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NB Bancorp vs Southern Missouri Bancorp: NBBK and SMBC compared
NB Bancorp is the larger company: $76.5M of revenue in its latest quarter (Q3 2026) against $53.1M for Southern Missouri Bancorp (Q1 FY27). NB Bancorp is growing faster (+48% against +8% a year earlier). Southern Missouri Bancorp is more profitable, with an operating margin of 44.4% against 37.9%.
Where the money goes: NBBK and SMBC
NB Bancorp (NBBK) · Q3 2026
NB Bancorp, Q3 2026: revenue $76.5M (+48% year over year), operating margin 37.9%, net earnings $23.1M, operating cash flow $70.2M. 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.
| NB Bancorp (NBBK) | Southern Missouri Bancorp (SMBC) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q1 FY27 |
| Revenue | $76.5M | $53.1M |
| Revenue growth, Y/Y | +48% | +8% |
| Operating margin | 37.9% | 44.4% |
| Net earnings | $23.1M | $19.1M |
| Net margin | 30.2% | 36.0% |
| Operating cash flow | $70.2M | $20.8M |
| Free cash flow | $67.2M | $19.6M |
Where the revenue comes from
NB Bancorp
- Net interest income: $71.4M (93%)
- Noninterest income: $5.1M (7%)
Southern Missouri Bancorp
- Net interest income: $45.9M (87%)
- Noninterest income: $7.1M (13%)
Questions
Which is bigger, NB Bancorp or Southern Missouri Bancorp?
NB Bancorp is the larger company: $76.5M of revenue in its latest quarter (Q3 2026) against $53.1M for Southern Missouri Bancorp (Q1 FY27).
Is NB Bancorp or Southern Missouri Bancorp growing faster?
NB Bancorp is growing faster (+48% against +8% a year earlier).
Which is more profitable, NB Bancorp or Southern Missouri Bancorp?
Southern Missouri Bancorp is more profitable, with an operating margin of 44.4% against 37.9%.
More: NB Bancorp earnings · how NB Bancorp 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 4, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.