Southern Missouri Bancorp, Inc. (SMBC) vs Washington Trust Bancorp, Inc. (WASH)

Southern Missouri Bancorp, Inc. and Washington Trust Bancorp, Inc. are both Banks Regional companies. Southern Missouri Bancorp, Inc. and Washington Trust Bancorp, Inc. are of similar size ($776.7M and $737.6M). Southern Missouri Bancorp, Inc. trades at the lower P/E: 11.0× against 11.5×. Washington Trust Bancorp, Inc. grew revenue faster over the last twelve months: 27.1% against 3.74%. Southern Missouri Bancorp, Inc. has the higher net margin (22.6% vs 0.00%) and the higher return on invested capital (8.43% vs 6.10%). Both pay a dividend; Washington Trust Bancorp, Inc. yields more (5.78% vs 1.44%). Across the 19 metrics below, Southern Missouri Bancorp, Inc. leads on 12 and Washington Trust Bancorp, Inc. on 7.

Valuation

Metric SMBC WASH Banks Regional median
P/E 10.98 11.54 12.02
P/S 2.48 1.94 2.36
P/B 1.33 1.39 1.23
Price to free cash flow 10.03 9.61 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.11% 8.66% 8.21%
Free cash flow yield 9.97% 10.40% 9.23%

Profitability

Metric SMBC WASH Banks Regional median
Gross margin 63.34% 63.46% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.58% 0.00% 18.82%
Free cash flow margin 24.74% 20.14% 17.97%
Return on equity 12.60% 0.00% 10.28%
Return on assets 1.39% 0.00% 1.13%
Return on invested capital 8.43% 6.10% 8.45%

Growth

Metric SMBC WASH Banks Regional median
Revenue growth (TTM) 3.74% 27.14% 6.37%
EPS growth (last fiscal year) 24.13% 266.26% 18.85%
Revenue growth, 5-year CAGR 19.59% 7.90% 12.65%
Net income growth, 5-year CAGR 8.75% (5.60%) 9.81%

Health

Metric SMBC WASH Banks Regional median
Debt to equity 0.25 0.75 0.17
Current ratio 0.99 0.00 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric SMBC WASH Banks Regional median
Dividend yield 1.44% 5.78% 2.49%
Payout ratio 0.16 0.67 0.29

Size

Metric SMBC WASH Banks Regional median
Market cap 776.66m 737.60m 934.85m

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