Great Southern Bancorp, Inc. (GSBC) vs SmartFinancial, Inc. (SMBK)

Great Southern Bancorp, Inc. and SmartFinancial, Inc. are both Banks Regional companies. Great Southern Bancorp, Inc. and SmartFinancial, Inc. are of similar size ($860.1M and $859.1M). Great Southern Bancorp, Inc. trades at the lower P/E: 13.0× against 14.7×. SmartFinancial, Inc. grew revenue faster over the last twelve months: 11.1% against −8.85%. Great Southern Bancorp, Inc. has the higher net margin (20.7% vs 17.1%) and the lower return on invested capital (10.5% vs 15.2%). Both pay a dividend; Great Southern Bancorp, Inc. yields more (3.23% vs 1.56%). Across the 20 metrics below, SmartFinancial, Inc. leads on 11 and Great Southern Bancorp, Inc. on 9.

Valuation

Metric GSBC SMBK Banks Regional median
P/E 13.00 14.71 12.15
P/S 2.64 2.53 2.37
P/B 1.34 1.47 1.21
Price to free cash flow 19.38 12.55 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.17 1.69 2.27
Earnings yield 7.69% 6.80% 8.11%
Free cash flow yield 5.16% 7.97% 8.98%

Profitability

Metric GSBC SMBK Banks Regional median
Gross margin 69.71% 63.90% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.72% 17.12% 18.66%
Free cash flow margin 13.64% 20.12% 21.18%
Return on equity 10.65% 10.47% 10.64%
Return on assets 1.18% 0.99% 1.13%
Return on invested capital 10.48% 15.22% 8.33%

Growth

Metric GSBC SMBK Banks Regional median
Revenue growth (TTM) (8.85%) 11.14% 6.61%
EPS growth (last fiscal year) 17.68% 39.25% —
Revenue growth, 5-year CAGR 6.28% 19.21% 12.30%
Net income growth, 5-year CAGR 3.65% 15.65% 9.71%

Health

Metric GSBC SMBK Banks Regional median
Debt to equity 0.04 0.17 0.22
Current ratio 0.93 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric GSBC SMBK Banks Regional median
Dividend yield 3.23% 1.56% 3.75%
Payout ratio 0.25 0.15 0.27

Size

Metric GSBC SMBK Banks Regional median
Market cap 859.05m 860.05m 921.07m

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