $4.42 | $3.85 | $5.21 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Free Cash Flow | $77M | $75M | $61M | $56M | $63M |
Institutional owners (13F) 161 filers · $510.8M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
161
Value held
$510.8M
New positions
21
Exited positions
14
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 21 (-4 vs prior Q) | 14 (-4 vs prior Q) | 60 (+5 vs prior Q) | 29 (-8 vs prior Q) | +124K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $85,269,622 | 1,118,877 | 16.69% | Shares |
| VANGUARD GROUP INC | $37,204,629 | 629,307 | 7.28% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $35,501,287 | 465,835 | 6.95% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $31,780,713 | 417,015 | 6.22% | Shares |
| STATE STREET CORP | $27,351,236 | 358,893 | 5.35% | Shares |
| AMERICAN CENTURY COMPANIES INC | $26,935,434 | 353,437 | 5.27% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $18,870,166 | 247,557 | 3.69% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $18,078,841 | 237,224 | 3.54% | Shares |
| RAFFLES ASSOCIATES LP | $16,091,970 | 211,153 | 3.15% | Shares |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $11,851,493 | 155,511 | 2.32% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $11,843,415 | 155,405 | 2.32% | Shares |
| MILLENNIUM MANAGEMENT LLC | $8,407,716 | 110,323 | 1.65% | Shares |
| ALGERT GLOBAL LLC | $8,154,165 | 106,996 | 1.60% | Shares |
| NORTHERN TRUST CORP | $7,471,477 | 98,038 | 1.46% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $7,286,756 | 95,614 | 1.43% | Shares |
| MORGAN STANLEY | $7,162,814 | 93,987 | 1.40% | Shares |
| ACR Alpine Capital Research, LLC | $6,936,635 | 91,020 | 1.36% | Shares |
| GOLDMAN SACHS GROUP INC | $6,383,292 | 83,759 | 1.25% | Shares |
| FRANKLIN RESOURCES INC | $6,178,651 | 81,074 | 1.21% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $6,083,387 | 79,824 | 1.19% | Shares |
| Siena Capital Partners GP, LLC | $6,045,313 | 79,314 | 1.18% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $6,016,094 | 78,941 | 1.18% | Shares |
| PANAGORA ASSET MANAGEMENT INC | $5,669,567 | 74,394 | 1.11% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $5,493,826 | 72,088 | 1.08% | Shares |
| JPMORGAN CHASE & CO | $5,405,966 | 71,047 | 1.06% | Shares |
| Creative Planning | $5,261,158 | 69,035 | 1.03% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $4,707,263 | 61,767 | 0.92% | Shares |
| Empowered Funds, LLC | $3,512,366 | 46,088 | 0.69% | Shares |
| Bank of New York Mellon Corp | $3,461,128 | 45,416 | 0.68% | Shares |
| LAZARD ASSET MANAGEMENT LLC | $3,220,177 | 42,254 | 0.63% | Shares |
| Russell Investments Group, Ltd. | $3,109,758 | 40,808 | 0.61% | Shares |
| UBS Group AG | $3,072,025 | 40,310 | 0.60% | Shares |
| D. E. Shaw & Co., Inc. | $3,072,025 | 40,310 | 0.60% | Shares |
| MALTESE CAPITAL MANAGEMENT LLC | $2,963,578 | 38,887 | 0.58% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $2,946,583 | 38,664 | 0.58% | Shares |
| Qube Research & Technologies Ltd | $2,745,237 | 36,022 | 0.54% | Shares |
| FIRST TRUST ADVISORS LP | $2,637,628 | 34,610 | 0.52% | Shares |
| FMR LLC | $2,633,263 | 34,553 | 0.52% | Shares |
| Nuveen, LLC | $1,979,022 | 25,968 | 0.39% | Shares |
| Mariner, LLC | $1,836,503 | 24,098 | 0.36% | Shares |
| COMMERCE BANK | $1,685,079 | 22,111 | 0.33% | Shares |
| BANK OF AMERICA CORP /DE/ | $1,628,760 | 21,372 | 0.32% | Shares |
| BARCLAYS PLC | $1,628,607 | 21,370 | 0.32% | Shares |
| Trexquant Investment LP | $1,515,664 | 19,888 | 0.30% | Shares |
| HSBC HOLDINGS PLC | $1,495,882 | 19,595 | 0.29% | Shares |
| Quantinno Capital Management LP | $1,489,684 | 19,547 | 0.29% | Shares |
| Swiss National Bank | $1,444,408 | 18,953 | 0.28% | Shares |
| VICTORY CAPITAL MANAGEMENT INC | $1,438,464 | 18,875 | 0.28% | Shares |
| CITIGROUP INC | $1,385,345 | 18,178 | 0.27% | Shares |
| Brandywine Global Investment Management, LLC | $1,373,476 | 23,232 | 0.27% | Shares |
Activists & 5%+ owners 5 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Todd E. Hensley | May 22, 2015 | · | Initial filing | · | SEC |
| Tontine Financial Partners, L.P., Tontine Management, L.L.C., Jeffrey L. Gendell ×2 filings | July 1, 2011 | · | Initial filing | · | SEC |
| Undisclosed reporting person, Undisclosed reporting person, Undisclosed reporting person | Aug. 14, 2003 | · | Initial filing | Passive investment | SEC |
| S.S. OR | Feb. 14, 2002 | · | Initial filing | Passive investment | SEC |
| Undisclosed reporting person, Undisclosed reporting person, Undisclosed reporting person | Aug. 30, 2001 | · | Initial filing | Passive investment | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 30 insiders · 14 officers · 14 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Greg A Steffens | CHAIRMAN/CEO | Feb. 24, 2026 A | 219,258 | 0 | 0 | $0 |
| Stefan Chkautovich | CHIEF FINANCIAL OFFICER | Feb. 24, 2026 A | 2,725 | 0 | 0 | $0 |
| Lora Lee Daves | EVP-CHIEF FINANCIAL OFFICER | July 13, 2023 M | 30,879 | 0 | 0 | $0 |
| Matthew T Funke | PRESIDENT/CHIEF ADMIN OFFICER | Feb. 24, 2026 A | 46,400 | 0 | 0 | $0 |
| Mark E Hecker | EVP-CHIEF CREDIT OFFICER | Aug. 18, 2026 S | 0 | 0 | 3 | $-202,802 |
| Richard Windes | EVP-CHIEF LENDING OFFICER | June 5, 2026 S | 5,375 | 0 | 2 | $-276,340 |
| Jane Butler | SVP/Chief Accounting Officer | Feb. 24, 2026 A | 3,050 | 0 | 0 | $0 |
| Lance K Greunke | EXECUTIVE VICE PRESIDENT | Feb. 24, 2026 A | 2,100 | 0 | 0 | $0 |
| Justin Cox | EVP-REGIONAL PRESIDENT | Feb. 24, 2026 A | 9,825 | 0 | 0 | $0 |
| Kimberly A Capps | EVP-CHIEF RETAIL OFFICER | Feb. 24, 2026 A | 70,366 | 0 | 0 | $0 |
| Brett Dorton | EVP-CHIEF STRATEGIES OFFICER | July 29, 2025 S | 1,060 | 0 | 0 | $0 |
| Martin Weishaar | EVP-CHIEF LEGAL OFFICER | Feb. 21, 2023 A | 4,100 | 0 | 0 | $0 |
| William D Hribovsek | EVP and Chief Lending Officer | Dec. 15, 2017 S | 21,830 | 0 | 0 | $0 |
| James W Duncan | Executive Vice President | Nov. 2, 2004 M | 27,582 | 0 | 0 | $0 |
| Todd E. Hensley | Director | Sept. 9, 2026 S | 533,740 | 0 | 3 | $-1,137,348 |
| Douglas Bagby | Director | May 6, 2026 S | 21,220 | 0 | 1 | $-39,962 |
| Kenneth J Bower | Director | Feb. 24, 2026 A | 400 | 0 | 0 | $0 |
| McCoy Daniel Patrick | Director | Feb. 24, 2026 A | 2,400 | 0 | 0 | $0 |
| David L Mcclain | Director | Feb. 24, 2026 A | 1,821 | 0 | 0 | $0 |
| Daniel Lee Jones | Director | Feb. 24, 2026 A | 1,800 | 0 | 0 | $0 |
| David J Tooley | Director | Feb. 24, 2026 A | 51,800 | 0 | 0 | $0 |
| Dennis C Robison | Director | Feb. 24, 2026 A | 3,286 | 0 | 0 | $0 |
| Sammy A Schalk | Director | Feb. 18, 2025 A | 84,755 | 0 | 0 | $0 |
| John R. Abercrombie | Director | Feb. 20, 2018 A | 182,318 | 0 | 0 | $0 |
| Ronnie D Black | Director | Feb. 20, 2018 A | 50,870 | 0 | 0 | $0 |
| Charles R Moffitt | Director | Sept. 17, 2014 M | 10,500 | 0 | 0 | $0 |
| Samuel H Smith | Director | June 29, 2012 A | 77,554 | 0 | 0 | $0 |
| Rebecca J Brooks | · | May 13, 2026 J | 10,000 | 0 | 0 | $0 |
| Charles R Love | · | March 4, 2026 S | 15,220 | 0 | 1 | $-37,120 |
| William E Young | · | Nov. 20, 2025 S | 93,552 | 0 | 1 | $-80,805 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 34 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.17% | 33,188 SH | Sept. 11, 2026 | Daily |
| VFMF · VANGUARD WELLINGTON FUND | 0.14% | 12,797 SH | Aug. 19, 2026 | Daily |
| DPST · Direxion Shares ETF Trust | 0.13% | 7,066 NS | July 31, 2026 | N-PORT |
| VFQY · VANGUARD WELLINGTON FUND | 0.06% | 3,717 SH | Aug. 19, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.04% | 7,773 SH | Aug. 19, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.03% | 57,980 NS | July 31, 2026 | N-PORT |
| VFVA · VANGUARD WELLINGTON FUND | 0.03% | 3,129 SH | Aug. 19, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.03% | 991 SH | Oct. 1, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.03% | 10,021 SH | Sept. 30, 2026 | Daily |
| IWM · iShares Trust | 0.02% | 259,580 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.02% | 4,646 NS | July 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.02% | 24,578 NS | July 31, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.02% | 55,751 SH | Aug. 19, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.02% | 36,542 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 107,144 SH | Aug. 19, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.01% | 15,484 SH | Aug. 19, 2026 | Daily |
| FNCL · FIDELITY COVINGTON TRUST | 0.01% | 2,481 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.01% | 514 NS | July 31, 2026 | N-PORT |
| WSML · iShares Trust | 0.01% | 585 SH | Sept. 11, 2026 | Daily |
| IWO · iShares Trust | 0.00% | 7,938 SH | Sept. 11, 2026 | Daily |
| DFAC · Dimensional ETF Trust | 0.00% | 24,922 NS | July 31, 2026 | N-PORT |
| PFM · Invesco Exchange-Traded Fund Trust | 0.00% | 313 SH | Sept. 24, 2026 | Daily |
| DCOR · Dimensional ETF Trust | 0.00% | 1,203 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 545 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 2,352 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 3,659 NS | July 31, 2026 | N-PORT |
| ITOT · iShares Trust | 0.00% | 15,858 SH | Sept. 11, 2026 | Daily |
| IWV · iShares Trust | 0.00% | 2,634 SH | Sept. 8, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 300,295 SH | Aug. 19, 2026 | Daily |
| VIG · VANGUARD SPECIALIZED FUNDS | 0.00% | 52,264 SH | Aug. 19, 2026 | Daily |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0.00% | 795 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 881 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 88,348 SH | Sept. 11, 2026 | Daily |
| SVAL · iShares Trust | · | 8,927 SH | Sept. 3, 2026 | Daily |
SMBC Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 9 analysts
BUY
Median target
$81.50
+12.3%
3 33.3%
Strong Buy
3 33.3%
Buy
3 33.3%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
4 analysts · 2026-09-30Mean target $81.25 +11.9%
← Below all targets
Current price $72.59
Low$79.00
Mean$81.25
High$83.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| SMBC | · | 11.9 | 9.9% | 35.8% | 12.7% | · |
| ORRF | $691M | 8.5 | 36.0% | 217.7% | 14.2% | · |
| SPFI | $632M | 11.3 | 8.6% | 27.6% | 12.3% | · |
| IBCP | $668M | 9.9 | 0.30% | 213.7% | 14.1% | · |
| PGC | $489M | 13.3 | 24.1% | 13.2% | 5.8% | · |
| FISI | $617M | 8.6 | 109.5% | 30.6% | 12.2% | · |
| HTB | $742M | 11.5 | · | 30.2% | 11.2% | · |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | · |
Latest News Recent headlines mentioning this company
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
No open signal right now — no card is filled, and that's honest.
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Source: SEC 10-K filed Sep 11, 2026