First Community vs Southern Missouri Bancorp

First Community Bankshares and Southern Missouri Bancorp are compared on this page to clarify their business models, financial performance, and market context. The content is written in a neutral, accessible style to help readers understand how each organisation operates, its earnings framework, customer approach, and competitive position, without advocacy or advice. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

FCBC

Metric

SMBC

$621.79M

Market Cap

$678.52M

1.21%

Potential Profit

-0.87%

Hold

Analyst Rating

Buy

Investment Analysis

First Community

FCBC

Pros

First Community Bankshares has shown revenue growth of 3.25% and earnings growth of 7.46% in 2024, indicating improving profitability.
It offers a diverse range of banking products and services, including commercial, consumer real estate loans, and trust management services.
The company maintains a solid dividend yield of 3.28%, appealing to income-focused investors.

Considerations

The price-to-earnings ratio (around 14) is slightly higher than sector averages, which may suggest relative valuation concerns.
Its geographic footprint is limited to a few states, which may constrain growth opportunities and increase regional risk exposure.
The PEG ratio is relatively high at 3.6, indicating that earnings growth expectations may be priced in or elevated compared to peers.

Southern Missouri Bancorp

SMBC

Pros

Southern Missouri Bancorp benefits from serving a region with stable commercial and consumer banking demand.
Its small size can provide nimble local banking services that appeal to community-focused customers.
As a regional bank, it may have growth opportunities through expansion or acquisitions within Southern Missouri.

Considerations

Southern Missouri Bancorp has less publicly available financial data, indicating possible lower transparency or scale issues.
The bank may face concentration risk due to geographic and economic dependence on Southern Missouri.
Smaller community banks generally face higher execution and regulatory risks compared to larger, more diversified institutions.

About The Companies

First Community (FCBC)

First Community Bankshares, Inc. is a financial holding company that operates primarily through its subsidiary, First Community Bank. It focuses on community banking, serving individuals and small-to-mid-sized businesses with a range of products. These include commercial and consumer loans, home equity lines of credit, deposit accounts, and wealth management services provided via its trust division. With a strong local footprint, the company aims to build long-term customer relationships. In the last twelve months, it generated revenues of $146.14 million, pointing to a consistent demand for its services. For potential investors, this is a company with a traditional banking model, focusing on core lending and financial management within its community. As with any investment, it's important to remember that a stock's value can go down as well as up, and returns are not guaranteed.

Southern Missouri Bancorp (SMBC)

Southern Missouri Bancorp (SMBC) is a small-cap regional bank holding company serving communities across southern Missouri through its banking subsidiaries. With a market capitalisation around $566.1 million, the firm offers deposit accounts, commercial and consumer lending, mortgage services and fee-based treasury products. Investors should note its earnings are closely linked to the local economy, loan performance, deposit stability and interest-rate movements. Potential strengths include established local customer relationships and a focus on community banking; potential risks include regional concentration, competition from larger banks and fintech, regulatory shifts and credit-cycle sensitivity. Dividend payments and capital ratios are important drivers of shareholder returns — check the company’s latest reports for details. This summary is educational and not personal financial advice; values can rise or fall and past performance is not a guarantee. Consider your objectives and risk tolerance and consult a qualified financial professional before making investment decisions.

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First Community vs Southern Missouri Bancorp

Comparison Snapshot

Investment Analysis

First Community

Pros

Considerations

Southern Missouri Bancorp

Pros

Considerations

About The Companies

Which Baskets Do They Appear In?

Which Baskets Do They Appear In?

Buy FCBC or SMBC in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

SmartFinancial vs Southern Missouri Bancorp

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Frequently asked questions

Comparison Snapshot

About The Companies

First Community vs Southern Missouri Bancorp

Comparison Snapshot

Investment Analysis

First Community

Pros

Considerations

Southern Missouri Bancorp

Pros

Considerations

About The Companies

Which Baskets Do They Appear In?

Which Baskets Do They Appear In?

Buy FCBC or SMBC in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

SmartFinancial vs Southern Missouri Bancorp

South Plains Financial vs Southern Missouri Bancorp

Frequently asked questions

What does it mean to compare two regional banks on a stock comparison page?

How should I interpret the revenue and earnings growth figures provided for stock_1?

What is the significance of the dividend yield in these bank stocks?

How should valuation be considered when stock_1’s P/E is around 14?

What does the PEG ratio tell me about stock_1’s growth expectations?

What should I consider about stock_2’s smaller size and regional focus?

How do geographic footprint and regional exposure affect risk for these banks?

What does lesser publicly available financial data imply for stock_2?

How should I use this page to compare customer focus and product breadth between the two banks?

What is the purpose of comparing earnings framework and market context without advice?

Educational disclaimer: is this financial advice?

Comparison Snapshot

About The Companies