Which has the lower trailing P/E, FISI or SMBC?

FISI has the lower trailing P/E: FISI trades at 9.72 and SMBC at 11.14. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, FISI or SMBC?

Over the past five years, SMBC grew revenue faster — FISI at a 8.78% CAGR versus SMBC at 19.02%.

Does FISI or SMBC pay a bigger dividend?

FISI yields 3.20% and SMBC yields 1.42% based on trailing dividends and the latest price.

Is FISI or SMBC more profitable?

FISI runs the higher net margin — FISI at 26.18% versus SMBC at 23.23%.

How have FISI and SMBC total returns compared?

Over the past 10 years, FISI delivered 8.47% and SMBC delivered 13.14% annualized total return. Past performance doesn't predict future results.

Financial Institutions, Inc. (FISI) vs Southern Missouri Bancorp, Inc. (SMBC)

A side-by-side comparison of Financial Institutions, Inc. and Southern Missouri Bancorp, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

FISI

Financial Institutions, Inc.

$773M

$39.28Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

SMBC

Southern Missouri Bancorp, Inc.

$789M

$71.61Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

Total return — FISI vs SMBC

growth of $100 · dividends reinvested · last 10y

FISI +129.8% (+8.7%/yr)SMBC +244.3% (+13.2%/yr)SMBC compounded faster over this window

FISI SMBC

FISI vs SMBC: by the numbers

•SMBC is the larger company ($789M vs $773M market cap).
•FISI trades at the lower trailing earnings multiple (9.72 vs 11.14 P/E), one valuation lens rather than an overall verdict.
•FISI converts more revenue to profit (26.18% vs 23.23% net margin).
•SMBC grew revenue faster over the past five years (19.02% vs 8.78% CAGR).
•FISI pays the higher dividend yield (3.20% vs 1.42%).

Metrics side by side

Valuation

Metric	FISI	SMBC
P/E ratio	9.72	11.14
Forward P/E	9.37	10.78
PEG ratio	1.03	2.61
P/S ratio	2.45	2.55
P/B ratio	1.23	1.34

Profitability

Metric	FISI	SMBC
Operating margin	24.17%	28.70%
Net margin	26.18%	23.23%
ROE	12.84%	12.16%

Financial Institutions, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Southern Missouri Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	FISI	SMBC
Dividend yield	3.20%	1.42%
Payout ratio	31.44%	15.86%

Growth (annualized)

Metric	FISI	SMBC
Revenue CAGR (5Y)	8.78%	19.02%
EPS CAGR (5Y)	9.68%	4.32%
Total return CAGR (5Y)	10.04%	11.41%

Frequently asked

Which has the lower trailing P/E, FISI or SMBC?: FISI has the lower trailing P/E: FISI trades at 9.72 and SMBC at 11.14. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, FISI or SMBC?: Over the past five years, SMBC grew revenue faster — FISI at a 8.78% CAGR versus SMBC at 19.02%.
Does FISI or SMBC pay a bigger dividend?: FISI yields 3.20% and SMBC yields 1.42% based on trailing dividends and the latest price.
Is FISI or SMBC more profitable?: FISI runs the higher net margin — FISI at 26.18% versus SMBC at 23.23%.
How have FISI and SMBC total returns compared?: Over the past 10 years, FISI delivered 8.47% and SMBC delivered 13.14% annualized total return. Past performance doesn't predict future results.

Go deeper

Full FISI analysis Full SMBC analysis Interactive comparison tool

Dig into the metrics

Financial Institutions P/E ratio Southern Missouri Bancorp P/E ratio Financial Institutions dividend yield Southern Missouri Bancorp dividend yield Financial Institutions ROE Southern Missouri Bancorp ROE Financial Institutions operating margin Southern Missouri Bancorp operating margin Financial Institutions revenue growth Southern Missouri Bancorp revenue growth

Financial Institutions & Southern Missouri Bancorp appear in these rankings

Highest Dividend Yield Stocks Fastest Revenue Growth Stocks Highest 10-Year Total Return Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.