Peoples Financial Services vs Southern Missouri Bancorp
Peoples Financial Services and Southern Missouri Bancorp are similar in size: $188m and $201m of revenue in their latest fiscal years. Peoples Financial Services grew faster (39.7% against 9.9%). Southern Missouri Bancorp kept more of each dollar of sales as profit: a net margin of 35.8% against 31.5%.
| Latest fiscal year | Peoples Financial ServicesPFIS, 2025 | Southern Missouri BancorpSMBC, 2026 |
|---|---|---|
| Revenue | $188m | $201m |
| Revenue growth | 39.7% | 9.9% |
| Net income | $59.2m | $71.8m |
| Operating margin | — | — |
| Net margin | 31.5% | 35.8% |
| Return on equity | 12.0% | 12.7% |
| Free cash flow | $43.3m | $76.6m |
| Cash | $269m | $91.0m |
| Total debt | $32.7m | $0 |
| Debt to equity | — | — |
| Dividend per share | $2.47 | $1.00 |
| Dividend yield | 3.3% | 1.4% |
| Share buybacks | — | — |
| Employees | 547 | 711 |
| Market value | $731m | $789m |
| Price vs our value range | — | — |
| Moat score | 61 (Moderate) | 63 (Moderate) |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 11 sales |