RankAlpha logo
Back to Rankings

SMBC

Southern Missouri BancorpB
Nasdaq / Banks
Last Price
Quote time unavailable
View Chart
Current thesis
The earnings beat, stable year-over-year NIM expansion, loan growth, higher tangible book value, and dividend increase support a constructive operating trend. Immediate after-hours trading was reported up about 1% after the release (Investing.com).
Posture
Constructive
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-10-26.
What can break
Deposit growth lagged loan growth in fiscal 2026, increasing funding and net-interest-margin risk [#SEC-8K-2026-07-22].
Momentum
48
Value
61
Sentiment
61
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $80.00 · Bull $88.00 · Bear $67.00Analysis 2026-07-30; returns require an exact persisted reference.
Earnings
2026-10-26
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-30 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $80.20
Why
Momentum48 · Δ7d -4.1
Value61 · Δ7d +0.1
Sentiment61 · Δ7d -1.9
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Next scheduled catalyst: earnings 2026-10-26.
  • • Value remains the lead driver in the composite, 7D delta +0.1.

Contradictions & invalidation

  • • Deposit growth lagged loan growth in fiscal 2026, increasing funding and net-interest-margin risk [#SEC-8K-2026-07-22].
  • • FY2027 investments in personnel and technology may raise operating expenses.
  • • Higher credit provisions, agricultural exposure, potentially more expensive deposits, possible margin compression, and planned FY2027 reinvestment could reduce earnings quality and limit multiple expansion.

Catalyst clock

2026-10-26

Strong fiscal Q4 earnings beat with dividend increase

Lead driver: Value · See fundamentals
Momentum
48
8% active weight
Current posture
7d trendSoftening
Δ7d
-4.1
Δ21d
+0.9
Value
61
47% active weight
Current posture
7d trendFlat
Δ7d
+0.1
Δ21d
+0.8
Sentiment
61
45% active weight
Current posture
7d trendSoftening
Δ7d
-1.9
Δ21d
-9.2
Why this grade

Composite grade B. Momentum 47.6 / Value 61.0 / Sentiment 60.8

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-30. Scenario method

B+
Bull case
25%
Probability
Target price
$88.00
Analysis reference price unavailable
Analysis 2026-07-30 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$80.00
Analysis reference price unavailable
Analysis 2026-07-30 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$67.00
Analysis reference price unavailable
Analysis 2026-07-30 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$791.86M
Beta
0.98
Shares Out
11.01M
P/E (TTM)
10.9
P/S (TTM)
3.58
P/FCF (TTM)
9.39
Rev YoY
+2.8%
EPS YoY
+31.2%
Gross Margin
-
Op Margin
+27.5%
Net Debt
$75.22M
Current Ratio
0.05
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data