Peapack-Gladstone Financial Corporation (PGC) vs Southern Missouri Bancorp, Inc. (SMBC)
A side-by-side comparison of Peapack-Gladstone Financial Corporation 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.
Total return — PGC vs SMBC
growth of $100 · dividends reinvested · last 10yPGC vs SMBC: by the numbers
- •SMBC is the larger company ($790M vs $783M market cap).
- •SMBC trades at the lower trailing earnings multiple (11.15 vs 15.35 P/E), one valuation lens rather than an overall verdict.
- •SMBC converts more revenue to profit (23.23% vs 11.11% net margin).
- •SMBC grew revenue faster over the past five years (19.02% vs 15.56% CAGR).
- •SMBC pays the higher dividend yield (1.42% vs 0.45%).
Metrics side by side
Valuation
| Metric | PGC | SMBC |
|---|---|---|
| P/E ratio | 15.35 | 11.15 |
| Forward P/E | 12.21 | 10.79 |
| PEG ratio | 1.70 | 2.62 |
| P/S ratio | 1.68 | 2.55 |
| P/B ratio | 1.14 | 1.34 |
Profitability
| Metric | PGC | SMBC |
|---|---|---|
| Operating margin | 15.54% | 28.70% |
| Net margin | 11.11% | 23.23% |
| ROE | 7.25% | 12.16% |
Peapack-Gladstone Financial Corporation: 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 | PGC | SMBC |
|---|---|---|
| Dividend yield | 0.45% | 1.42% |
| Payout ratio | 6.94% | 15.86% |
Growth (annualized)
| Metric | PGC | SMBC |
|---|---|---|
| Revenue CAGR (5Y) | 15.56% | 19.02% |
| EPS CAGR (5Y) | 8.81% | 4.32% |
| Total return CAGR (5Y) | 6.40% | 11.41% |
Frequently asked
- Which has the lower trailing P/E, PGC or SMBC?
- SMBC has the lower trailing P/E: PGC trades at 15.35 and SMBC at 11.15. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, PGC or SMBC?
- Over the past five years, SMBC grew revenue faster — PGC at a 15.56% CAGR versus SMBC at 19.02%.
- Does PGC or SMBC pay a bigger dividend?
- PGC yields 0.45% and SMBC yields 1.42% based on trailing dividends and the latest price.
- Is PGC or SMBC more profitable?
- SMBC runs the higher net margin — PGC at 11.11% versus SMBC at 23.23%.
- How have PGC and SMBC total returns compared?
- Over the past 10 years, PGC delivered 7.89% and SMBC delivered 13.14% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Peapack-Gladstone Financial & Southern Missouri Bancorp appear in these rankings
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.