SmartFinancial vs Southern Missouri Bancorp

SmartFinancial vs Southern Missouri Bancorp: This page compares the two companies’ business models, financial performance, and market context in a neutral, accessible way. It provides clear overviews of strategy, operations, and market positioning to help readers understand differences. Educational content, not financial advice.

SmartFinancial vs Southern Missouri Bancorp: This page compares the two companies’ business models, financial performance, and market context in a neutral, accessible way. It provides clear overviews ...

Comparison Snapshot

Key Financial Metrics

SMBK

Metric

SMBC

$664.09M

Market Cap

$678.52M

-0.04%

Potential Profit

-0.87%

Hold

Analyst Rating

Buy

Investment Analysis

SmartFinancial

SMBK

Pros

SmartFinancial showed revenue growth of 11.36% in 2024, increasing to $166.35 million from the previous year.
Net income rose by 26.40% in 2024 to $36.14 million, reflecting improving profitability.
The company has a relatively low beta of about 0.75, indicating less volatility compared to the broader market.

Considerations

SmartFinancial operates primarily in Tennessee, Alabama, and Florida, limiting geographic diversification and exposing growth to regional economic conditions.
The forward P/E ratio of about 12.09 suggests limited valuation upside relative to earnings compared to some growth peers.
Dividend yield is modest at around 0.91%, which may be less attractive for income-focused investors.

Southern Missouri Bancorp

SMBC

Pros

Southern Missouri Bancorp provides regional banking solutions tailored to local market needs, supporting community-focused growth.
The company maintains a stable operational footprint in Missouri, presenting focused regional market expertise.
Consistent dividend payments enhance shareholder value through income generation.

Considerations

Southern Missouri Bancorp has limited national presence, which may constrain expansion opportunities and exposure to broader markets.
Regional banks like Southern Missouri Bancorp face higher sensitivity to local economic downturns or sector-specific challenges.
Potential regulatory and interest rate environment changes pose risks to profitability and loan demand.

About The Companies

SmartFinancial (SMBK)

SmartFinancial, Inc. (SMBK) is a US regional bank holding company that provides deposit, lending and other financial services to individuals and small-to-medium-sized businesses. With an approximate market capitalisation of $599.56M, it sits in the small-cap regional banking space where growth often depends on lending activity, net interest margin and local economic conditions. Investors should note the business is sensitive to interest-rate moves — higher rates can widen margins but may also increase stress for borrowers — and to loan portfolio credit quality. Regulatory capital requirements and liquidity management are important for stability. The stock can offer income potential and cyclical upside, but it also carries risks common to regional banks, including concentration risk and sensitivity to local economic cycles. This summary is educational only and not personal investment advice; prospective investors should review the company’s filings and consider their own risk tolerance.

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.

Which Baskets Do They Appear In?

Bank M&A Activity Overview: Consolidation Wave

Fifth Third's $10.9 billion acquisition of Comerica creates a new top-ten U.S. bank, signaling a potential wave of consolidation in the regional banking sector. This theme identifies other mid-sized regional banks that could become prime candidates for similar mergers or acquisitions as the industry continues to scale up.

Published: October 10, 2025

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Which Baskets Do They Appear In?

Bank M&A Activity Overview: Consolidation Wave

Fifth Third's $10.9 billion acquisition of Comerica creates a new top-ten U.S. bank, signaling a potential wave of consolidation in the regional banking sector. This theme identifies other mid-sized regional banks that could become prime candidates for similar mergers or acquisitions as the industry continues to scale up.

Published: October 10, 2025

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Comparison Snapshot