Southern Missouri Bancorp (SMBC)
Community bank holding company built by acquiring small banks across four Midwest and mid-South states.
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Operates as a Missouri-based bank holding company built through decades of acquiring small community banks across Arkansas, Illinois, and Kansas, funding real estate, agricultural, and commercial lending with a low-cost base of local core deposits.
Grew from a Missouri thrift chartered in 1887 into a bank holding company through a 1994 stock-conversion offering, then a later charter conversion that turned the operating bank into a state trust company with full banking powers under Federal Reserve oversight.
Since then, expansion has come almost entirely through acquiring small community banks in Arkansas, Illinois, and Kansas, each folded into the Missouri-based operating bank, Southern Bank, for its local deposit base as much as its loan book — a strategy directed by the same chief executive for more than two decades.
Serves commercial, agricultural, and retail customers across a four-state Midwest and mid-South footprint, regulated jointly by the Missouri Division of Finance and the Federal Reserve.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Sep 1, 2026 | Raymond James | Initiate | Rating: — | |
| Aug 6, 2026 | Stephens | Target | Target: $76 | Target: $85 |
| Jul 27, 2026 | Piper Sandler | Reiterate | Rating: —Target: $79 | Target: $83 |
| Jun 26, 2026 | Piper Sandler | Reiterate | Rating: —Target: $71 | Target: $79 |
| Apr 27, 2026 | Piper Sandler | Reiterate | Rating: —Target: $68 | Target: $71 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $541.7M · Total debt $148.3M · Total assets $5.23B · Shareholders' equity $590.7M
- Revenue
- $72.8M
- Operating income
- $23.0M
- Net income
- $20.3M
HistoryDividendAnnual yield
| Institutions | ≈ 57.55% | 6.34M shares | |
|---|---|---|---|
| 153 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 11.30% | 1.25M shares | |
| 22 holders · as of Sep 10, 2026 | |||
| Other | ≈ 31.15% | 3.43M shares | |
| remainder | |||
11.02M company shares as of Sep 18, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 10.16% | 1.12M | as of Jun 30, 2026 |
Todd E. HensleyInsiderdirector | 4.85% | 533,740 | filed Sep 10, 2026 |
Dimensional Fund Advisors LPInstitution | 4.23% | 465,835 | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 3.79% | 417,015 | as of Jun 30, 2026 |
State Street CorpInstitution | 3.26% | 358,893 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 9, 2026 | Todd E. Hensley | director | −10,851 | $72.66 |
| Sep 8, 2026 | Todd E. Hensley | director | −4,749 | $73.48 |
| Aug 18, 2026 | Mark E. Hecker | officer: EVP-CHIEF CREDIT OFFICER | −2,685 | $75.53 |
| Jun 5, 2026 | Richard Windes | officer: EVP-CHIEF LENDING OFFICER | −2,000 | $69.70 |
| May 21, 2026 | Richard Windes | officer: EVP-CHIEF LENDING OFFICER | −2,000 | $68.47 |
- Great Southern Bancorp
Same-size Missouri rival with overlapping CRE, C&I, and KC-metro deposits
- Equity Bancshares
Wichita-based rival with matching ag, CRE, and KC-metro deposit strategy
- Simmons First National
$24.5B Mid-South regional bank overlapping in Arkansas, Missouri, and Kansas
- Commerce Bancshares
$32B Missouri regional bank with ~10% Kansas City deposit share
- Enterprise Financial Services
$17B St. Louis-based bank growing fast in the Kansas City metro
- QCR
Multi-bank holding co. with #2 Springfield, Missouri deposit share
- First Busey
$18B commercial bank spanning Kansas City metro, Illinois, and Missouri
- UMB Financial
Kansas City's #1 bank by deposits; a $73B super-regional overlap
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Southern Missouri Bancorp | $71.52 | +0.09% | $787.1M | 11.1 | 10.7 | 2.5 | +8.7% |
| Great Southern Bancorp | $78.30 | −0.15% | $854.2M | 13.1 | 14.2 | 2.7 | −3.9% |
| Equity Bancshares | $48.36 | −0.42% | $998.7M | 27.7 | 9.6 | 2.6 | +42.3% |
| Simmons First National | $22.93 | +1.91% | $3.26B | — | 10.5 | 5.7 | +69,452.9% |
| Commerce Bancshares | $55.68 | 0.00% | $8.12B | 13.5 | 12.7 | 3.7 | +11.9% |
| Enterprise Financial Services | $60.01 | −0.63% | $2.19B | 12.0 | 10.6 | 2.2 | +30.9% |
| QCR | $99.56 | +0.20% | $1.64B | 11.7 | 11.7 | 2.7 | +19.0% |
| First Busey | $29.72 | +0.02% | $2.51B | 10.7 | 11.2 | 2.7 | −1.9% |
| UMB Financial | $134.64 | +0.32% | $10.19B | 11.2 | 10.2 | 2.2 | +22.9% |
| Median | 12.0 | 10.9 | 2.7 | +20.9% |