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Southern Missouri Bancorp vs FS Bancorp: SMBC and FSBW compared
Southern Missouri Bancorp is the larger company: $53.1M of revenue in its latest quarter (Q1 FY27) against $41.9M for FS Bancorp (Q3 2026). Southern Missouri Bancorp is growing faster (+8% against +7% a year earlier). Southern Missouri Bancorp is more profitable, with an operating margin of 44.4% against 14.5%.
Where the money goes: SMBC and FSBW
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.
FS Bancorp (FSBW) · Q3 2026
FS Bancorp, Q3 2026: revenue $41.9M (+7% year over year), operating margin 14.5%, net earnings $4.9M, operating cash flow $33.1M. The chart follows the revenue to costs, profit and cash.
| Southern Missouri Bancorp (SMBC) | FS Bancorp (FSBW) | |
|---|---|---|
| Latest quarter | Q1 FY27 | Q3 2026 |
| Revenue | $53.1M | $41.9M |
| Revenue growth, Y/Y | +8% | +7% |
| Operating margin | 44.4% | 14.5% |
| Net earnings | $19.1M | $4.9M |
| Net margin | 36.0% | 11.8% |
| Operating cash flow | $20.8M | $33.1M |
| Free cash flow | $19.6M | $31.8M |
Where the revenue comes from
Southern Missouri Bancorp
- Net interest income: $45.9M (87%)
- Noninterest income: $7.1M (13%)
FS Bancorp
- Net interest income: $35.7M (85%)
- Noninterest income: $6.2M (15%)
Questions
Which is bigger, Southern Missouri Bancorp or FS Bancorp?
Southern Missouri Bancorp is the larger company: $53.1M of revenue in its latest quarter (Q1 FY27) against $41.9M for FS Bancorp (Q3 2026).
Is Southern Missouri Bancorp or FS Bancorp growing faster?
Southern Missouri Bancorp is growing faster (+8% against +7% a year earlier).
Which is more profitable, Southern Missouri Bancorp or FS Bancorp?
Southern Missouri Bancorp is more profitable, with an operating margin of 44.4% against 14.5%.
More: Southern Missouri Bancorp earnings · how Southern Missouri Bancorp makes money · FS Bancorp earnings · how FS Bancorp makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Nov 9, 2026). Fiscal quarters can end on different dates. Not investment advice.