Southern Missouri Bancorp, Inc. cash flow to debt ratio of 49.07% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

Southern Missouri Bancorp, Inc.'s free cash flow has increased 22.99% from $61.22M last year to $75.29M, signaling increasing performance

Southern Missouri Bancorp, Inc.'s debt to equity ratio is 0.25, which means that the company's assets are healthy financed, signaling financial stability.

Southern Missouri Bancorp, Inc.'s debt has decreased relative to shareholder equity from 0.26 last year to 0.25 today, signaling strengthened financials

Southern Missouri Bancorp, Inc. has a net cash position, so leverage is healthy.

Southern Missouri Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Southern Missouri Bancorp, Inc.'s profit margin has increased (21.57%) in the last year from 19.10% to 23.23%, signaling increasing performance

Southern Missouri Bancorp, Inc.'s short-term liabilities of $4.43B exceed its short-term assets of $543.53M, signaling financial risk

Southern Missouri Bancorp, Inc.'s return on assets of 1.37% is lower than the 5.00% threshold, indicating inefficient asset utilization

Southern Missouri Bancorp, Inc.'s return on equity of 12.54%, is lower than 15.00%, indicating bad performance

Southern Missouri Bancorp, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Southern Missouri Bancorp, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Southern Missouri Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Southern Missouri Bancorp, Inc. has a free cash flow yield of 8.94%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Southern Missouri Bancorp, Inc.'s yearly earnings has increased 23.19% since last year from $58.31M to $71.84M, signaling increasing performance

Southern Missouri Bancorp, Inc.'s yearly revenue has increased 3.70% since last year from $305.25M to $316.54M, signaling increasing performance

ROIC 11.71% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.

Southern Missouri Bancorp, Inc.'s 3-year revenue CAGR of 16.03% is positive, indicating growing revenue over the past 3 years

Southern Missouri Bancorp, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Southern Missouri Bancorp, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Southern Missouri Bancorp, Inc. is undervalued relative to its fair value price of 124.89 based on Discounted Cash Flow model

Southern Missouri Bancorp, Inc. has an earnings yield of 8.57%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Southern Missouri Bancorp, Inc. is overvalued relative to its fair value price of 57.52 based on EBITDA multiple model

Southern Missouri Bancorp, Inc. has an EV/EBITDA ratio of 5.36x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Southern Missouri Bancorp, Inc. is undervalued relative to its fair value price of 135.01 based on Earnings Fair Value model

Southern Missouri Bancorp, Inc. has a PEG-ratio over 1 which is considered overvalued

Southern Missouri Bancorp, Inc. has a price-to-book ratio of 1.42x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Southern Missouri Bancorp, Inc. has a price-to-sales ratio of 2.71x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue