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Shore Bancshares Inc (SHBI) vs Southern Missouri Bancorp, Inc. (SMBC)

Shore Bancshares Inc and Southern Missouri Bancorp, Inc. are both Banks Regional companies. Shore Bancshares Inc and Southern Missouri Bancorp, Inc. are of similar size ($776.7M and $744.8M). Shore Bancshares Inc trades at the lower P/E: 10.9× against 11.0×. Southern Missouri Bancorp, Inc. grew revenue faster over the last twelve months: 3.74% against 2.75%. Southern Missouri Bancorp, Inc. has the higher net margin (22.6% vs 19.7%) and the lower return on invested capital (8.43% vs 22.4%). Both pay a dividend; Shore Bancshares Inc yields more (2.32% vs 1.44%). Across the 19 metrics below, Shore Bancshares Inc leads on 13 and Southern Missouri Bancorp, Inc. on 6.

Valuation

Metric SHBI SMBC Banks Regional median
P/E 10.93 10.98 12.02
P/S 2.15 2.48 2.36
P/B 1.21 1.33 1.23
Price to free cash flow 9.31 10.03 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.15% 9.11% 8.21%
Free cash flow yield 10.74% 9.97% 9.23%

Profitability

Metric SHBI SMBC Banks Regional median
Gross margin 69.87% 63.34% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 19.69% 22.58% 18.82%
Free cash flow margin 23.08% 24.74% 17.97%
Return on equity 11.47% 12.60% 10.28%
Return on assets 1.08% 1.39% 1.13%
Return on invested capital 22.41% 8.43% 8.45%

Growth

Metric SHBI SMBC Banks Regional median
Revenue growth (TTM) 2.75% 3.74% 6.37%
EPS growth (last fiscal year) 34.85% 24.13% 18.85%
Revenue growth, 5-year CAGR 37.23% 19.59% 12.65%
Net income growth, 5-year CAGR 30.49% 8.75% 9.81%

Health

Metric SHBI SMBC Banks Regional median
Debt to equity 0.14 0.25 0.17
Current ratio 0.94 0.99 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric SHBI SMBC Banks Regional median
Dividend yield 2.32% 1.44% 2.49%
Payout ratio 0.25 0.16 0.29

Size

Metric SHBI SMBC Banks Regional median
Market cap 744.76m 776.66m 934.85m

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