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SMBC
Volume: 36.33K
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SMBC Stock Forecast & Price Target

SMBC Analyst Ratings

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

Bulls say

Southern Missouri Bancorp reported a robust increase in loan balances, achieving a 6% growth quarter over quarter, primarily driven by construction and development loans, as well as single-family residential loans, which saw increases of 48% and 10%, respectively. The company also experienced significant deposit growth of 17% quarter over quarter, indicating broad-based interest from various account types, while credit stability and improved liquidity were noted as deposit growth outpaced loan growth. Despite a slight reduction in the FY26 earnings estimate due to higher provisions and lower fees, the overall outlook remains positive with projected earnings per share growth resuming in 2025 and accelerating further in 2026, with management emphasizing the potential for future net interest income growth.

Bears say

Southern Missouri Bancorp's outlook is negatively affected by anticipated loan growth that is expected to decline to roughly half of Q2's rate, leading to modest net interest margin (NIM) compression and a reduction in the company's net interest income (NII) forecast for FY26. The significant reliance on residential and agricultural lending—accounting for approximately 34% of total loans—exposes the bank to economic downturns and fluctuations in commodity prices, which could further exacerbate credit risks. Additionally, the bank's liability-sensitive position raises concerns over potential increases in interest expenses amidst rising rates, alongside declining bank card interchange fees, which may pressure overall financial performance.

SMBC has been analyzed by 3 analysts, with a consensus rating of Buy. 0% of analysts recommend a Strong Buy, 67% recommend Buy, 33% 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 Buy based on their latest research and market trends.

According to 3 analysts, SMBC has a Buy consensus rating as of Jul 26, 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 $64.67, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $64.67, 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: 36.33K

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