Southern Missouri Bancorp, Inc. (SMBC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$70.64-2.66%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · SMBC
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
No current thesis-health read is available for this company.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -8.0% |
| Our one-year growth estimate | diamond | -15.8% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 7.9 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
SMBC — CFO transition
Dated 2026-10-29
CFO — Stefan Chkautovich: The CFO is resigning to pursue another opportunity, but an internal successor (the President) has been appointed, indicating an orderly transition rather than a sudden loss of leadership.
Why it matters: The CFO is leaving, and the President was named as the internal successor. A clear handoff would support an orderly change.
Supportive ifA company filing or release says the President has taken over as CFO.
Worry ifA company filing or release says the handoff is delayed or no CFO successor is named.
Why it matters: The margin rose to 3.70% in fiscal Q1. A further rise would support recent growth in net interest income.
Supportive ifThe next quarterly report shows net interest margin above 3.70%.
Worry ifThe next quarterly report shows net interest margin below 3.67%.
Why it matters: Loan and deposit growth were both positive in fiscal Q1. Another increase would support the bank's stated growth plan.
Supportive ifFiscal Q2 gross loans and deposits both rise from September 30, 2026.
Worry ifFiscal Q2 gross loans or deposits fall from September 30, 2026.
Why it matters: Nonperforming loans fell to 0.60% in fiscal Q1, after reaching 0.63% in June. A new rise could signal more loan stress.
Worry ifA quarterly report shows nonperforming loans above 0.63% of gross loans.
Less concerning ifNonperforming loans stay at or below 0.60% of gross loans.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$71 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $174 loss on $10,000 · 1.7% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,319 loss on $10,000 · 13.2% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: The bank cited uncertain rates, inflation, and labor conditions. These reports can show whether those pressures are easing or growing.
Watch forThe November 6 jobs report shows stronger employment. The November 10 CPI report shows lower inflation.
Also watch forThe November 6 jobs report shows weaker employment. The November 10 CPI report shows higher inflation.
Why it matters: These loans were 37.9% of total loans in September. More growth could add risk in a large part of the loan book.
Worry ifThe next report shows named commercial real estate loans for non-owners above 38% of total loans.
Less concerning ifThat concentration falls below 37.9% of total loans.