Southern Missouri Bancorp, Inc. (SMBC) vs South Plains Financial, Inc. (SPFI)

Southern Missouri Bancorp, Inc. and South Plains Financial, Inc. are both Banks Regional companies. Southern Missouri Bancorp, Inc. and South Plains Financial, Inc. are of similar size ($807.3M and $795.3M). Southern Missouri Bancorp, Inc. trades at the lower P/E: 11.2× against 11.3×. South Plains Financial, Inc. grew revenue faster over the last twelve months: 6.59% against 3.74%. Southern Missouri Bancorp, Inc. has the higher net margin (22.6% vs 20.8%) and the higher return on invested capital (8.43% vs 0.00%). Both pay a dividend; South Plains Financial, Inc. yields more (2.08% vs 2.06%). Across the 20 metrics below, Southern Missouri Bancorp, Inc. leads on 14 and South Plains Financial, Inc. on 6.

Valuation

Metric SMBC SPFI Banks Regional median
P/E 11.20 11.26 12.15
P/S 2.53 2.62 2.37
P/B 1.36 1.30 1.21
Price to free cash flow 10.24 10.87 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.71 0.30 2.27
Earnings yield 8.93% 8.88% 8.11%
Free cash flow yield 9.77% 9.20% 8.98%

Profitability

Metric SMBC SPFI Banks Regional median
Gross margin 63.34% 72.40% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.58% 20.79% 18.66%
Free cash flow margin 24.74% 24.14% 21.18%
Return on equity 12.60% 12.01% 10.64%
Return on assets 1.39% 1.33% 1.13%
Return on invested capital 8.43% 0.00% 8.33%

Growth

Metric SMBC SPFI Banks Regional median
Revenue growth (TTM) 3.74% 6.59% 6.61%
EPS growth (last fiscal year) 24.13% 17.81% —
Revenue growth, 5-year CAGR 19.59% 4.36% 12.30%
Net income growth, 5-year CAGR 8.75% 5.21% 9.71%

Health

Metric SMBC SPFI Banks Regional median
Debt to equity 0.25 0.10 0.22
Current ratio 0.99 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric SMBC SPFI Banks Regional median
Dividend yield 2.06% 2.08% 3.75%
Payout ratio 0.22 0.13 0.27

Size

Metric SMBC SPFI Banks Regional median
Market cap 795.27m 807.26m 921.07m

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