Southern Missouri Bancorp, Inc.
SMBCFinancial Services · Stock · quarterly payer
Forward Yield
1.39%
Annual Dividend
$1.02
Payout Ratio
16%
5-Yr Growth
9.9%
Ex-Date
Aug 14, 2026
Frequency
Quarterly
Summary
As of September 2026, Southern Missouri Bancorp, Inc. (SMBC) yields 1.39% ($1.02 per share annually), with a blended fair-value estimate of $129.66 — +77% upside, so it screens as undervalued. Dividend safety grade: A (98/100). 14 years of dividend growth.
Is SMBC a good dividend stock?
YesSouthern Missouri Bancorp, Inc. (SMBC) pays a quarterly dividend yielding 1.39% ($1.02/yr), with 14 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- 14 consecutive years of dividend growth
- Never cut its dividend on record
- Comfortable payout ratio (16%)
- Strong 9.9% 5-yr dividend growth
- 63% total price return over 5 years
- Top-tier dividend safety score
Risks
- Single-stock concentration risk — diversify
Key Data
- Dividend Yield
- 1.39%
- Payout Ratio
- 16%
- Annual Dividend
- $1.02
- 5-Yr Avg Growth
- 9.9%
- Ex-Dividend Date
- Aug 14, 2026
- Years of Growth
- 14
- Frequency
- quarterly
- Beta
- 0.85
- Market Cap
- $806.7M
- P/E Ratio
- 11.4
- 5-Yr Total Return
- 63%
- 52-Week Range
- $47.60 – $79.86
- Dividend Safety
- A · 98/100
- Ever Cut?
- No
Frequently Asked Questions
SMBC Price — Last 12 Months
Daily close
Price Return
1 Year
+39%
3 Years
+89%
5 Years
+63%
52-Week Range
$47.60 – $79.86
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is SMBC worth?
Undervaluedlow confidenceOur blended fair-value estimate for Southern Missouri Bancorp, Inc. is $129.66 per share, versus a market price of $73.26. That implies 77% of upside — a margin of safety of about 43%.
Fair Value
$129.66
Current Price
$73.26
Upside
+77%
Margin of Safety
43%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about 3.4% annual free-cash-flow growth. We model 19.5% — below our estimate, leaving room for upside if the business executes.
Assumptions: 9.3% discount rate (CAPM), 19.5% stage-1 growth, 2.5% terminal growth, $6.42 EPS, $1.02 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
SMBC Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Aug 14, 2026 | — | $0.2700 | regular |
| May 15, 2026 | — | $0.2500 | regular |
| Feb 13, 2026 | — | $0.2500 | regular |
| Nov 14, 2025 | — | $0.2500 | regular |
| Aug 15, 2025 | — | $0.2500 | regular |
| May 15, 2025 | — | $0.2300 | regular |
| Feb 14, 2025 | — | $0.2300 | regular |
| Nov 15, 2024 | — | $0.2300 | regular |
| Aug 15, 2024 | — | $0.2300 | regular |
| May 14, 2024 | — | $0.2100 | regular |
| Feb 14, 2024 | — | $0.2100 | regular |
| Nov 14, 2023 | — | $0.2100 | regular |
| Aug 14, 2023 | — | $0.2100 | regular |
| May 12, 2023 | — | $0.2100 | regular |
Income Calculator
At $1.02 / yr per share
