Investor Relations

Peer Analysis

Performance Ratios (%) SMBC Peer Median Peer Average
ROAA 1.24 0.77 0.81
ROAE 11.89 8.37 8.23
Net Interest Margin 3.81 3.76 3.83
Efficiency Ratio 54.78 69.17 68.79
Loans / Deposits NA 94.14 88.65
Asset Quality Ratios (%)
NPAs / Assets 1.22 0.35 0.54
NCOs / Avg Loans 0.03 0.06 0.07
Reserves / Loans 1.14 0.98 0.86
Reserves / NPAs 79.28 119.14 143.55
Capital Ratios (%)
Tier 1 Capital 12.18 12.09 13.07
Tangible Equity / Tangible Assets 9.76 8.60 8.95
Total Equity / Total Assets 10.60 9.13 9.98
Market Ratios
Price / Earnings (x) 12.98 17.53 18.14
Price / Book (%) 146.16 121.05 124.91
Dividend Yield (%) 1.55 2.56 2.35
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 9/30/2018.

Peer financial data is as of 9/30/2018