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Southern Missouri Bancorp vs Home Bancorp: SMBC and HBCP compared
Southern Missouri Bancorp is the larger company: $53.1M of revenue in its latest quarter (Q1 FY27) against $40.1M for Home Bancorp (Q3 2026). Southern Missouri Bancorp is growing faster (+8% against +6% a year earlier). Southern Missouri Bancorp is more profitable, with an operating margin of 44.4% against 31.8%.
Where the money goes: SMBC and HBCP
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.
Home Bancorp (HBCP) · Q3 2026
Home Bancorp, Q3 2026: revenue $40.1M (+6% year over year), operating margin 31.8%, net earnings $10.1M, operating cash flow $24.3M. The chart follows the revenue to costs, profit and cash.
| Southern Missouri Bancorp (SMBC) | Home Bancorp (HBCP) | |
|---|---|---|
| Latest quarter | Q1 FY27 | Q3 2026 |
| Revenue | $53.1M | $40.1M |
| Revenue growth, Y/Y | +8% | +6% |
| Operating margin | 44.4% | 31.8% |
| Net earnings | $19.1M | $10.1M |
| Net margin | 36.0% | 25.2% |
| Operating cash flow | $20.8M | $24.3M |
| Free cash flow | $19.6M | $23.5M |
Where the revenue comes from
Southern Missouri Bancorp
- Net interest income: $45.9M (87%)
- Noninterest income: $7.1M (13%)
Home Bancorp
- Net interest income: $35.9M (90%)
- Noninterest income: $4.2M (10%)
Questions
Which is bigger, Southern Missouri Bancorp or Home Bancorp?
Southern Missouri Bancorp is the larger company: $53.1M of revenue in its latest quarter (Q1 FY27) against $40.1M for Home Bancorp (Q3 2026).
Is Southern Missouri Bancorp or Home Bancorp growing faster?
Southern Missouri Bancorp is growing faster (+8% against +6% a year earlier).
Which is more profitable, Southern Missouri Bancorp or Home Bancorp?
Southern Missouri Bancorp is more profitable, with an operating margin of 44.4% against 31.8%.
More: Southern Missouri Bancorp earnings · how Southern Missouri Bancorp makes money · Home Bancorp earnings · how Home Bancorp makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Nov 4, 2026). Fiscal quarters can end on different dates. Not investment advice.