Peapack-Gladstone Financial Corporation (PGC) vs Southern Missouri Bancorp, Inc. (SMBC)

Peapack-Gladstone Financial Corporation and Southern Missouri Bancorp, Inc. are both Banks Regional companies. Peapack-Gladstone Financial Corporation and Southern Missouri Bancorp, Inc. are of similar size ($795.3M and $794.6M). Southern Missouri Bancorp, Inc. trades at the lower P/E: 11.2× against 15.4×. Peapack-Gladstone Financial Corporation grew revenue faster over the last twelve months: 10.3% against 3.74%. Southern Missouri Bancorp, Inc. has the higher net margin (22.6% vs 11.0%) and the lower return on invested capital (8.43% vs 9.80%). Both pay a dividend; Southern Missouri Bancorp, Inc. yields more (2.06% vs 0.85%). Across the 20 metrics below, Southern Missouri Bancorp, Inc. leads on 11 and Peapack-Gladstone Financial Corporation on 9.

Valuation

Metric PGC SMBC Banks Regional median
P/E 15.36 11.20 12.15
P/S 1.70 2.53 2.37
P/B 1.16 1.36 1.21
Price to free cash flow 7.81 10.24 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.16 2.71 2.27
Earnings yield 6.51% 8.93% 8.11%
Free cash flow yield 12.80% 9.77% 8.98%

Profitability

Metric PGC SMBC Banks Regional median
Gross margin 67.79% 63.34% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 11.04% 22.58% 18.66%
Free cash flow margin 21.80% 24.74% 21.18%
Return on equity 7.86% 12.60% 10.64%
Return on assets 0.68% 1.39% 1.13%
Return on invested capital 9.80% 8.43% 8.33%

Growth

Metric PGC SMBC Banks Regional median
Revenue growth (TTM) 10.31% 3.74% 6.61%
EPS growth (last fiscal year) 13.51% 24.13% —
Revenue growth, 5-year CAGR 14.34% 19.59% 12.30%
Net income growth, 5-year CAGR 7.34% 8.75% 9.71%

Health

Metric PGC SMBC Banks Regional median
Debt to equity 0.00 0.25 0.22
Current ratio 0.97 0.99 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric PGC SMBC Banks Regional median
Dividend yield 0.85% 2.06% 3.75%
Payout ratio 0.05 0.22 0.27

Size

Metric PGC SMBC Banks Regional median
Market cap 794.57m 795.27m 921.07m

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