Is SFST or SMBC more undervalued in 2026?

CirclFi compares Southern First Bancshares, Inc. (SFST) and Southern Missouri Bancorp, Inc. (SMBC) using 13 institutional-grade valuation models. SFST has a Quality of Company score of 8.3/10 while SMBC scores 9.1/10.

Which is a better buy — SFST 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 SFST and SMBC valuations compare?

SFST at $57.81 and SMBC at $69.21 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

SFST vs SMBC Valuation Comparison 2026 — Intrinsic Value Analysis

SFST

Banks - Regional

Southern First Bancshares, Inc.

Quality

8.3

out of 10

Value Trap

SAFE

Price

$57.81

Last close

Models

10/13

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	SFST Fair Value	SFST Upside	SMBC Fair Value	SMBC Upside
Bayesian DCF	Intrinsic	$52.77	-8.7%	$33.20	-52.0%
Earnings Power Value	Intrinsic	$67.90	+17.5%	$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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SFST vs SMBC — Which Stock Is More Undervalued?

SMBC scores higher with a 9.1/10 quality rating vs SFST's 8.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Southern First Bancshares, Inc. (SFST) 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.

SFST currently trades at $57.81 with a QOC of 8.3/10, 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).