Investor Relations

Peer Analysis

Performance Ratios (%) SMBC Peer Median Peer Average
ROAA 1.11 0.50 0.63
ROAE 11.11 5.65 6.35
Net Interest Margin 3.80 3.79 3.73
Efficiency Ratio 56.62 71.13 73.50
Loans / Deposits 97.75 95.87 87.46
Asset Quality Ratios (%)
NPAs / Assets 1.20 0.71 0.75
NCOs / Avg Loans 0.03 0.07 0.06
Reserves / Loans 1.12 0.97 0.91
Reserves / NPAs 77.74 86.44 119.40
Capital Ratios (%)
Tier 1 Capital 12.29 11.48 12.20
Tangible Equity / Tangible Assets 9.70 7.97 8.53
Total Equity / Total Assets 10.62 8.98 9.40
Market Ratios
Price / Earnings (x) 17.79 23.71 26.51
Price / Book (%) 182.43 134.64 133.43
Dividend Yield (%) 1.10 2.37 2.17
Data for trailing four quarters

Southern Missouri Bancorp, Inc.'s peer group consists of the following: First Bancshares, Inc. (FBSI), Guaranty Federal Bancshares, Inc. (GFED), Landmark Bancorp, Inc. (LARK), Mackinac Financial Corporation (MFNC), SB Financial Group, Inc. (SBFG), United Bancorp, Inc. (UBCP)

Southern Missouri Bancorp, Inc.'s financial data is as of 3/31/2018.

Peer financial data is as of 3/31/2018 except for these companies:

SB Financial Group, Inc.'s financial data is as of 6/30/2018.
First Bancshares, Inc.'s financial data is as of 6/30/2018.
Guaranty Federal Bancshares, Inc.'s financial data is as of 6/30/2018.