Is SOUTHERN MISSOURI BANCORP, INC. (SMBC) Halal?
Shariah Screening — 5 Standards
Based on financial data from June 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 50.3% | |
| Net Margin | 35.7% | |
| Return on Equity (ROE) | 12.1% | |
| Return on Assets (ROA) | 1.3% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $82M |
| Free Cash Flow | $75M |
| Total Debt | $127M |
| Total Assets | $5.0B |
Price & Trading
| Last Close | $63.16 |
| 50-Day MA | $62.98 |
| 200-Day MA | $57.45 |
| Avg Volume | 56K |
| Beta | 1.0 |
|
52-Week Range
$45.10
| |
About SOUTHERN MISSOURI BANCORP, INC. (SMBC)
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 deposits products, including interest-bearing and noninterest-bearing transaction accounts, money market deposit accounts, saving accounts, certificates of deposit, and retirement savings plans. It also provides loans secured by mortgages on one- to four-family residences and commercial and agricultural real estate; construction loans on residential and commercial properties; commercial and agricultural business loans; and consumer loans. In addition, the company offers fiduciary and investment management services; commercial and consumer insurance products; and debit or credit cards. The company was founded in 1887 and is headquartered in Poplar Bluff, Missouri.
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Frequently Asked Questions
Is SOUTHERN MISSOURI BANCORP, INC. (SMBC) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), SOUTHERN MISSOURI BANCORP, INC. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is SOUTHERN MISSOURI BANCORP, INC.'s debt ratio?
SOUTHERN MISSOURI BANCORP, INC.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are SOUTHERN MISSOURI BANCORP, INC.'s key financial metrics?
SOUTHERN MISSOURI BANCORP, INC. has a market capitalization of $694M, trailing P/E ratio of 10.8, and revenue of $183M. Return on equity stands at 12.1%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.