Is SFNC or SMBC more undervalued in 2026?

CirclFi compares Simmons First National Corporat (SFNC) and Southern Missouri Bancorp, Inc. (SMBC) using 13 institutional-grade valuation models. SFNC has a Quality of Company score of 6.9/10 while SMBC scores 9.1/10.

Which is a better buy — SFNC or SMBC?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do SFNC and SMBC valuations compare?

SFNC at $21.48 and SMBC at $69.21 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

SFNC vs SMBC Valuation Comparison 2026 — Intrinsic Value Analysis

SFNC

Banks - Regional

Simmons First National Corporat

Quality

6.9

out of 10

Value Trap

SAFE

Price

$21.48

Last close

Models

11/13

Active

SMBC

Banks - Regional

Southern Missouri Bancorp, Inc.

Quality

9.1

out of 10

Value Trap

—

Price

$69.21

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	SFNC Fair Value	SFNC Upside	SMBC Fair Value	SMBC Upside
Bayesian DCF	Intrinsic	$17.71	-17.6%	$33.20	-52.0%
Earnings Power Value	Intrinsic	$18.89	-12.1%	$41.02	-40.7%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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SFNC vs SMBC — Which Stock Is More Undervalued?

SMBC scores higher with a 9.1/10 quality rating vs SFNC's 6.9/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Simmons First National Corporat (SFNC) and Southern Missouri Bancorp, Inc. (SMBC) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

SFNC currently trades at $21.48 with a QOC of 6.9/10, while SMBC trades at $69.21 with a QOC of 9.1/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).