Critical Survey: Southern Missouri Bancorp (SMBC) versus PCSB Financial (PCSB)

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

Analyst Ratings

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This is a breakdown of recent recommendations and price targets for PCSB Financial and Southern Missouri Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PCSB Financial 0 0 1 0 3.00
Southern Missouri Bancorp 0 0 0 0 N/A



PCSB Financial presently has a consensus target price of $24.00, indicating a potential upside of 15.72%. Given PCSB Financial’s higher possible upside, equities analysts plainly believe PCSB Financial is more favorable than Southern Missouri Bancorp.

Profitability

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

Net Margins Return on Equity Return on Assets
PCSB Financial 3.98% 2.87% 0.49%
Southern Missouri Bancorp 21.80% 10.82% 1.07%

Institutional & Insider Ownership

40.4% of PCSB Financial shares are owned by institutional investors. Comparatively, 47.6% of Southern Missouri Bancorp shares are owned by institutional investors. 1.6% of PCSB Financial shares are owned by insiders. Comparatively, 17.9% of Southern Missouri Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Earnings and Valuation

This table compares PCSB Financial and Southern Missouri Bancorp’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
PCSB Financial $45.04 million 8.37 $3.22 million N/A N/A
Southern Missouri Bancorp $72.57 million 4.46 $15.55 million N/A N/A

Southern Missouri Bancorp has higher revenue and earnings than PCSB Financial.

Dividends

Southern Missouri Bancorp pays an annual dividend of $0.44 per share and has a dividend yield of 1.2%. PCSB Financial does not pay a dividend.

Summary

Southern Missouri Bancorp beats PCSB Financial on 8 of the 11 factors compared between the two stocks.

About PCSB Financial

PCSB Financial Corporation will be the holding company of PCSB Bank (the Bank). The Bank is a mutual savings bank. The Bank attracts deposits from the general public and utilizes those funds primarily to originate and purchase residential real estate, commercial real estate and business loans, and to purchase investment securities. As of September 30, 2016, the Bank had consolidated total assets of $1.25 billion, total deposits of $1.12 billion and equity of $111.5 million. The Bank’s provides commercial lending and deposit opportunities for its customers. The Bank operates in 15 locations, offices located in Dutchess, Putnam, Rockland and Westchester Counties in New York. The Bank’s subsidiaries include PCSB Commercial Bank, PCSB Funding Corp. and PCSB Realty Ltd.

About Southern Missouri Bancorp

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.

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