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SMBC
Volume: 8.44K

SMBC Stock Forecast & Price Target

SMBC Analyst Ratings

Based on 3 analyst ratings
Hold
Strong Buy 0%
Buy 33%
Hold 67%
Sell 0%
Strong Sell 0%

Bulls say

Southern Missouri Bancorp Inc. has demonstrated robust growth, with tangible book value (TBV) and tangible common equity (TCE) increasing by 4% and 30 basis points quarter-over-quarter, reaching $43.16 and 9.82%, respectively, driven by strong profitability indicated by return on assets (ROA) of 1.23% and return on tangible common equity (ROTCE) of 12.9%. The bank's efficiency ratio is expected to improve significantly to 49% by FY4Q27, bolstered by strong net interest income (NII) growth from the upward repricing of fixed-rate loans and lower funding costs, projecting TCE to rise to 10.3% and 11.3% in FY4Q26 and FY4Q27, respectively. Additionally, projected net interest margin (NIM) expansion, driven by a loan origination weighted average rate of 7.3% and upcoming fixed-rate loan repricings, reinforces a positive outlook on the company’s financial trajectory.

Bears say

Southern Missouri Bancorp is experiencing higher operational risks characterized by slower-than-expected growth in loans, core deposits, and fee income, potentially impacting overall profitability. Despite a reduction in operating expenses to $25.1 million, which was below expectations, ongoing challenges in credit quality and rising operating expenses present significant headwinds for future performance. Furthermore, projections indicate a decline in fiscal year 2026, underscoring persistent uncertainties in achieving anticipated financial stability amidst a complex macroeconomic landscape.

SMBC has been analyzed by 3 analysts, with a consensus rating of Hold. 0% of analysts recommend a Strong Buy, 33% recommend Buy, 67% suggest Holding, 0% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of Southern Missouri Bancorp and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About Southern Missouri Bancorp (SMBC) Forecast

Analysts have given SMBC a Hold based on their latest research and market trends.

According to 3 analysts, SMBC has a Hold consensus rating as of Dec 29, 2025. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $62.83, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $62.83, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

Southern Missouri Bancorp (SMBC)

Volume: 8.44K

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