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Southern Missouri Bancorp, Inc. (SMBC) vs VersaBank (VBNK)

Southern Missouri Bancorp, Inc. and VersaBank are both Banks Regional companies. Southern Missouri Bancorp, Inc. and VersaBank are of similar size ($769.7M and $725.9M). Southern Missouri Bancorp, Inc. trades at the lower P/E: 10.9× against 29.3×. VersaBank grew revenue faster over the last twelve months: 14.5% against 3.74%. Southern Missouri Bancorp, Inc. has the higher net margin (22.6% vs 9.94%) and the lower return on invested capital (8.43% vs 41.3%). Both pay a dividend; Southern Missouri Bancorp, Inc. yields more (1.45% vs 0.32%). Across the 19 metrics below, Southern Missouri Bancorp, Inc. leads on 13 and VersaBank on 6.

Valuation

Metric SMBC VBNK Banks Regional median
P/E 10.88 29.32 11.98
P/S 2.46 2.92 2.34
P/B 1.32 1.78 1.19
Price to free cash flow 9.94 102.11 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.19% 3.41% 8.23%
Free cash flow yield 10.06% 0.98% 9.08%

Profitability

Metric SMBC VBNK Banks Regional median
Gross margin 63.34% 43.56% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.58% 9.94% 18.66%
Free cash flow margin 24.74% 2.86% 21.11%
Return on equity 12.60% 6.20% 10.65%
Return on assets 1.39% 0.55% 1.13%
Return on invested capital 8.43% 41.26% 8.35%

Growth

Metric SMBC VBNK Banks Regional median
Revenue growth (TTM) 3.74% 14.54% 6.98%
EPS growth (last fiscal year) 24.13% (41.28%) 18.88%
Revenue growth, 5-year CAGR 19.59% 27.64% 12.38%
Net income growth, 5-year CAGR 8.75% 9.64% 9.71%

Health

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

Dividend

Metric SMBC VBNK Banks Regional median
Dividend yield 1.45% 0.32% 2.57%
Payout ratio 0.16 0.09 0.30

Size

Metric SMBC VBNK Banks Regional median
Market cap 769.71m 725.88m 913.33m

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