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Heritage Financial vs Southern Missouri Bancorp: HFWA and SMBC compared
Heritage Financial is the larger company: $86.5M of revenue in its latest quarter (Q3 2026) against $53.1M for Southern Missouri Bancorp (Q1 FY27). Heritage Financial is growing faster (+32% against +8% a year earlier). Southern Missouri Bancorp is more profitable, with an operating margin of 44.4% against 25.8%.
Where the money goes: HFWA and SMBC
Heritage Financial (HFWA) · Q3 2026
Heritage Financial, Q3 2026: revenue $86.5M (+32% year over year), operating margin 25.8%, net earnings $18.7M, operating cash flow $30.5M. The chart follows the revenue to costs, profit and cash.
Southern Missouri Bancorp (SMBC) · Q1 FY27
Southern Missouri Bancorp, Q1 FY27: revenue $53.1M (+8% year over year), operating margin 44.4%, net earnings $19.1M, operating cash flow $20.8M. The chart follows the revenue to costs, profit and cash.
| Heritage Financial (HFWA) | Southern Missouri Bancorp (SMBC) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q1 FY27 |
| Revenue | $86.5M | $53.1M |
| Revenue growth, Y/Y | +32% | +8% |
| Operating margin | 25.8% | 44.4% |
| Net earnings | $18.7M | $19.1M |
| Net margin | 21.6% | 36.0% |
| Operating cash flow | $30.5M | $20.8M |
| Free cash flow | $28.4M | $19.6M |
| Market value | $1.1B | — |
| P/E | 13.5× | — |
| Analysts’ mean target | $32.60 | — |
Where the revenue comes from
Heritage Financial
- Net interest income: $77.3M (89%)
- Noninterest income: $9.3M (11%)
Southern Missouri Bancorp
- Net interest income: $45.9M (87%)
- Noninterest income: $7.1M (13%)
Questions
Which is bigger, Heritage Financial or Southern Missouri Bancorp?
Heritage Financial is the larger company: $86.5M of revenue in its latest quarter (Q3 2026) against $53.1M for Southern Missouri Bancorp (Q1 FY27).
Is Heritage Financial or Southern Missouri Bancorp growing faster?
Heritage Financial is growing faster (+32% against +8% a year earlier).
Which is more profitable, Heritage Financial or Southern Missouri Bancorp?
Southern Missouri Bancorp is more profitable, with an operating margin of 44.4% against 25.8%.
More: Heritage Financial earnings · how Heritage Financial makes money · Southern Missouri Bancorp earnings · how Southern Missouri Bancorp makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.