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Southern Missouri Bancorp, Inc. (SMBC)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$161.51 - $631.84$274.11
Multi-Stage$100.32 - $109.72$104.94
Blended Fair Value$189.52
Current Price$52.56
Upside260.58%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2025202420232022202120202019201820172016
DPS13.49%15.22%0.920.850.770.640.500.490.420.340.260.24
YoY Growth--8.94%10.36%19.99%28.51%1.54%15.75%24.46%28.38%11.44%6.28%
Dividend Yield--1.75%1.50%1.98%1.25%1.11%2.08%1.16%0.92%0.73%0.95%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)61.70
(-) Cash Dividends Paid (M)10.60
(=) Cash Retained (M)51.10
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)12.347.714.63
Cash Retained (M)51.1051.1051.10
(-) Cash Required (M)-12.34-7.71-4.63
(=) Excess Retained (M)38.7643.3846.47
(/) Shares Outstanding (M)11.2711.2711.27
(=) Excess Retained per Share3.443.854.12
LTM Dividend per Share0.940.940.94
(+) Excess Retained per Share3.443.854.12
(=) Adjusted Dividend4.384.795.07
WACC / Discount Rate8.36%8.36%8.36%
Growth Rate5.50%6.50%7.50%
Fair Value$161.51$274.11$631.84
Upside / Downside207.29%421.51%1,102.14%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)61.7065.7169.9874.5379.3884.5487.07
Payout Ratio17.19%31.75%46.31%60.87%75.44%90.00%92.50%
Projected Dividends (M)10.6020.8632.4145.3759.8876.0880.54

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate8.36%8.36%8.36%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)19.0719.2519.43
Year 2 PV (M)27.0927.6028.12
Year 3 PV (M)34.6635.6636.67
Year 4 PV (M)41.8243.4345.08
Year 5 PV (M)48.5850.9253.36
PV of Terminal Value (M)959.031,005.351,053.44
Equity Value (M)1,130.241,182.211,236.11
Shares Outstanding (M)11.2711.2711.27
Fair Value$100.32$104.94$109.72
Upside / Downside90.87%99.65%108.75%

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