SMBC Southern Missouri Bancorp, Inc. - Common Stock
$75.56
Price · Aug 19, 2026
Fundamentals as of May 8, 2026
52W Range
$48–$80
87% of range
Analyst Rating
STRONG BUY
9 analysts
Price Target
$84
+11% upside
P/E (TTM)
10.6
ROE
11.3%
Net Profit Margin
32.1%
SMBC Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$75.56
Market Cap
—
P/E (TTM)
10.6
EPS (TTM)
$5.18
Revenue (TTM)
—
Div Yield
—
ROE
11.3%
Debt/Equity
—
52W Range
$48 – $80
SMBC Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
Configure
10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
—
EPS
$5.18
2016-06-30
→
2025-06-30
Free Cash Flow
$75M
2016-06-30
→
2025-06-30
Margins
32.1%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
SMBC
Peer Median
P/E (TTM)
10.6
11.9
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
SMBC
Peer Median
Net Profit Margin
32.1%
26.4%
ROA
1.2%
1.3%
ROE
11.3%
11.4%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
SMBC
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
SMBC
Peer Median
Revenue YoY
11.1%
—
Revenue CAGR 3Y
13.5%
—
Revenue CAGR 5Y
14.0%
—
EPS YoY
17.2%
—
Net Income YoY
16.7%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
SMBC
Peer Median
Payout Ratio
17.7%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
—
Payout Ratio
17.7%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| Aug. 14, 2026 | $0.2700 |
| May 15, 2026 | $0.2500 |
| Feb. 13, 2026 | $0.2500 |
| Nov. 14, 2025 | $0.2500 |
| Aug. 15, 2025 | $0.2500 |
| May 15, 2025 | $0.2300 |
| Feb. 14, 2025 | $0.2300 |
| Nov. 15, 2024 | $0.2300 |
| Aug. 15, 2024 | $0.2300 |
| May 14, 2024 | $0.2100 |
| Feb. 14, 2024 | $0.2100 |
| Nov. 14, 2023 | $0.2100 |
| Aug. 14, 2023 | $0.2100 |
| May 12, 2023 | $0.2100 |
| Feb. 14, 2023 | $0.2100 |
| Nov. 14, 2022 | $0.2100 |
| Aug. 12, 2022 | $0.2100 |
| May 12, 2022 | $0.2000 |
| Feb. 14, 2022 | $0.2000 |
| Nov. 12, 2021 | $0.2000 |
SMBC Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
9 analysts
- Strong Buy 3 33.3%
- Buy 3 33.3%
- Hold 3 33.3%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
3 analysts · 2026-08-19
Median
$83.00
Mean
$83.67
← Below all targets
$75.56
Low
$83.00
High
$85.00
Median target
$83.00
+9.8%
Mean target
$83.67
+10.7%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
0.08%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $1.83 | $1.55 | 0.28% |
| March 31, 2026 | $1.60 | $1.60 | -0.00% |
| Dec. 31, 2025 | $1.62 | $1.57 | 0.05% |
| Sept. 30, 2025 | $1.38 | $1.41 | -0.03% |
| June 30, 2025 | $1.39 | $1.29 | 0.10% |
| March 31, 2025 | $1.39 | $1.32 | 0.07% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| SMBC | — | 10.6 | 11.1% | 32.1% | 11.3% | — |
| GSBC | $681M | 9.9 | 4.4% | 30.9% | 11.5% | — |
| EGBN | $650M | -4.7 | -3.1% | -46.1% | -11.9% | — |
| SPFI | $632M | 11.3 | 8.6% | 27.6% | 12.3% | — |
| IBCP | $668M | 9.9 | 0.30% | 213.7% | 14.1% | — |
| ORRF | $691M | 8.5 | 36.0% | 217.7% | 14.2% | — |
| 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% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 8
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $50M | $13M | $17M | $27M | $25M | $15M | $10M | $9M | $9M | $7M | |
| Interest Income | $277M | $248M | $176M | $117M | $109M | $107M | $97M | $77M | $61M | $56M | $55M | $40M | |
| Pretax Income | $74M | $63M | $49M | $60M | · | · | · | · | · | · | · | · | |
| Income Tax | $15M | $13M | $10M | $13M | $13M | $7M | $7M | $8M | $6M | $6M | · | $-454.9K | |
| Net Income | $59M | $50M | $39M | $47M | $47M | $28M | $29M | $21M | $16M | $15M | $14M | $10M | |
| EPS (Basic) | $5.19 | $4.42 | $3.86 | $5.22 | $5.22 | $3.00 | $3.14 | $2.40 | $2.08 | $1.99 | $1.84 | $1.49 | |
| EPS (Diluted) | $5.18 | $4.42 | $3.85 | $5.21 | $5.22 | $2.99 | $3.14 | $2.39 | $2.07 | $1.98 | $1.79 | $1.45 | |
| Shares (Basic) | 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 | · | · |
Balance Sheet 16
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $193M | $61M | $54M | $87M | $124M | $54M | $35M | $26M | $31M | $23M | $17M | $15M | |
| PP&E (Net) | $96M | $96M | $92M | $71M | $64M | $65M | $63M | $55M | $54M | $47M | $40M | $22M | |
| PP&E (Gross) | $140M | $135M | $128M | $103M | $92M | $89M | $84M | $73M | $69M | $62M | $53M | $33M | |
| Accum. Depreciation | $44M | $39M | $36M | $32M | $28M | $24M | $21M | $18M | · | · | · | · | |
| Goodwill | $51M | $51M | $51M | $27M | $14M | $14M | $14M | $13M | $9M | $5M | $5M | $2M | |
| Intangibles | · | · | · | · | $2M | · | · | · | · | · | · | · | |
| Total Assets | $5.02B | $4.60B | $4.36B | $3.21B | $2.70B | $2.54B | $2.21B | $1.89B | $1.71B | $1.40B | $1.30B | $1.02B | |
| Current Liabilities | · | · | · | · | · | $2.28B | $1.98B | $1.69B | $1.53B | · | · | · | |
| Capital Leases | · | $7M | $6M | · | · | · | · | · | · | · | · | · | |
| Total Liabilities | $4.47B | $4.12B | $3.91B | $2.89B | $2.42B | $2.28B | · | $1.69B | $1.53B | $1.28B | $1.17B | $910M | |
| Common Stock | $120.0K | $120.0K | $119.0K | $98.0K | $94.0K | $93.0K | $93.0K | $90.0K | $86.0K | $74.0K | $74.0K | $33.0K | |
| Paid-in Capital | $221M | $220M | $218M | $119M | $96M | $95M | $95M | $83M | $70M | $34M | $34M | $24M | |
| Treasury Stock | $25M | $25M | $21M | $21M | $15M | $7M | $1M | $0 | · | · | · | · | |
| AOCI | $-11M | $-17M | $-22M | $-17M | $3M | $4M | $1M | $-2M | $527.0K | $2M | $861.0K | $588.0K | |
| Stockholders' Equity | $545M | $489M | $446M | $321M | $283M | $258M | $238M | $201M | $173M | $126M | $133M | $111M | |
| Liabilities + Equity | $5.02B | $4.60B | $4.36B | $3.21B | $2.70B | $2.54B | $2.21B | $1.89B | $1.71B | $1.40B | $1.30B | $1.02B |
Cash Flow 14
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Deferred Tax | $694.0K | $694.0K | $-974.0K | $-617.0K | $2M | $-3.0K | $75.0K | $-530.0K | $1M | $476.0K | · | · | |
| Amort. of Intangibles | $4M | $4M | $3M | $1M | $1M | $2M | $2M | $1M | $911.0K | $1M | $1M | $674.0K | |
| Operating Cash Flow | $82M | $70M | $62M | $67M | $52M | $40M | $39M | $31M | $26M | $18M | $20M | $13M | |
| CapEx | $6M | $9M | $6M | $5M | $3M | $4M | $8M | $2M | $3M | $-10M | $-7M | $-6M | |
| Investing Cash Flow | $-285M | $-246M | $-213M | $-304M | $-102M | $-272M | $-113M | $-108M | $-123M | $-100M | $-26M | $-86M | |
| 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 | $10M | $10M | $9M | $7M | $6M | $6M | $5M | $4M | · | · | · | · | |
| Financing Cash Flow | $336M | $182M | $119M | $200M | $120M | $251M | $83M | $73M | $106M | $88M | $8M | $74M | |
| Net Change in Cash | $132M | $7M | $-33M | $-37M | $69M | $19M | $9M | $-4M | $8M | $6M | $2M | $2M | |
| Taxes Paid | · | · | · | · | · | · | · | $8M | $6M | $7M | $6M | $4M | |
| Free Cash Flow | $75M | $61M | $56M | $63M | $49M | $36M | $31M | $33M | $29M | $27M | · | $19M |
Profitability 4
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 32.1% | 30.5% | 25.7% | 37.8% | 41.9% | 29.0% | 32.9% | 27.5% | 25.0% | 26.2% | · | 25.8% | |
| Pretax Margin | 40.5% | 38.4% | · | · | · | · | · | · | · | · | · | · | |
| ROA | 1.2% | 1.1% | 1.0% | 1.6% | 1.8% | 1.2% | 1.4% | 1.2% | 1.0% | 1.1% | · | 1.1% | |
| ROE | 11.3% | 10.7% | 10.2% | 15.6% | 17.4% | 11.1% | 13.2% | 11.2% | 10.4% | 11.5% | · | 9.5% |
Liquidity & Solvency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Quick Ratio | · | · | · | · | · | 0.0 | 0.0 | · | · | · | · | · |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · | 0.0 |
Growth Rates 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 11.1% | 7.4% | 22.6% | 10.7% | 18.8% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 13.5% | 13.4% | 17.2% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 14.0% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 17.2% | 14.8% | -26.1% | -0.19% | 74.6% | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | -0.19% | -5.4% | 8.8% | · | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 11.6% | · | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 16.7% | 27.9% | -16.8% | -0.02% | 71.3% | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | 7.5% | 2.1% | 12.5% | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 16.3% | · | · | · | · | · | · | · | · | · | · | · | |
| Dividend CAGR 5Y | 13.5% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM) 6
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $183M | $164M | $153M | $125M | $113M | $95M | $86M | $75M | $62M | $57M | $55M | $39M | |
| Net Income TTM | $59M | $50M | $39M | $47M | $47M | $28M | $29M | $21M | $16M | $15M | $14M | $10M | |
| P/E | 10.6 | 10.2 | 10.0 | 8.7 | 8.6 | 8.1 | 11.1 | 16.3 | 15.6 | 11.9 | 10.5 | 12.3 | |
| Earnings Yield | 9.5% | 9.8% | 10.0% | 11.5% | 11.6% | 12.3% | 9.0% | 6.1% | 6.4% | 8.4% | 9.5% | 8.1% | |
| Payout Ratio | 17.7% | 19.0% | 22.0% | 15.2% | 11.9% | 20.0% | · | · | · | · | · | · | |
| Annual Payout | $10M | $10M | $9M | $7M | $6M | $6M | $5M | $4M | · | · | · | · |
Income Statement 9
| Metric | Trend | 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 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | $30M | $27M | $23M | $18M | $15M | $11M | $6M | $4M | |
| Interest Income | $71M | $72M | $73M | $71M | $70M | $69M | $67M | $65M | $64M | $62M | $58M | $54M | $48M | $39M | $35M | $32M | |
| Pretax Income | $22M | $23M | $19M | $19M | $20M | $19M | $16M | $17M | $14M | $15M | $17M | · | · | · | · | · | |
| Income Tax | $4M | $5M | $4M | $3M | $4M | $5M | $3M | $3M | $3M | $3M | $3M | $4M | $578.0K | $3M | $2M | $4M | |
| Net Income | $18M | $18M | $16M | $16M | $16M | $15M | $12M | $14M | $11M | $12M | $13M | $16M | $2M | $12M | $10M | $13M | |
| EPS (Basic) | $1.60 | $1.62 | $1.39 | $1.40 | $1.39 | $1.30 | $1.10 | $1.19 | $1.00 | $1.08 | $1.16 | $1.37 | $0.22 | $1.26 | $1.04 | $1.41 | |
| EPS (Diluted) | $1.60 | $1.62 | $1.38 | $1.39 | $1.39 | $1.30 | $1.10 | $1.19 | $0.99 | $1.07 | $1.16 | $1.37 | $0.22 | $1.26 | $1.04 | $1.41 | |
| Shares (Basic) | 11,040,896 | 11,153,362 | 11,246,743 | -22,454,218 | 11,237,641 | 11,230,514 | 11,220,766 | -22,581,741 | 11,301,577 | 11,286,786 | 11,286,012 | -19,094,661 | 10,843,689 | 9,187,881 | 9,187,857 | -17,741,552 | |
| 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 13
| Metric | Trend | 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 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $93M | $134M | $124M | $193M | $227M | $146M | $75M | $61M | $168M | $216M | $88M | · | $115M | $53M | $48M | · | |
| PP&E (Net) | $93M | $95M | $95M | $96M | $96M | $96M | $96M | $96M | $96M | $95M | $95M | · | $92M | $67M | $71M | · | |
| PP&E (Gross) | $142M | $142M | $141M | $140M | $140M | $138M | $137M | $135M | $134M | $131M | $131M | · | $127M | $101M | $104M | · | |
| Accum. Depreciation | $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 | $27M | $27M | · | |
| Total Assets | $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 | $4.57B | $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 | $119.0K | $119.0K | · | $119.0K | $98.0K | $98.0K | · | |
| Paid-in Capital | $223M | $222M | $221M | $221M | $221M | $220M | $220M | $220M | $220M | $219M | $219M | · | $218M | $119M | $119M | · | |
| Treasury Stock | $43M | $33M | $25M | $25M | $25M | $25M | $25M | $25M | $21M | $21M | $21M | · | $21M | $21M | $21M | · | |
| AOCI | $-9M | $-9M | $-8M | $-11M | $-14M | $-16M | $-11M | $-17M | $-19M | $-19M | $-25M | · | $-18M | $-19M | $-20M | · | |
| Stockholders' Equity | $574M | $567M | $560M | $545M | $529M | $512M | $506M | $489M | $480M | $470M | $454M | · | $437M | $337M | $326M | · | |
| Liabilities + Equity | $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 9
| Metric | Trend | 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 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Deferred Tax | $101.0K | $101.0K | $880.0K | · | · | · | · | $274.0K | $420.0K | · | · | $1M | $-2M | $6.0K | $7.0K | · | |
| Amort. of Intangibles | $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 | $402.0K | |
| Operating Cash Flow | $29M | $21M | $16M | $27M | $24M | $20M | $10M | $15M | $24M | $17M | $14M | $23M | $11M | $21M | $7M | $21M | |
| CapEx | $456.0K | $1M | $901.0K | $1M | $1M | $2M | $1M | $2M | $4M | $1M | $1M | $2M | $3M | $1M | $397.0K | $252.0K | |
| Investing Cash Flow | $-93M | $-28M | $-84M | $-79M | $12M | $-118M | $-101M | $-73M | $-59M | $-39M | $-74M | $-140M | $199M | $-5M | $-267M | $-132M | |
| Dividends Paid | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Financing Cash Flow | $23M | $17M | $-1M | $17M | $45M | $168M | $105M | $-49M | $-13M | $150M | $94M | $56M | $-148M | $-11M | $221M | $-51M | |
| Net Change in Cash | $-41M | $10M | $-69M | $-34M | $81M | $70M | $14M | $-107M | $-48M | $128M | $34M | $-61M | $61M | $5M | $-39M | $-162M | |
| Free Cash Flow | · | · | $15M | · | · | · | $9M | · | · | · | $13M | · | · | · | $7M | · |
Profitability 4
| Metric | Trend | 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 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 1
| Metric | Trend | 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 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | · |
Valuation (TTM) 5
| Metric | Trend | 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 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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% | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 | |
|---|---|---|---|---|---|
| Net Income | $59M | $50M | $39M | $47M | $47M |
| Diluted EPS | $5.18 | $4.42 | $3.85 | $5.21 | $5.22 |
Cash Flow
| 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 | |
|---|---|---|---|---|---|
| Free Cash Flow | $75M | $61M | $56M | $63M | $49M |
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Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
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Institutional owners (13F) 163 filers · $337.7M total · As of June 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.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 28 (+11 vs prior Q) | 14 (-4 vs prior Q) | 53 (+2 vs prior Q) | 29 (-12 vs prior Q) | +480K |
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 |
|---|---|---|---|---|
| DIMENSIONAL FUND ADVISORS LP | $33,656,165 | 441,624 | 9.97% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $31,780,713 | 417,015 | 9.41% | Shares |
| STATE STREET CORP | $27,351,236 | 358,893 | 8.10% | Shares |
| AMERICAN CENTURY COMPANIES INC | $26,935,434 | 353,437 | 7.98% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $18,078,841 | 237,224 | 5.35% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $16,165,702 | 212,070 | 4.79% | Shares |
| RAFFLES ASSOCIATES LP | $16,091,970 | 211,153 | 4.76% | Shares |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $11,851,493 | 155,511 | 3.51% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $11,843,415 | 155,405 | 3.51% | Shares |
| MILLENNIUM MANAGEMENT LLC | $8,407,716 | 110,323 | 2.49% | Shares |
| ALGERT GLOBAL LLC | $8,154,165 | 106,996 | 2.41% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $6,083,387 | 79,824 | 1.80% | Shares |
| Siena Capital Partners GP, LLC | $6,045,313 | 79,314 | 1.79% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $6,016,094 | 78,941 | 1.78% | Shares |
| PANAGORA ASSET MANAGEMENT INC | $5,669,567 | 74,394 | 1.68% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $5,493,826 | 72,088 | 1.63% | Shares |
| BlackRock, Inc. | $5,184,871 | 68,034 | 1.54% | Shares |
| GOLDMAN SACHS GROUP INC | $5,134,801 | 67,377 | 1.52% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $4,707,263 | 61,767 | 1.39% | Shares |
| ACR Alpine Capital Research, LLC | $4,658,108 | 61,122 | 1.38% | Shares |
| Empowered Funds, LLC | $3,512,366 | 46,088 | 1.04% | Shares |
| LAZARD ASSET MANAGEMENT LLC | $3,220,177 | 42,254 | 0.95% | Shares |
| D. E. Shaw & Co., Inc. | $3,072,025 | 40,310 | 0.91% | Shares |
| UBS Group AG | $2,992,233 | 39,263 | 0.89% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $2,946,583 | 38,664 | 0.87% | Shares |
| JPMORGAN CHASE & CO | $2,881,528 | 37,870 | 0.85% | Shares |
| Qube Research & Technologies Ltd | $2,745,237 | 36,022 | 0.81% | Shares |
| FIRST TRUST ADVISORS LP | $2,637,628 | 34,610 | 0.78% | Shares |
| FMR LLC | $2,626,806 | 34,468 | 0.78% | Shares |
| Mariner, LLC | $1,836,503 | 24,098 | 0.54% | Shares |
| FRANKLIN RESOURCES INC | $1,793,374 | 23,532 | 0.53% | Shares |
| COMMERCE BANK | $1,685,079 | 22,111 | 0.50% | Shares |
| BANK OF AMERICA CORP /DE/ | $1,628,760 | 21,372 | 0.48% | Shares |
| BARCLAYS PLC | $1,614,127 | 21,180 | 0.48% | Shares |
| Trexquant Investment LP | $1,515,664 | 19,888 | 0.45% | Shares |
| HSBC HOLDINGS PLC | $1,495,882 | 19,595 | 0.44% | Shares |
| Quantinno Capital Management LP | $1,489,684 | 19,547 | 0.44% | Shares |
| Swiss National Bank | $1,444,408 | 18,953 | 0.43% | Shares |
| VICTORY CAPITAL MANAGEMENT INC | $1,438,464 | 18,875 | 0.43% | Shares |
| Brandywine Global Investment Management, LLC | $1,373,476 | 23,232 | 0.41% | Shares |
| TWO SIGMA ADVISERS, LP | $1,318,376 | 22,300 | 0.39% | Shares |
| Point72 Asset Management, L.P. | $1,242,528 | 16,304 | 0.37% | Shares |
| First Financial Bankshares Inc | $1,172,643 | 15,387 | 0.35% | Shares |
| AMERIPRISE FINANCIAL INC | $1,098,720 | 14,417 | 0.33% | Shares |
| TWO SIGMA INVESTMENTS, LP | $1,059,700 | 13,905 | 0.31% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $1,042,629 | 13,681 | 0.31% | Shares |
| Balboa Wealth Partners | $986,372 | 12,943 | 0.29% | Shares |
| RHUMBLINE ADVISERS | $946,443 | 12,419 | 0.28% | Shares |
| Voleon Capital Management LP | $824,973 | 10,825 | 0.24% | Shares |
| TEACHER RETIREMENT SYSTEM OF TEXAS | $805,311 | 10,567 | 0.24% | Shares |
| Independent Advisor Alliance | $739,237 | 9,700 | 0.22% | Shares |
| ExodusPoint Capital Management, LP | $738,475 | 9,690 | 0.22% | Shares |
| MORGAN STANLEY | $731,921 | 9,604 | 0.22% | Shares |
| Y-Intercept (Hong Kong) Ltd | $699,227 | 9,175 | 0.21% | Shares |
| IEQ CAPITAL, LLC | $646,566 | 8,484 | 0.19% | Shares |
| ALLIANCEBERNSTEIN L.P. | $634,924 | 9,930 | 0.19% | Shares |
| WELLS FARGO & COMPANY/MN | $622,331 | 8,166 | 0.18% | Shares |
| ALPS ADVISORS INC | $617,606 | 8,104 | 0.18% | Shares |
| CITADEL ADVISORS LLC | $580,339 | 7,615 | 0.17% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $560,882 | 8,772 | 0.17% | Shares |
| VANGUARD ASSET MANAGEMENT, Ltd | $552,446 | 7,249 | 0.16% | Shares |
| FEDERATED HERMES, INC. | $548,712 | 7,200 | 0.16% | Shares |
| CANADA PENSION PLAN INVESTMENT BOARD | $510,607 | 6,700 | 0.15% | Shares |
| Rafferty Asset Management, LLC | $506,339 | 6,644 | 0.15% | Shares |
| Quantbot Technologies LP | $478,904 | 6,284 | 0.14% | Shares |
| Cetera Investment Advisers | $478,599 | 6,280 | 0.14% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $473,808 | 6,217 | 0.14% | Shares |
| Universal- Beteiligungs- und Servicegesellschaft mbH | $473,417 | 6,212 | 0.14% | Shares |
| Vanguard Global Advisers, LLC | $461,147 | 6,051 | 0.14% | Shares |
| ZACKS INVESTMENT MANAGEMENT | $458,784 | 6,020 | 0.14% | Shares |
| Welch & Forbes LLC | $457,260 | 6,000 | 0.14% | Shares |
| SUSQUEHANNA FUNDAMENTAL INVESTMENTS, LLC | $454,440 | 5,963 | 0.13% | Shares |
| MALTESE CAPITAL MANAGEMENT LLC | $446,286 | 5,856 | 0.13% | Shares |
| Simmons Bank | $422,203 | 5,540 | 0.13% | Shares |
| Engineers Gate Manager LP | $421,441 | 5,530 | 0.12% | Shares |
| MetLife Investment Management, LLC | $417,936 | 5,484 | 0.12% | Shares |
| PRUDENTIAL FINANCIAL INC | $415,345 | 5,450 | 0.12% | Shares |
| Odyssean, LLC | $410,010 | 5,380 | 0.12% | Shares |
| Enterprise Financial Services Corp | $365,655 | 4,798 | 0.11% | Shares |
| JANUS HENDERSON GROUP PLC | $361,810 | 5,667 | 0.11% | Shares |
| VANGUARD GROUP INC | $357,735 | 6,051 | 0.11% | Shares |
| LPL Financial LLC | $354,354 | 4,650 | 0.10% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $339,744 | 4,458 | 0.10% | Shares |
| Sequoia Financial Advisors, LLC | $335,477 | 4,402 | 0.10% | Shares |
| Bank of New York Mellon Corp | $335,324 | 4,400 | 0.10% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $326,788 | 4,288 | 0.10% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $318,558 | 4,180 | 0.09% | Shares |
| Krilogy Financial LLC | $302,249 | 3,966 | 0.09% | Shares |
| Invesco Ltd. | $297,600 | 3,905 | 0.09% | Shares |
| R Squared Ltd | $296,609 | 3,892 | 0.09% | Shares |
| EntryPoint Capital, LLC | $284,416 | 3,732 | 0.08% | Shares |
| DIVERSIFIED TRUST CO | $271,002 | 3,556 | 0.08% | Shares |
| WEALTH ENHANCEMENT ADVISORY SERVICES, LLC | $259,056 | 3,481 | 0.08% | Shares |
| CWM, LLC | $255,632 | 3,998 | 0.08% | Shares |
| Cubist Systematic Strategies, LLC | $237,728 | 4,523 | 0.07% | Shares |
| JMN Financial LLC | $234,574 | 3,078 | 0.07% | Shares |
| Acropolis Investment Management, LLC | $232,060 | 3,045 | 0.07% | Shares |
| JANE STREET GROUP, LLC | $228,630 | 3,000 | 0.07% | Call option |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $226,953 | 2,978 | 0.07% | Shares |
| Russell Investments Group, Ltd. | $225,886 | 2,964 | 0.07% | Shares |
Company insiders 22 insiders · 10 officers · 10 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 |
| Matthew T Funke | EVP/Chief Financial Officer | Feb. 10, 2021 A | 39,550 | 0 | 0 | $0 |
| Mark E Hecker | EVP-CHIEF CREDIT OFFICER | July 29, 2026 M | 10,065 | 0 | 0 | $0 |
| Richard Windes | EVP-CHIEF LENDING OFFICER | June 5, 2026 S | 5,375 | 0 | 1 | $-139,400 |
| Martin Weishaar | EVP/Chief Legal Officer | Feb. 10, 2021 A | 3,200 | 0 | 0 | $0 |
| Brett Dorton | EVP-Chief Strategies Officer | Feb. 10, 2021 A | 1,930 | 0 | 0 | $0 |
| Justin Cox | EVP-Regional President | Feb. 10, 2021 A | 5,550 | 0 | 0 | $0 |
| Lora Lee Daves | EVP, Chief Risk Officer | Feb. 10, 2021 A | 23,680 | 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 |
| Douglas Bagby | Director | May 6, 2026 S | 21,220 | 0 | 1 | $-39,962 |
| Sammy A Schalk | Director | Sept. 9, 2020 P | 93,355 | 0 | 0 | $0 |
| Dennis C Robison | Director | May 28, 2020 P | 4,214 | 0 | 0 | $0 |
| David J Tooley | Director | May 15, 2018 M | 45,500 | 0 | 0 | $0 |
| John R. Abercrombie | Director | Feb. 20, 2018 A | 182,318 | 0 | 0 | $0 |
| Todd E. Hensley | Director | Feb. 20, 2018 A | 537,540 | 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 |
| Kimberly A Capps | — | Feb. 10, 2021 A | 67,143 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
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.
ETF ownership Held by 48 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 |
|---|---|---|---|---|
| SVAL · iShares Trust | 0.43% | 11,538 SH | Aug. 8, 2026 | Daily |
| BFOR · ALPS ETF Trust | 0.26% | 8,019 NS | May 31, 2026 | N-PORT |
| IWC · iShares Trust | 0.17% | 33,001 SH | Aug. 8, 2026 | Daily |
| VFMF · VANGUARD WELLINGTON FUND | 0.14% | 12,797 SH | Aug. 8, 2026 | Daily |
| DPST · Direxion Shares ETF Trust | 0.08% | 5,886 NS | April 30, 2026 | N-PORT |
| AVUV · AMERICAN CENTURY ETF TRUST | 0.07% | 283,814 NS | May 31, 2026 | N-PORT |
| VFQY · VANGUARD WELLINGTON FUND | 0.06% | 3,717 SH | Aug. 8, 2026 | Daily |
| AVSC · AMERICAN CENTURY ETF TRUST | 0.05% | 21,997 NS | May 31, 2026 | N-PORT |
| IWN · iShares Trust | 0.04% | 83,416 SH | Aug. 8, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.04% | 7,773 SH | Aug. 8, 2026 | Daily |
| GSSC · Goldman Sachs ETF Trust | 0.04% | 5,598 NS | May 31, 2026 | N-PORT |
| VFVA · VANGUARD WELLINGTON FUND | 0.03% | 3,129 SH | Aug. 8, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.03% | 57,800 NS | April 30, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.03% | 997 SH | Aug. 8, 2026 | Daily |
| IWM · iShares Trust | 0.02% | 250,778 SH | Aug. 8, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.02% | 8,338 SH | Aug. 8, 2026 | Daily |
| RSSL · Global X Funds | 0.02% | 4,209 NS | April 30, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.02% | 55,751 SH | Aug. 8, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.02% | 21,674 NS | April 30, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.02% | 36,542 NS | April 30, 2026 | N-PORT |
| ITWO · ProShares Trust | 0.02% | 455 NS | May 31, 2026 | N-PORT |
| SCHA · SCHWAB STRATEGIC TRUST | 0.01% | 45,453 NS | May 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 107,144 SH | Aug. 8, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.01% | 15,484 SH | Aug. 8, 2026 | Daily |
| UWM · ProShares Trust | 0.01% | 356 NS | May 31, 2026 | N-PORT |
| URTY · ProShares Trust | 0.01% | 360 NS | May 31, 2026 | N-PORT |
| WSML · iShares Trust | 0.01% | 579 SH | Aug. 8, 2026 | Daily |
| FNCL · FIDELITY COVINGTON TRUST | 0.01% | 2,130 NS | April 30, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.01% | 358 NS | April 30, 2026 | N-PORT |
| EBI · RBB Fund Trust | 0.01% | 519 NS | May 31, 2026 | N-PORT |
| AVSU · AMERICAN CENTURY ETF TRUST | 0.00% | 296 NS | May 31, 2026 | N-PORT |
| IWO · iShares Trust | 0.00% | 7,748 SH | Aug. 8, 2026 | Daily |
| DFAC · Dimensional ETF Trust | 0.00% | 23,332 NS | April 30, 2026 | N-PORT |
| MSSM · MORGAN STANLEY PATHWAY FUNDS | 0.00% | 370 NS | May 31, 2026 | N-PORT |
| PFM · Invesco Exchange-Traded Fund Trust | 0.00% | 313 SH | Aug. 8, 2026 | Daily |
| HDG · ProShares Trust | 0.00% | 9 NS | May 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 1,203 NS | April 30, 2026 | N-PORT |
| AVUS · AMERICAN CENTURY ETF TRUST | 0.00% | 4,263 NS | May 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 545 NS | April 30, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 2,352 NS | April 30, 2026 | N-PORT |
| ITOT · iShares Trust | 0.00% | 15,859 SH | Aug. 8, 2026 | Daily |
| DFUS · Dimensional ETF Trust | 0.00% | 3,659 NS | April 30, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 2,604 SH | Aug. 8, 2026 | Daily |
| SCHB · SCHWAB STRATEGIC TRUST | 0.00% | 5,612 NS | May 31, 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 300,295 SH | Aug. 8, 2026 | Daily |
| VIG · VANGUARD SPECIALIZED FUNDS | 0.00% | 52,264 SH | Aug. 8, 2026 | Daily |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0.00% | 795 SH | Aug. 8, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 881 SH | Aug. 8, 2026 | Daily |