Heritage Financial (HFWA) vs Southern Missouri Bancorp (SMBC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Southern Missouri Bancorp (SMBC) has outperformed Heritage Financial (HFWA) over the past year, gaining 36.1% versus a gain of 15.3%. Over five years, SMBC leads with a +50.5% price change compared with +9.5% for HFWA. Heritage Financial is the larger company by market cap ($1.11 billion vs $770.2 million), about 1.4 times the size.
On valuation, Southern Missouri Bancorp trades at a lower forward P/E (10.2x vs 10.3x for Heritage Financial). Heritage Financial offers the higher dividend yield (3.53% vs 1.43%).
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 | HFWA | SMBC |
|---|---|---|
| Share price | $27.16 | $69.93 |
| Market cap | $1.11B | $770.16M |
| 1-day change | -1.49% | -2.15% |
| YTD return | +14.84% | +20.89% |
| 1-year return | +15.33% | +36.06% |
| 5-year return | +9.52% | +50.49% |
| P/E ratio (TTM) | 12.93 | 10.88 |
| Forward P/E | 10.31 | 10.16 |
| EPS (TTM) | $2.10 | $6.43 |
| Dividend yield | 3.53% | 1.43% |
| Annual dividend | $0.96 | $1.00 |
| 52-week high | $31.25 | $79.86 |
| 52-week low | $21.32 | $47.60 |
| Distance from 52-week high | -13.09% | -12.43% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +19.29% | +14.69% |
| Average volume | 404.22K | 90.60K |
| Shares outstanding | 40.92M | 11.01M |
| Employees | 976 | 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
- SMBC has outperformed HFWA by 20.7 percentage points over the past year.
- Heritage Financial offers a meaningfully higher dividend yield (3.53% vs 1.43%).
About Heritage Financial
HFWA stock →Heritage Financial Corporation operates as the bank holding company for Heritage Bank that provides various financial services to small and medium sized businesses and its owners in the United States. It accepts various deposit products, such as noninterest demand deposits, interest bearing demand deposits, money market accounts, savings accounts, personal checking accounts, and certificates of deposit.
Finance · Banks · 976 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
HFWA vs SMBC FAQ
Which is bigger, Heritage Financial or Southern Missouri Bancorp?
Heritage Financial (HFWA) is larger, with a market capitalization of $1.11B compared with $770.16M for Southern Missouri Bancorp (SMBC).
Which stock has performed better over the past year, HFWA or SMBC?
SMBC returned +36.06% over the past 12 months, compared with +15.33% for HFWA (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, HFWA or SMBC?
SMBC has the lower trailing P/E at 10.9, versus 12.9 for HFWA. 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, Heritage Financial or Southern Missouri Bancorp?
Heritage Financial has the higher yield at 3.53%, compared with 1.43% for Southern Missouri Bancorp.
Are Heritage Financial and Southern Missouri Bancorp in the same industry?
Yes. Both are classified in the Banks industry within the Finance sector.