S 
71.92
+2.07%
Close of 9 Nov 2026, in USD
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About Southern Missouri Bancorp
From its filings with the US Securities and Exchange Commission
Southern Missouri Bancorp is based in Poplar Bluff, Missouri and is incorporated in Missouri. Its shares trade on Nasdaq under the ticker SMBC. The SEC classifies its business as savings institutions, not federally chartered. In the fiscal year to 30 June 2026, it reported net income of $71.8m. At that date it held total assets of $5.24bn and shareholders' equity of $590.7m.
Company facts
- Sector
- Financials
- Industry
- Thrifts & Mortgage Finance
- Listed since
- 16 May 1957
- Employees
- 696
- Website
- investors.bankwithsouthern.com ↗
- Head office
- 2991 OAK GROVE ROAD, POPLAR BLUFF, MO, 63901
- Incorporated in
- MO
- Classification
- Savings Institutions, Not Federally Chartered
- Filer status
- Accelerated filer
Leadership
Pay as last reported
- Mr. Greg SteffensChairman of the Board, Chief Executive Officer$690,774
- Mr. Matthew FunkePresident, Chief Administrative Officer, since 2003$589,564
- Mr. L. Douglas BagbyNon-Executive Independent Vice Chairman of the Board, since 1997$56,596
- Mr. Stefan ChkautovichExecutive Vice President, Chief Financial Officer$437,221
- Ms. Kimberly CappsChief Operations Officer$254,553
- Mr. Justin CoxExecutive Vice President, Chief Banking Officer, since 2025$495,905
- Mr. Richard WindesExecutive Vice President, Chief Lending Officer$476,599
- Mr. Lance GreunkeChief Risk Officer
- Mr. Brett DortonChief Strategies Officer
- Mr. Mark HeckerChief Credit Officer$426,897
- Mr. Charles LoveCompany Secretary, Independent Director, since 2004$68,985
- Mr. William YoungDirector$54,168
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 31
- Environment
- 24
- Social
- 37
- Governance
- 34
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Southern Missouri Bancorp Inc (SMBC) has a strong presence in southern Missouri, with numerous branches and a large customer base. This extensive network provides them with a competitive advantage and allows for potential growth opportunities.
- The company has a solid financial performance and stability, with consistent revenue growth and profitability over the years. This demonstrates their ability to effectively manage their business operations and generate sustainable returns for shareholders.
- SMBC has a diverse portfolio of financial products and services, including personal and business banking, lending, investment options, and insurance. This diversified offering helps to attract customers from different segments and ensures multiple revenue streams.
Weaknesses
- One of the weaknesses for SMBC is its relatively small market presence compared to larger national or regional banks. This limited market share may pose challenges in terms of attracting and retaining customers, as well as competing against bigger players in the industry.
- The company may also face limitations in terms of technological advancements. As technology rapidly evolves in the banking sector, SMBC needs to continuously invest in upgrading its systems and digital infrastructure to remain competitive and meet customer expectations.
- There might also be a dependency on a specific geographic area for revenue generation. Any adverse economic conditions or events in the region could potentially impact SMBC's financial performance.
Opportunities
- There is potential for SMBC to expand its market presence by acquiring smaller banks or partnering with other financial institutions. This could help them enter new markets and increase their customer base, ultimately driving growth and profitability.
- Furthermore, technological advancements provide an opportunity for SMBC to enhance their digital banking capabilities and provide a seamless customer experience. Investing in digital solutions, such as mobile banking apps and online platforms, can attract tech-savvy customers and improve overall customer satisfaction.
- With the ongoing consolidation in the banking industry, SMBC may also explore potential merger or acquisition opportunities to gain market share and strengthen their position in the highly competitive landscape.
Threats
- Increased competition from larger national or regional banks is a significant threat for SMBC. These bigger players have greater resources and capabilities, allowing them to offer more competitive rates and services that could potentially lure customers away from SMBC.
- Rapid technological advancements pose a threat as well. If SMBC fails to keep up with changing customer preferences and expectations towards digital banking, they risk losing customers to more technologically advanced competitors.
- Economic downturns or financial crises can also pose risks to SMBC's financial stability, as they heavily rely on the local economy. Adverse economic conditions may lead to decreased lending activities, higher default rates, and potential loss of customers.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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