Southern Missouri Bancorp, Inc.: Investment Report

Overview

Southern Missouri Bancorp, Inc. (SMBC) is a bank holding company operating in the financial services sector, with a market capitalization of $622.52 million. As a regional bank, SMBC provides a range of services including banking, lending, and insurance to individuals and corporate customers in the United States. With a strong history dating back to 1887, SMBC has established itself as a respected player in the banking industry. This report provides an in-depth analysis of SMBC's current performance, growth prospects, and future potential, making it an essential read for investors seeking to capitalize on opportunities in the financial sector.

Core Metrics

• Current price: $55.20 USD
• 52-week high: $59.67 USD
• 52-week low: $37.74 USD
• Market Cap: $622.53 million USD
• P/E Ratio: 12.52
• Earnings per Share: $4.41
• 50-day average: $52.12
• 200-day average: $46.21
• Analyst Recommendations: Buy (3 analysts)

Financial Performance

SMBC's financial performance has been stable, with a total cash balance of $61.39 million and an operating cash flow of $70.27 million. The company's revenue growth rate, although slightly negative at -0.054, is expected to rebound as the banking industry continues to recover from the pandemic. SMBC's banking services, including interest-bearing and noninterest-bearing transaction accounts, money market deposit accounts, and saving accounts, provide a stable source of revenue. The company's lending services, including residential mortgage, commercial real estate, construction, and commercial business loans, offer growth potential.

Growth Prospects

SMBC's growth prospects are positive, driven by the increasing demand for banking and financial services in the United States. The company's expansion into new markets and its commitment to digital transformation are expected to drive growth in the coming years. Additionally, SMBC's focus on providing high-quality customer service and its strong community involvement are likely to attract new customers and retain existing ones.

News and Updates

Recent news articles have highlighted the growth of the aviation industry, with companies such as Avolon and ZeroAvia raising capital for electric jet engine development. This growth is expected to have a positive impact on SMBC's aviation-related lending business. Furthermore, WestJet's acquisition of three Boeing 737 MAX 8s from SMBC Aviation Capital demonstrates the company's strength in the aircraft leasing market.

Upgrades and Downgrades

Piper Sandler upgraded SMBC to Overweight in July 2020, citing the company's strong financial performance and growth potential. Keefe, Bruyette & Woods has maintained a Market Perform rating on SMBC, highlighting the company's stable financial performance and commitment to digital transformation.

Summary

In summary, Southern Missouri Bancorp, Inc. is a stable and growing bank holding company with a strong history and a commitment to digital transformation. With a positive analyst recommendations and a stable financial performance, SMBC is an attractive investment opportunity for those seeking to capitalize on the growth of the financial sector. Key takeaways from this report include SMBC's stable financial performance, growth potential in the banking and aviation industries, and a positive analyst outlook.

Disclosures

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