Flagstar Bank N.A. (FLG) 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
Southern Missouri Bancorp (SMBC) has outperformed Flagstar Bank N.A. (FLG) over the past year, gaining 35.7% versus a loss of 6.4%. Over five years, SMBC leads with a +49.4% price change compared with -72.8% for FLG. Flagstar Bank N.A. is the larger company by market cap ($4.71 billion vs $787.1 million), about 6.0 times the size.
On valuation, Flagstar Bank N.A. trades at a lower forward P/E (8.7x vs 10.4x for Southern Missouri Bancorp). Southern Missouri Bancorp offers the higher dividend yield (1.40% vs 0.35%).
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 | FLG | SMBC |
|---|---|---|
| Share price | $11.35 | $71.47 |
| Market cap | $4.71B | $787.12M |
| 1-day change | +0.44% | +0.76% |
| YTD return | -10.25% | +19.98% |
| 1-year return | -6.38% | +35.70% |
| 5-year return | -72.80% | +49.36% |
| P/E ratio (TTM) | 378.33 | 11.12 |
| Forward P/E | 8.71 | 10.38 |
| EPS (TTM) | $0.03 | $6.43 |
| Dividend yield | 0.35% | 1.40% |
| Annual dividend | $0.04 | $1.00 |
| Revenue (latest FY) | $2.06B | — |
| Revenue growth (YoY) | -19.20% | — |
| Net income (latest FY) | $-177.00M | — |
| Net margin | -8.58% | — |
| 52-week high | $15.44 | $79.86 |
| 52-week low | $10.57 | $47.60 |
| Distance from 52-week high | -26.49% | -10.51% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +38.85% | +12.21% |
| Average volume | 4.55M | 91.53K |
| Shares outstanding | 415.09M | 11.01M |
| Employees | 5,631 | 711 |
| Sector | Finance | Finance |
| Industry | 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
- Flagstar Bank N.A. is about 6.0 times larger than Southern Missouri Bancorp by market value ($4.71B vs $787.12M).
- SMBC has outperformed FLG by 42.1 percentage points over the past year.
- Flagstar Bank N.A. trades at a higher earnings multiple (378.3x vs 11.1x trailing P/E).
- Southern Missouri Bancorp offers a meaningfully higher dividend yield (1.40% vs 0.35%).
About Flagstar Bank N.A.
FLG stock →Flagstar Bank, National Association provides banking products and services in the United States. The company's deposit products include interest-bearing checking and money market, savings, and non-interest-bearing accounts, as well as certificates of deposit.
Finance · Banks · 5,631 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
FLG vs SMBC FAQ
Which is bigger, Flagstar Bank N.A. or Southern Missouri Bancorp?
Flagstar Bank N.A. (FLG) is larger, with a market capitalization of $4.71B compared with $787.12M for Southern Missouri Bancorp (SMBC).
Which stock has performed better over the past year, FLG or SMBC?
SMBC returned +35.70% over the past 12 months, compared with -6.38% for FLG (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FLG or SMBC?
SMBC has the lower trailing P/E at 11.1, versus 378.3 for FLG. 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, Flagstar Bank N.A. or Southern Missouri Bancorp?
Southern Missouri Bancorp has the higher yield at 1.40%, compared with 0.35% for Flagstar Bank N.A..
Are Flagstar Bank N.A. and Southern Missouri Bancorp in the same industry?
Yes. Both are classified in the Banks industry within the Finance sector.