HomeTrust Bancshares, Inc. (HTB) vs Southern Missouri Bancorp, Inc. (SMBC)

HomeTrust Bancshares, Inc. and Southern Missouri Bancorp, Inc. are both Banks Regional companies. HomeTrust Bancshares, Inc. and Southern Missouri Bancorp, Inc. are of similar size ($795.3M and $763.4M). Southern Missouri Bancorp, Inc. trades at the lower P/E: 11.2× against 12.0×. Southern Missouri Bancorp, Inc. grew revenue faster over the last twelve months: 3.74% against −1.99%. Southern Missouri Bancorp, Inc. has the higher net margin (22.6% vs 22.5%) and the lower return on invested capital (8.43% vs 10.5%). Both pay a dividend; Southern Missouri Bancorp, Inc. yields more (2.06% vs 1.58%). Across the 20 metrics below, HomeTrust Bancshares, Inc. leads on 10 and Southern Missouri Bancorp, Inc. on 10.

Valuation

Metric HTB SMBC Banks Regional median
P/E 12.00 11.20 12.15
P/S 2.61 2.53 2.37
P/B 1.25 1.36 1.21
Price to free cash flow 7.79 10.24 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.23 2.71 2.27
Earnings yield 8.34% 8.93% 8.11%
Free cash flow yield 12.83% 9.77% 8.98%

Profitability

Metric HTB SMBC Banks Regional median
Gross margin 74.97% 63.34% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.50% 22.58% 18.66%
Free cash flow margin 33.46% 24.74% 21.18%
Return on equity 11.02% 12.60% 10.64%
Return on assets 1.44% 1.39% 1.13%
Return on invested capital 10.48% 8.43% 8.33%

Growth

Metric HTB SMBC Banks Regional median
Revenue growth (TTM) (1.99%) 3.74% 6.61%
EPS growth (last fiscal year) 16.25% 24.13% —
Revenue growth, 5-year CAGR 11.91% 19.59% 12.30%
Net income growth, 5-year CAGR 23.30% 8.75% 9.71%

Health

Metric HTB SMBC Banks Regional median
Debt to equity 0.29 0.25 0.22
Current ratio 1.11 0.99 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HTB SMBC Banks Regional median
Dividend yield 1.58% 2.06% 3.75%
Payout ratio 0.14 0.22 0.27

Size

Metric HTB SMBC Banks Regional median
Market cap 763.38m 795.27m 921.07m

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