Southern Missouri Bancorp
Financial ratios & Valuation

Forward Multiples (2026 – 2026)

2026
Price/Earnings ratio
11.32
Price/Sales ratio
2.75
Earnings per Share (EPS)
$4.83

Historical Multiples (2015 – 2024)

2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 TTM Median
Valuation Ratios
Price/Earnings ratio
10.1111.7715.5216.2810.518.108.588.639.929.9813.2210.51
Price/Sales ratio
2.503.133.884.463.452.293.593.262.543.042.632.29
Price/Book Value ratio
1.041.381.391.691.270.861.421.260.871.021.291.27
Price/Cash Flow ratio
6.949.899.4211.127.875.547.826.046.277.139.927.87
Price/Free Cash Flow ratio
11.1122.2710.6811.959.836.208.286.486.958.1811.189.83
Price/Earnings Growth ratio
0.441.443.431.050.34-1.810.11N/A-0.380.682.460.34
Dividend Yield
1.96%1.60%1.23%1.12%1.56%2.46%1.38%1.76%2.21%1.90%1.52%2.46%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%166.17%100%100%
Operating Profit Margin
51.61%55.42%51.40%57.07%68.95%35.31%52.96%62.26%32.33%38.46%19.01%35.31%
Pretax Profit Margin
35.73%38.62%34.74%37.67%40.87%35.31%52.96%48.00%32.33%38.40%25.18%35.31%
Net Profit Margin
24.76%26.63%24.99%27.44%32.86%28.25%41.85%37.80%25.65%30.53%20.00%28.25%
Effective Tax Rate
30.70%31.03%28.04%27.15%19.59%20.00%20.97%21.26%20.67%20.48%20.57%19.59%
Return on Assets
1.05%1.05%0.91%1.10%1.30%1.08%1.74%1.46%0.89%1.08%1.04%1.08%
Return On Equity
10.30%11.78%8.98%10.42%12.12%10.66%16.64%14.70%8.79%10.26%10.18%10.66%
Return on Capital Employed
2.19%2.20%1.87%2.31%2.75%1.36%2.22%2.42%1.14%1.37%1.11%1.36%
Liquidity Ratios
Current Ratio
1.120.120.110.100.100.02N/AN/AN/AN/A8.560.10
Quick Ratio
2.42K3.75K3.28K217.4917.5022.7435.36160.2717.791.088.5622.74
Cash ratio
40.4271.6269.303.692.424.009.205.101.724.770.144.00
Days of Sales Outstanding
34.1736.0939.7138.2542.2845.3632.6332.33N/AN/A5.81K42.28
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A5.81KN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/A-43.19N/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/A43.195.81KN/A
Debt Ratios
Debt Ratio
0.060.080.030.050.020.030.010.010.030.020.020.03
Debt Equity Ratio
0.590.990.350.470.260.320.170.160.350.250.250.32
Long-term Debt to Capitalization
0.370.490.260.320.200.240.140.140.250.200.200.24
Total Debt to Capitalization
0.370.490.260.320.200.240.140.140.250.200.200.24
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A0.52N/A
Cash Flow to Debt Ratio
0.250.140.410.320.610.471.061.270.390.560.500.47
Company Equity Multiplier
9.8011.149.869.399.289.849.5210.029.779.439.359.28
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.360.310.410.400.430.410.450.530.400.420.260.41
Free Cash Flow / Operating Cash Flow Ratio
0.620.440.880.930.800.890.940.930.900.870.880.80
Cash Flow Coverage Ratio
0.250.140.410.320.610.471.061.270.390.560.500.47
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Dividend Payout Ratio
19.87%18.92%19.16%18.28%16.47%20.01%11.86%15.25%21.99%18.98%19.68%16.47%