Southern Missouri Bancorp (NASDAQ: SMBC) and Timberland Bancorp (NASDAQ:TSBK) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their valuation, dividends, institutional ownership, risk, profitability, analyst recommendations and earnings.

Valuation & Earnings

This table compares Southern Missouri Bancorp and Timberland Bancorp’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Southern Missouri Bancorp $72.57 million 4.94 $15.55 million N/A N/A
Timberland Bancorp $50.71 million 5.68 $14.16 million N/A N/A

Southern Missouri Bancorp has higher revenue and earnings than Timberland Bancorp.

Analyst Ratings

This is a summary of recent ratings and target prices for Southern Missouri Bancorp and Timberland Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Southern Missouri Bancorp 0 1 0 0 2.00
Timberland Bancorp 0 0 0 0 N/A

Risk and Volatility

Southern Missouri Bancorp has a beta of 0.71, meaning that its stock price is 29% less volatile than the S&P 500. Comparatively, Timberland Bancorp has a beta of 0.21, meaning that its stock price is 79% less volatile than the S&P 500.

Dividends

Southern Missouri Bancorp pays an annual dividend of $0.44 per share and has a dividend yield of 1.1%. Timberland Bancorp pays an annual dividend of $0.52 per share and has a dividend yield of 1.3%.

Profitability

This table compares Southern Missouri Bancorp and Timberland Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Southern Missouri Bancorp 22.01% 12.60% 1.09%
Timberland Bancorp 29.92% 13.97% 1.63%

Insider & Institutional Ownership

47.1% of Southern Missouri Bancorp shares are held by institutional investors. Comparatively, 56.2% of Timberland Bancorp shares are held by institutional investors. 17.9% of Southern Missouri Bancorp shares are held by insiders. Comparatively, 6.1% of Timberland Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Summary

Timberland Bancorp beats Southern Missouri Bancorp on 7 of the 11 factors compared between the two stocks.

Southern Missouri Bancorp Company Profile

Southern Missouri Bancorp, Inc. operates as the bank holding company for Southern Bank that provides banking and financial services to individuals and corporate customers in the United States. It offers various deposit instruments, including demand deposit accounts, negotiable order of withdrawal accounts, money market deposit accounts, saving accounts, certificates of deposit, and retirement savings plans. The company also provides loans for the acquisition or refinance of one-to four-family residences; loans secured by commercial real estate, including land, shopping centers, retail establishments, nursing homes and other healthcare related facilities, and other businesses; construction loans; and various secured consumer loans comprising home equity, direct and indirect automobile loans, second mortgages, mobile home loans, and loans secured by deposits. In addition, it offers commercial business loans, such as loans to finance accounts receivable, inventory, equipment, and operating lines of credit. As of June 30, 2017, the company operated 38 full-service branch offices, and 3 limited-service branch offices located in Poplar Bluff, Van Buren, Dexter, Kennett, Doniphan, Sikeston, Qulin, Matthews, Springfield, Thayer, West Plains, Alton, Clever, Forsyth, Fremont Hills, Kimberling City, Ozark, Nixa, Rogersville, Cape Girardeau, Jackson, Jonesboro, Paragould, Brookland, Batesville, Searcy, Bald Knob, Arkansas, and Illinois. Southern Missouri Bancorp, Inc. was founded in 1887 and is based in Poplar Bluff, Missouri.

Timberland Bancorp Company Profile

Timberland Bancorp, Inc. operates as the bank holding company for Timberland Bank that provides various banking services in Washington. It offers various deposit products, including money market deposit accounts, checking accounts, regular savings accounts, and certificates of deposit. The company also provides one-to four-family residential, multi-family, commercial real estate, construction, custom and owner/builder construction, speculative one- to four-family construction, commercial construction, multi-family construction, land development construction, and land loans. In addition, it offers consumer loans comprising home equity lines of credit, second mortgage loans, and savings account loans; and automobile loans, boat loans, motorcycle loans, recreational vehicle loans, and unsecured loans, as well as commercial business loans. The company operates 22 branches located in Grays Harbor, Pierce, Thurston, Kitsap, King, and Lewis counties in Washington. As of September 30, 2017, it operated 22 proprietary ATMs. The company was founded in 1915 and is based in Hoquiam, Washington.

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