Southern Missouri Bancorp Inc Dossier
Outlook & Key Dates
Estimates, guidance, catalysts, and upcoming events
Analyst Estimates Learn more →
Analyst Coverage
3analysts covering
FY EPS (est.)
$6.73next fiscal year
Monitoring Framework
Key Performance Indicators
Net Interest Margin (NIM) Quarterly3.7%Target: Maintain above 3.50%
Tangible Book Value Per Share (TBVPS) Quarterly45.8Target: Consistent double-digit year-over-year growth
Allowance for Credit Losses (ACL) as % of Gross Loans Quarterly1.3%Target: Stable around 1.25% - 1.30%
Watch Items
- Agricultural Loan Portfolio QualityTrigger: Increase in nonperforming agricultural loans or elevated provision requirementsAction: Review underwriting standards and increase reserves specifically allocated to the agricultural sector.
- Funding Costs and CD MaturitiesTrigger: CD renewal rates exceeding 4.00% on the $1.1 billion maturing over the next 12 monthsAction: Optimize deposit mix and leverage lower-cost transaction accounts to mitigate net interest margin compression.
Research as of 19 Jun 2026