South Plains Financial vs Southern Missouri Bancorp

This page compares South Plains Financial Inc and Southern Missouri Bancorp, examining their business models, financial performance, and market context in clear, neutral terms. It aims to inform readers about similarities and differences without guidance or recommendation. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

SPFI

Metric

SMBC

$656.58M

Market Cap

$678.52M

3.41%

Potential Profit

-0.87%

Buy

Analyst Rating

Buy

Investment Analysis

South Plains Financial

SPFI

Pros

South Plains Financial operates as a bank holding company with diversified commercial and consumer financial services, including banking, insurance, and trust services.
It maintains a manageable valuation with a P/E ratio around 12.8 and a forward P/E of 12.4, suggesting reasonable earnings multiple.
The company increased its quarterly cash dividend by 7% in 2025, indicating shareholder return focus and a stable dividend policy.

Considerations

Revenue and earnings declined in 2024, with revenue down nearly 10% and net income down over 20%, signaling recent profitability challenges.
The stock exhibits moderate price volatility with a 52-week range of $30.01 to $42.38 and a beta of 0.72, reflecting some sensitivity to market fluctuations.
Analyst consensus shows only a modest price target increase of 1.46%, indicating limited near-term upside expectations.

Southern Missouri Bancorp

SMBC

Pros

Southern Missouri Bancorp is listed on NASDAQ with a stable stock price around $53.59 as of early November 2025.
The company operates in the regional banking sector, likely serving local commercial and consumer clients, which can offer stable community banking revenue.
Its small market presence might enable nimble decision-making and focused regional market penetration.

Considerations

There is limited publicly available recent financial data or detailed analyst coverage to assess earnings growth or profitability.
The stock showed minimal price movement recently, suggesting limited liquidity or investor interest.
The small size and regional focus could expose the company to heightened local economic and regulatory risks compared with larger diversified banks.

About The Companies

South Plains Financial (SPFI)

South Plains Financial, Inc. is the bank holding company for City Bank, a community-focused institution with deep roots across Texas and New Mexico. It serves a diverse clientele, from small and medium-sized businesses to individual customers, offering a comprehensive suite of financial services. These include commercial and retail banking, various types of lending (such as real estate and agricultural), and a range of deposit accounts. Additionally, the company provides investment, trust, and mortgage services, positioning itself as a full-service financial partner in its local markets. For investors, SPFI represents a regional banking player with a clear focus. As with any financial stock, its performance can be influenced by economic conditions and interest rates. The value of investments can fall as well as rise.

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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Comparison Snapshot