Financial Institutions (FISI) vs Southern Missouri Bancorp (SMBC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Financial Institutions (FISI) has outperformed Southern Missouri Bancorp (SMBC) over the past year, gaining 41.6% versus a gain of 36.1%. Over five years, SMBC leads with a +50.5% price change compared with +22.4% for FISI. Southern Missouri Bancorp is the larger company by market cap ($787.1 million vs $769.5 million), about 1.0 times the size.
On valuation, Financial Institutions trades at a lower forward P/E (9.1x vs 10.4x for Southern Missouri Bancorp). Financial Institutions offers the higher dividend yield (3.23% vs 1.40%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | FISI | SMBC |
|---|---|---|
| Share price | $39.05 | $71.47 |
| Market cap | $769.53M | $787.12M |
| 1-day change | +0.88% | +0.76% |
| YTD return | +24.19% | +20.89% |
| 1-year return | +41.59% | +36.06% |
| 5-year return | +22.38% | +50.49% |
| P/E ratio (TTM) | 9.69 | 11.12 |
| Forward P/E | 9.08 | 10.38 |
| EPS (TTM) | $4.03 | $6.43 |
| Dividend yield | 3.23% | 1.40% |
| Annual dividend | $1.26 | $1.00 |
| 52-week high | $42.97 | $79.86 |
| 52-week low | $25.61 | $47.60 |
| Distance from 52-week high | -9.12% | -10.51% |
| Analyst consensus | none | hold |
| Avg. price target upside | +15.24% | +12.21% |
| Average volume | 144.41K | 91.53K |
| Shares outstanding | 19.71M | 11.01M |
| Employees | 631 | 711 |
| Sector | Finance | Finance |
| Industry | Major Banks | Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Financial Institutions offers a meaningfully higher dividend yield (3.23% vs 1.40%).
About Financial Institutions
FISI stock →Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts.
Finance · Major Banks · 631 employees
About Southern Missouri Bancorp
SMBC stock →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.
Finance · Banks · 711 employees
FISI vs SMBC FAQ
Which is bigger, Financial Institutions or Southern Missouri Bancorp?
Southern Missouri Bancorp (SMBC) is larger, with a market capitalization of $787.12M compared with $769.53M for Financial Institutions (FISI).
Which stock has performed better over the past year, FISI or SMBC?
FISI returned +41.59% over the past 12 months, compared with +36.06% for SMBC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FISI or SMBC?
FISI has the lower trailing P/E at 9.7, versus 11.1 for SMBC. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Financial Institutions or Southern Missouri Bancorp?
Financial Institutions has the higher yield at 3.23%, compared with 1.40% for Southern Missouri Bancorp.
Are Financial Institutions and Southern Missouri Bancorp in the same industry?
Both are in the Finance sector, but in different industries: Major Banks for Financial Institutions and Banks for Southern Missouri Bancorp.