Southern Missouri Bancorp, Inc. Logo

Southern Missouri Bancorp, Inc.

SMBC

(3.8)
Stock Price

56,91 USD

0.97% ROA

9.59% ROE

13x PER

Market Cap.

558.549.355,00 USD

30.21% DER

1.7% Yield

23.03% NPM

Southern Missouri Bancorp, Inc. Stock Analysis

Southern Missouri Bancorp, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Southern Missouri Bancorp, Inc. Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (30%), which means it has a small amount of debt compared to the ownership it holds

2 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

3 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

4 Dividend Growth

The company has demonstrated exceptional dividend growth over the past five years, consistently increasing payouts to shareholders year after year.

5 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

6 ROE

ROE in an average range (10.23%) suggests satisfactory profitability and decent utilization of shareholders' equity.

7 ROA

The stock's ROA (0.97%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

8 PBV

The stock's PBV ratio (1.12x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

9 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

10 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (197) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

11 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

Southern Missouri Bancorp, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Southern Missouri Bancorp, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Southern Missouri Bancorp, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Southern Missouri Bancorp, Inc. Revenue
Year Revenue Growth
1995 5.000.000
1996 5.300.000 5.66%
1997 5.700.000 7.02%
1998 6.000.000 5%
1999 6.500.000 7.69%
2000 5.939.125 -9.44%
2001 8.117.879 26.84%
2002 9.727.872 16.55%
2003 10.699.007 9.08%
2004 11.029.992 3%
2005 11.565.325 4.63%
2006 11.743.741 1.52%
2007 12.135.889 3.23%
2008 14.192.010 14.49%
2009 15.916.721 10.84%
2010 19.410.453 18%
2011 27.268.452 28.82%
2012 33.085.000 17.58%
2013 33.258.000 0.52%
2014 39.118.000 14.98%
2015 55.194.000 29.13%
2016 55.739.000 0.98%
2017 62.209.000 10.4%
2018 76.253.000 18.42%
2019 87.953.000 13.3%
2020 97.492.000 9.78%
2021 112.728.000 13.52%
2022 124.771.000 9.65%
2023 152.949.000 18.42%
2024 164.988.000 7.3%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Southern Missouri Bancorp, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Southern Missouri Bancorp, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1995 1.900.000
1996 2.100.000 9.52%
1997 2.200.000 4.55%
1998 2.500.000 12%
1999 2.200.000 -13.64%
2000 2.205.770 0.26%
2001 2.618.465 15.76%
2002 2.997.782 12.65%
2003 3.240.085 7.48%
2004 3.408.432 4.94%
2005 3.510.841 2.92%
2006 3.685.388 4.74%
2007 4.006.971 8.03%
2008 4.428.909 9.53%
2009 5.118.068 13.47%
2010 7.263.602 29.54%
2011 8.913.422 18.51%
2012 10.053.870 11.34%
2013 10.984.152 8.47%
2014 13.294.618 17.38%
2015 19.091.000 30.36%
2016 19.049.000 -0.22%
2017 20.648.000 7.74%
2018 24.548.000 15.89%
2019 27.812.000 11.74%
2020 36.731.000 24.28%
2021 38.647.000 4.96%
2022 44.447.000 13.05%
2023 48.365.000 8.1%
2024 52.796.000 8.39%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Southern Missouri Bancorp, Inc. EBITDA
Year EBITDA Growth
1995 7.100.000
1996 8.700.000 18.39%
1997 8.200.000 -6.1%
1998 8.100.000 -1.23%
1999 9.100.000 10.99%
2000 9.192.848 1.01%
2001 12.553.938 26.77%
2002 12.797.828 1.91%
2003 12.849.542 0.4%
2004 12.215.723 -5.19%
2005 8.927.167 -36.84%
2006 15.858.511 43.71%
2007 18.653.073 14.98%
2008 19.818.050 5.88%
2009 17.631.567 -12.4%
2010 18.210.559 3.18%
2011 29.762.899 38.81%
2012 25.993.166 -14.5%
2013 23.091.001 -12.57%
2014 23.495.637 1.72%
2015 31.731.000 25.95%
2016 34.433.000 7.85%
2017 35.873.000 4.01%
2018 48.099.000 25.42%
2019 65.725.000 26.82%
2020 39.986.000 -64.37%
2021 61.100.000 34.56%
2022 79.125.000 22.78%
2023 52.096.000 -51.88%
2024 70.624.000 26.23%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Southern Missouri Bancorp, Inc. Gross Profit
Year Gross Profit Growth
1995 5.000.000
1996 5.300.000 5.66%
1997 5.700.000 7.02%
1998 6.000.000 5%
1999 6.500.000 7.69%
2000 5.939.125 -9.44%
2001 8.117.879 26.84%
2002 9.727.872 16.55%
2003 10.699.007 9.08%
2004 11.029.992 3%
2005 11.565.325 4.63%
2006 11.743.741 1.52%
2007 12.135.889 3.23%
2008 14.192.010 14.49%
2009 15.916.721 10.84%
2010 19.410.453 18%
2011 27.268.452 28.82%
2012 33.085.000 17.58%
2013 33.258.000 0.52%
2014 39.118.000 14.98%
2015 55.194.000 29.13%
2016 55.739.000 0.98%
2017 62.209.000 10.4%
2018 76.253.000 18.42%
2019 87.953.000 13.3%
2020 97.492.000 9.78%
2021 112.728.000 13.52%
2022 124.771.000 9.65%
2023 152.949.000 18.42%
2024 164.988.000 7.3%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Southern Missouri Bancorp, Inc. Net Profit
Year Net Profit Growth
1995 1.200.000
1996 1.500.000 20%
1997 1.100.000 -36.36%
1998 1.100.000 0%
1999 1.600.000 31.25%
2000 1.320.169 -21.2%
2001 1.548.602 14.75%
2002 2.308.903 32.93%
2003 2.738.218 15.68%
2004 2.882.901 5.02%
2005 104.259 -2665.13%
2006 2.784.166 96.26%
2007 2.928.413 4.93%
2008 3.613.480 18.96%
2009 3.835.077 5.78%
2010 4.625.588 17.09%
2011 11.470.031 59.67%
2012 10.098.000 -13.59%
2013 10.067.000 -0.31%
2014 10.081.000 0.14%
2015 13.668.000 26.24%
2016 14.848.000 7.95%
2017 15.552.000 4.53%
2018 20.926.000 25.68%
2019 28.905.000 27.6%
2020 27.545.000 -4.94%
2021 47.181.000 41.62%
2022 47.166.000 -0.03%
2023 39.236.000 -20.21%
2024 52.604.000 25.41%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Southern Missouri Bancorp, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 1 0%
2004 1 0%
2005 0 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 3 100%
2012 2 -100%
2013 1 0%
2014 2 0%
2015 2 0%
2016 2 0%
2017 2 50%
2018 2 0%
2019 3 33.33%
2020 3 0%
2021 5 40%
2022 5 0%
2023 4 -66.67%
2024 5 25%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Southern Missouri Bancorp, Inc. Free Cashflow
Year Free Cashflow Growth
1995 1.900.000
1996 2.100.000 9.52%
1997 1.500.000 -40%
1998 2.000.000 25%
1999 2.000.000 0%
2000 1.259.031 -58.85%
2001 887.772 -41.82%
2002 1.726.493 48.58%
2003 3.609.300 52.17%
2004 3.964.506 8.96%
2005 -2.128.180 286.29%
2006 2.958.209 171.94%
2007 3.692.957 19.9%
2008 3.644.012 -1.34%
2009 6.301.252 42.17%
2010 3.622.283 -73.96%
2011 13.335.398 72.84%
2012 3.811.477 -249.87%
2013 7.698.896 50.49%
2014 7.854.639 1.98%
2015 12.442.000 36.87%
2016 7.850.000 -58.5%
2017 22.584.000 65.24%
2018 28.506.000 20.77%
2019 30.905.000 7.76%
2020 35.997.000 14.15%
2021 48.906.000 26.4%
2022 62.725.000 22.03%
2023 55.984.000 -12.04%
2024 14.205.000 -294.11%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Southern Missouri Bancorp, Inc. Operating Cashflow
Year Operating Cashflow Growth
1995 2.100.000
1996 2.300.000 8.7%
1997 1.900.000 -21.05%
1998 2.400.000 20.83%
1999 2.300.000 -4.35%
2000 2.193.395 -4.86%
2001 2.536.320 13.52%
2002 3.053.033 16.92%
2003 4.564.823 33.12%
2004 4.485.486 -1.77%
2005 3.720.084 -20.57%
2006 4.647.470 19.95%
2007 4.040.772 -15.01%
2008 3.878.663 -4.18%
2009 6.857.295 43.44%
2010 4.753.537 -44.26%
2011 14.474.655 67.16%
2012 8.038.659 -80.06%
2013 15.255.721 47.31%
2014 13.535.530 -12.71%
2015 19.918.000 32.04%
2016 17.668.000 -12.73%
2017 25.618.000 31.03%
2018 30.644.000 16.4%
2019 38.601.000 20.61%
2020 40.301.000 4.22%
2021 51.762.000 22.14%
2022 67.342.000 23.14%
2023 62.023.000 -8.58%
2024 14.205.000 -336.63%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Southern Missouri Bancorp, Inc. Capital Expenditure
Year Capital Expenditure Growth
1995 200.000
1996 200.000 0%
1997 400.000 50%
1998 400.000 0%
1999 300.000 -33.33%
2000 934.364 67.89%
2001 1.648.548 43.32%
2002 1.326.540 -24.27%
2003 955.523 -38.83%
2004 520.980 -83.41%
2005 5.848.264 91.09%
2006 1.689.261 -246.2%
2007 347.815 -385.68%
2008 234.651 -48.23%
2009 556.043 57.8%
2010 1.131.254 50.85%
2011 1.139.257 0.7%
2012 4.227.182 73.05%
2013 7.556.825 44.06%
2014 5.680.891 -33.02%
2015 7.476.000 24.01%
2016 9.818.000 23.85%
2017 3.034.000 -223.6%
2018 2.138.000 -41.91%
2019 7.696.000 72.22%
2020 4.304.000 -78.81%
2021 2.856.000 -50.7%
2022 4.617.000 38.14%
2023 6.039.000 23.55%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Southern Missouri Bancorp, Inc. Equity
Year Equity Growth
1995 27.000.000
1996 26.200.000 -3.05%
1997 26.400.000 0.76%
1998 24.100.000 -9.54%
1999 22.600.000 -6.64%
2000 21.456.587 -5.33%
2001 23.582.488 9.01%
2002 24.511.205 3.79%
2003 25.108.437 2.38%
2004 25.952.418 3.25%
2005 25.003.499 -3.8%
2006 26.554.227 5.84%
2007 28.714.239 7.52%
2008 30.471.649 5.77%
2009 42.008.338 27.46%
2010 45.649.198 7.98%
2011 55.732.108 18.09%
2012 94.728.000 41.17%
2013 101.834.000 6.98%
2014 111.111.000 8.35%
2015 132.643.000 16.23%
2016 125.966.000 -5.3%
2017 173.083.000 27.22%
2018 200.694.000 13.76%
2019 238.392.000 15.81%
2020 258.347.000 7.72%
2021 283.423.000 8.85%
2022 320.772.000 11.64%
2023 446.058.000 28.09%
2024 453.929.000 1.73%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Southern Missouri Bancorp, Inc. Assets
Year Assets Growth
1995 148.300.000
1996 159.800.000 7.2%
1997 160.400.000 0.37%
1998 155.900.000 -2.89%
1999 165.000.000 5.52%
2000 184.391.168 10.52%
2001 240.494.033 23.33%
2002 266.287.589 9.69%
2003 279.454.658 4.71%
2004 311.892.742 10.4%
2005 330.359.628 5.59%
2006 350.683.728 5.8%
2007 379.926.795 7.7%
2008 417.820.383 9.07%
2009 465.896.636 10.32%
2010 552.083.707 15.61%
2011 688.200.382 19.78%
2012 739.189.000 6.9%
2013 796.396.000 7.18%
2014 1.021.422.000 22.03%
2015 1.300.064.000 21.43%
2016 1.403.910.000 7.4%
2017 1.707.712.000 17.79%
2018 1.886.115.000 9.46%
2019 2.214.402.000 14.83%
2020 2.542.157.000 12.89%
2021 2.700.530.000 5.86%
2022 3.214.782.000 16%
2023 4.360.211.000 26.27%
2024 4.470.033.000 2.46%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Southern Missouri Bancorp, Inc. Liabilities
Year Liabilities Growth
1995 121.300.000
1996 133.600.000 9.21%
1997 134.000.000 0.3%
1998 131.800.000 -1.67%
1999 142.400.000 7.44%
2000 162.934.581 12.6%
2001 216.911.545 24.88%
2002 241.776.384 10.28%
2003 254.346.221 4.94%
2004 285.940.324 11.05%
2005 305.356.129 6.36%
2006 324.129.501 5.79%
2007 351.212.556 7.71%
2008 387.348.734 9.33%
2009 423.888.298 8.62%
2010 506.434.509 16.3%
2011 632.468.274 19.93%
2012 644.461.000 1.86%
2013 694.562.000 7.21%
2014 910.311.000 23.7%
2015 1.167.421.000 22.02%
2016 1.277.944.000 8.65%
2017 1.534.629.000 16.73%
2018 1.685.421.000 8.95%
2019 1.976.010.000 14.71%
2020 2.283.810.000 13.48%
2021 2.417.107.000 5.51%
2022 2.894.010.000 16.48%
2023 156.619.000 -1747.8%
2024 137.144.000 -14.2%

Southern Missouri Bancorp, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
14.19
Net Income per Share
3.79
Price to Earning Ratio
13x
Price To Sales Ratio
3.49x
POCF Ratio
8.04
PFCF Ratio
8.79
Price to Book Ratio
1.22
EV to Sales
3.79
EV Over EBITDA
7.36
EV to Operating CashFlow
8.77
EV to FreeCashFlow
9.55
Earnings Yield
0.08
FreeCashFlow Yield
0.11
Market Cap
0,56 Bil.
Enterprise Value
0,61 Bil.
Graham Number
58.57
Graham NetNet
275.82

Income Statement Metrics

Net Income per Share
3.79
Income Quality
1.62
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.79
EBT Per Ebit
0.79
Ebit per Revenue
0.37
Effective Tax Rate
0.21

Margins

Sales, General, & Administrative to Revenue
0.32
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.37
Pretax Profit Margin
0.29
Net Profit Margin
0.23

Dividends

Dividend Yield
0.02
Dividend Yield %
1.7
Payout Ratio
0.21
Dividend Per Share
0.84

Operating Metrics

Operating Cashflow per Share
6.13
Free CashFlow per Share
5.63
Capex to Operating CashFlow
-0.08
Capex to Revenue
-0.04
Capex to Depreciation
-0.67
Return on Invested Capital
0.1
Return on Tangible Assets
0.01
Days Sales Outstanding
8372.66
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0.04
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.5

Balance Sheet

Cash per Share
43,80
Book Value per Share
40,22
Tangible Book Value per Share
376.82
Shareholders Equity per Share
40.22
Interest Debt per Share
17.99
Debt to Equity
0.3
Debt to Assets
0.03
Net Debt to EBITDA
0.58
Current Ratio
0
Tangible Asset Value
4,25 Bil.
Net Current Asset Value
0,36 Bil.
Invested Capital
0.3
Working Capital
0,49 Bil.
Intangibles to Total Assets
0.02
Average Receivables
1,85 Bil.
Average Payables
0,02 Bil.
Average Inventory
0
Debt to Market Cap
0.25

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Southern Missouri Bancorp, Inc. Dividends
Year Dividends Growth
1995 0
1996 1 0%
1997 1 0%
1998 1 0%
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%

Southern Missouri Bancorp, Inc. Profile

About Southern Missouri Bancorp, Inc.

Southern Missouri Bancorp, Inc. operates as the bank holding company for Southern Bank that provides banking and financial services to individuals and corporate customers in the United States. The company offers business banking, business financing, and business services. It also provides personal banking services, which include online and mobile banking, checking and savings, mortgage and refinance, and loans and credit services. In addition, the company offers investing and insurance services. Further, it provides accounts and digital banking services; and debit or credit cards. As of June 30, 2021, the company operated 46 full-service branch offices, and two limited-service branch offices located in Poplar Bluff, Van Buren, Dexter, Kennett, Doniphan, Sikeston, Qulin, Matthews, Springfield, Thayer, West Plains, Alton, Clever, Forsyth, Fremont Hills, Kimberling City, Ozark, Nixa, Rogersville, Marshfield, Cape Girardeau, Jackson, Gideon, Chaffee, Benton, Advance, Bloomfield, Essex, and Rolla, Missouri; Jonesboro, Paragould, Batesville, Searcy, Bald Knob, Bradford, and Cabot, Arkansas; and Anna, Cairo, and Tamms, Illinois. Southern Missouri Bancorp, Inc. was founded in 1887 and is headquartered in Poplar Bluff, Missouri.

CEO
Mr. Greg A. Steffens
Employee
665
Address
2991 Oak Grove Road
Poplar Bluff, 63901

Southern Missouri Bancorp, Inc. Executives & BODs

Southern Missouri Bancorp, Inc. Executives & BODs
# Name Age
1 Mr. Charles R. Love CPA
Independent Director & Secretary
70
2 Mr. Matthew T. Funke
President & Chief Administrative Officer
70
3 Mr. Daniel L. Jones
Market Chairman, Executive Vice President & Director
70
4 Mr. Justin G. Cox
Executive Vice President & Regional President of Southern Bank West Region
70
5 Mr. Stefan Chkautovich
Executive Vice President, Chief Financial Officer & Principal Accounting Officer
70
6 Ms. Lorna Brannum
Investor Relations Contact & Executive Secretary
70
7 Mr. Greg A. Steffens
Chairman & Chief Executive Officer
70
8 Mr. Mark E. Hecker
Executive Vice President & Chief Credit Officer
70
9 Mr. Richard A. Windes
Executive Vice President & Chief Lending Officer
70
10 Ms. Kimberly A. Capps
Executive Vice President & Chief Operating Officer
70

Southern Missouri Bancorp, Inc. Competitors