Financial Institutions, Inc. (FISI) vs Southern Missouri Bancorp, Inc. (SMBC)
Financial Institutions, Inc. and Southern Missouri Bancorp, Inc. are both Banks Regional companies. Financial Institutions, Inc. and Southern Missouri Bancorp, Inc. are of similar size ($795.3M and $788.6M). Financial Institutions, Inc. trades at the lower P/E: 9.8× against 11.2×. Financial Institutions, Inc. grew revenue faster over the last twelve months: 46.3% against 3.74%. Southern Missouri Bancorp, Inc. has the higher net margin (22.6% vs 21.4%) and the lower return on invested capital (8.43% vs 10.0%). Both pay a dividend; Financial Institutions, Inc. yields more (6.57% vs 2.06%). Across the 20 metrics below, Financial Institutions, Inc. leads on 13 and Southern Missouri Bancorp, Inc. on 7.
Valuation
Profitability
| Metric | FISI | SMBC | Banks Regional median |
|---|---|---|---|
| Gross margin | 67.21% | 63.34% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 21.40% | 22.58% | 18.66% |
| Free cash flow margin | 14.85% | 24.74% | 21.18% |
| Return on equity | 13.41% | 12.60% | 10.64% |
| Return on assets | 1.30% | 1.39% | 1.13% |
| Return on invested capital | 10.00% | 8.43% | 8.33% |
Growth
Health
Dividend
Size
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