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Independent Bank Corp. (IBCP) vs Southern Missouri Bancorp, Inc. (SMBC)

Independent Bank Corp. and Southern Missouri Bancorp, Inc. are both Banks Regional companies. Independent Bank Corp. and Southern Missouri Bancorp, Inc. are of similar size ($783.4M and $769.7M). Independent Bank Corp. trades at the lower P/E: 10.2× against 10.9×. Southern Missouri Bancorp, Inc. grew revenue faster over the last twelve months: 3.74% against 0.86%. Southern Missouri Bancorp, Inc. has the higher net margin (22.6% vs 22.3%) and the lower return on invested capital (8.43% vs 10.0%). Both pay a dividend; Independent Bank Corp. yields more (3.09% vs 1.45%). Across the 19 metrics below, Southern Missouri Bancorp, Inc. leads on 12 and Independent Bank Corp. on 7.

Valuation

Metric IBCP SMBC Banks Regional median
P/E 10.23 10.88 11.98
P/S 2.28 2.46 2.34
P/B 1.39 1.32 1.19
Price to free cash flow 19.24 9.94 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.78% 9.19% 8.23%
Free cash flow yield 5.20% 10.06% 9.08%

Profitability

Metric IBCP SMBC Banks Regional median
Gross margin 73.96% 63.34% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.32% 22.58% 18.66%
Free cash flow margin 11.86% 24.74% 21.11%
Return on equity 14.38% 12.60% 10.65%
Return on assets 1.29% 1.39% 1.13%
Return on invested capital 10.04% 8.43% 8.35%

Growth

Metric IBCP SMBC Banks Regional median
Revenue growth (TTM) 0.86% 3.74% 6.98%
EPS growth (last fiscal year) 3.48% 24.13% 18.88%
Revenue growth, 5-year CAGR 7.41% 19.59% 12.38%
Net income growth, 5-year CAGR 4.07% 8.75% 9.71%

Health

Metric IBCP SMBC Banks Regional median
Debt to equity 0.32 0.25 0.22
Current ratio 0.95 0.99 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric IBCP SMBC Banks Regional median
Dividend yield 3.09% 1.45% 2.57%
Payout ratio 0.32 0.16 0.30

Size

Metric IBCP SMBC Banks Regional median
Market cap 783.42m 769.71m 913.33m

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