Security Midwest Bancorp, Inc. (SBMW) stock analysis
Close on Oct 19, 2026Market cap $14.97MP/E 41.9Yield –
StockData Score
Prices as of Nov 11, 2026How the score works
Weak1 of 30 checks passed
Security Midwest Bancorp passes 1 of the 30 checks behind our score; 22 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.
- Valuation
- 0/6
- Growth
- 0/6
- Past performance
- 0/6
- Financial health
- 1/6
- Dividend
- 0/6
What stands out
Well capitalized
Equity is 9.7% of total assets; 8% or more is a comfortable cushion.
What to watch
Growing slower than the industry
Revenue grew 4.4% over the last twelve months; the Savings Institutions median is 9.0%.
Return on assets under 1%
Return on assets was 0.2%; for a bank or insurer, 1% or more is considered good.
Return on equity below the industry
Security Midwest Bancorp's return on equity of 1.8% is below the Savings Institutions median of 6.1%.
Net margin below the industry
Security Midwest Bancorp's net margin of 3.5% is below the Savings Institutions median of 20.3%.
Valuation0/6
P/E against its history
Not enough price and earnings history to compare.
P/E against the industry
Needs positive earnings and enough profitable companies in the industry.
P/S against the industry
Not enough revenue data to compare.
P/B against the industry
Needs positive book value.
Price against fair value
We could not estimate a fair value: it needs at least two valuation methods with positive inputs.
Margin of safety
Depends on the fair value estimate.
Growth0/6
Revenue growth over 3 years
Needs three years of positive revenue.
EPS growth over 3 years
Needs positive EPS three years ago and today.
Earnings acceleration
Needs positive net income now, a year ago and five years ago.
Growing slower than the industry
Revenue grew 4.4% over the last twelve months; the Savings Institutions median is 9.0%.
Company guidance
No outlook found in earnings releases from the last twelve months.
Gross margin trend
Banks and insurers do not report gross profit.
Past performance0/6
Return on equity
Needs positive equity and five years of results.
Return on assets under 1%
Return on assets was 0.2%; for a bank or insurer, 1% or more is considered good.
Return on equity below the industry
Security Midwest Bancorp's return on equity of 1.8% is below the Savings Institutions median of 6.1%.
Earnings over 5 years
Needs positive net income five years ago and in the latest year.
Net margin against its history
Needs five years of revenue and net income.
Net margin below the industry
Security Midwest Bancorp's net margin of 3.5% is below the Savings Institutions median of 20.3%.
Financial health1/6
Well capitalized
Equity is 9.7% of total assets; 8% or more is a comfortable cushion.
Loans funded by deposits
Needs loans and deposits.
Adequate loan-loss reserve
The allowance for credit losses is not reported.
High cost base
Non-interest expense takes 93.7% of revenue; under 60% is efficient for a bank.
Deposits shrinking
Deposits fell 5.7% over the past year.
Borrowings
Needs debt and equity figures.
Dividend0/6
No dividend
Security Midwest Bancorp has not paid a dividend in the last twelve months.
Yield against Treasuries
No dividend.
Yield against the market
No dividend.
Dividend stability
No dividend.
Earnings cover
No dividend.
Cash-flow cover
No dividend.
Fair value
How we estimate itWe don't publish a fair value for Security Midwest Bancorp. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.
Valuation over time
Using the earnings and balance sheet published at each date, not today's.
An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.
Margins
Share of revenue, fiscal years 2023 to 2025
Net margin
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +3.7% | – | – | – | |
| Net income | -56.3% | – | – | – | |
| Free cash flow | +85.9% | – | – | – |
Returns and balance sheet
3 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2023 | FY2023 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | – | 1.6% | |
| Capex to revenue | – | – | 4.9% |
Cash use needs five years of cash flow figures
Security Midwest Bancorp does not report operating cash flow and capital expenditure for each of the last five fiscal years.
DuPont analysis
Return on equity split into margin, efficiency and leverage
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 3.1% | 0.04× | 12.88× | 1.6% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
- ProfitableNet income above zero$298.73K
- Cash generatingOperating cash flow above zero$2.62M
- Return on assets improvedROA up on the prior year– → 0.1%
- Earnings backed by cashOperating cash flow above net income$2.62M vs $298.73K
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise– → 1M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose– → 0.04
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