
SMBC Stock Forecast & Price Target
SMBC Analyst Ratings
Bulls say
Southern Missouri Bancorp demonstrated a robust financial performance with end-of-period (EOP) loan balances increasing by 6% quarter-over-quarter, surpassing forecasts due to significant growth in both construction and development loans and single-family residential loans. The company experienced strong deposit growth of 17% during the same period, indicating broad-based interest across various account types, which contributed to improved liquidity as deposit growth outpaced loan growth. Additionally, the outlook for earnings per share (EPS) growth is positive, with projected increases in net interest income for fiscal year 2025 supporting future profitability, despite anticipated credit normalization.
Bears say
Southern Missouri Bancorp's outlook appears negative due to anticipated loan growth in the upcoming quarter that is expected to be half of that seen in Q2, contributing to potential margin pressure and diminishing net interest income. The company's net interest margin (NIM) is forecasted to experience modest compression, which could further impact the financial performance amidst increased liquidity and deposit competition. Additionally, the bank's heavy reliance on its residential loan portfolio and agriculture lending exposes it to risks related to economic downturns and fluctuations in commodity prices, which could adversely affect overall earnings and financial stability.
This aggregate rating is based on analysts' research of Southern Missouri Bancorp and is not a guaranteed prediction by Public.com or investment advice.
SMBC Analyst Forecast & Price Prediction
Start investing in SMBC
Order type
Buy in
Order amount
Est. shares
0 shares