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

SMBC has the lower trailing P/E: SMBC trades at 11.17 and SPFI at 11.66. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, SMBC or SPFI?

Over the past five years, SMBC grew revenue faster — SMBC at a 19.02% CAGR versus SPFI at 5.08%.

Does SMBC or SPFI pay a bigger dividend?

SMBC yields 1.42% and SPFI yields 1.58% based on trailing dividends and the latest price.

Is SMBC or SPFI more profitable?

SMBC runs the higher net margin — SMBC at 23.23% versus SPFI at 21.48%.

How have SMBC and SPFI total returns compared?

Over the past 5 years, SMBC delivered 11.41% and SPFI delivered 13.77% annualized total return. Past performance doesn't predict future results.

Southern Missouri Bancorp, Inc. (SMBC) vs South Plains Financial, Inc. (SPFI)

A side-by-side comparison of Southern Missouri Bancorp, Inc. and South Plains Financial, 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.

SMBC

Southern Missouri Bancorp, Inc.

$792M

$71.86Financial ServicesDelayed quote: Oct 6, 2026, 3:35 PM EDT

SPFI

South Plains Financial, Inc.

$819M

$42.80Financial ServicesDelayed quote: Oct 6, 2026, 3:35 PM EDT

Total return — SMBC vs SPFI

growth of $100 · dividends reinvested · last 7y

SMBC +143.4% (+13.6%/yr)SPFI +169.7% (+15.2%/yr)SPFI compounded faster over this window

SMBC SPFI

SMBC vs SPFI: by the numbers

•SPFI is the larger company ($819M vs $792M market cap).
•SMBC trades at the lower trailing earnings multiple (11.17 vs 11.66 P/E), one valuation lens rather than an overall verdict.
•SMBC converts more revenue to profit (23.23% vs 21.48% net margin).
•SMBC grew revenue faster over the past five years (19.02% vs 5.08% CAGR).
•SPFI pays the higher dividend yield (1.58% vs 1.42%).

Metrics side by side

Valuation

Metric	SMBC	SPFI
P/E ratio	11.17	11.66
Forward P/E	10.82	10.97
PEG ratio	2.62	1.79
P/S ratio	2.56	2.70
P/B ratio	1.34	1.30

Profitability

Metric	SMBC	SPFI
Operating margin	28.70%	27.18%
Net margin	23.23%	21.48%
ROE	12.16%	10.34%

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.

South Plains Financial, 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	SMBC	SPFI
Dividend yield	1.42%	1.58%
Payout ratio	15.86%	18.53%

Growth (annualized)

Metric	SMBC	SPFI
Revenue CAGR (5Y)	19.02%	5.08%
EPS CAGR (5Y)	4.32%	7.48%
Total return CAGR (5Y)	11.41%	13.77%

Frequently asked

Which has the lower trailing P/E, SMBC or SPFI?: SMBC has the lower trailing P/E: SMBC trades at 11.17 and SPFI at 11.66. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, SMBC or SPFI?: Over the past five years, SMBC grew revenue faster — SMBC at a 19.02% CAGR versus SPFI at 5.08%.
Does SMBC or SPFI pay a bigger dividend?: SMBC yields 1.42% and SPFI yields 1.58% based on trailing dividends and the latest price.
Is SMBC or SPFI more profitable?: SMBC runs the higher net margin — SMBC at 23.23% versus SPFI at 21.48%.
How have SMBC and SPFI total returns compared?: Over the past 5 years, SMBC delivered 11.41% and SPFI delivered 13.77% annualized total return. Past performance doesn't predict future results.

Go deeper

Full SMBC analysis Full SPFI analysis Interactive comparison tool

Dig into the metrics

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

Southern Missouri Bancorp & South Plains Financial appear in these rankings

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.