Analyzing Third Coast Bancshares (NASDAQ:TCBX) & Southern Missouri Bancorp (NASDAQ:SMBC)

Southern Missouri Bancorp (NASDAQ:SMBCGet Rating) and Third Coast Bancshares (NASDAQ:TCBXGet Rating) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their risk, institutional ownership, dividends, profitability, analyst recommendations, earnings and valuation.

Analyst Recommendations

This is a breakdown of current ratings for Southern Missouri Bancorp and Third Coast Bancshares, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Southern Missouri Bancorp 0 0 0 0 N/A
Third Coast Bancshares 0 1 2 0 2.67

Third Coast Bancshares has a consensus target price of $28.67, indicating a potential upside of 26.45%. Given Third Coast Bancshares’ higher possible upside, analysts plainly believe Third Coast Bancshares is more favorable than Southern Missouri Bancorp.

Valuation & Earnings

This table compares Southern Missouri Bancorp and Third Coast Bancshares’ revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Southern Missouri Bancorp $129.52 million 2.90 $47.18 million $5.34 7.90
Third Coast Bancshares $105.49 million 2.89 $11.42 million N/A N/A

Southern Missouri Bancorp has higher revenue and earnings than Third Coast Bancshares.

Profitability

This table compares Southern Missouri Bancorp and Third Coast Bancshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Southern Missouri Bancorp 36.05% 16.30% 1.71%
Third Coast Bancshares N/A N/A N/A

Insider and Institutional Ownership

51.4% of Southern Missouri Bancorp shares are owned by institutional investors. Comparatively, 0.8% of Third Coast Bancshares shares are owned by institutional investors. 15.8% of Southern Missouri Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Summary

Southern Missouri Bancorp beats Third Coast Bancshares on 8 of the 10 factors compared between the two stocks.

Southern Missouri Bancorp Company Profile (Get Rating)

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. The company offers business banking, business financing, and business services. It also provides personal banking services, which include online and mobile banking, checking and savings, mortgage and refinance, and loans and credit services. In addition, the company offers investing and insurance services. Further, it provides accounts and digital banking services; and debit or credit cards. As of June 30, 2021, the company operated 46 full-service branch offices, and two limited-service branch offices located in Poplar Bluff, Van Buren, Dexter, Kennett, Doniphan, Sikeston, Qulin, Matthews, Springfield, Thayer, West Plains, Alton, Clever, Forsyth, Fremont Hills, Kimberling City, Ozark, Nixa, Rogersville, Marshfield, Cape Girardeau, Jackson, Gideon, Chaffee, Benton, Advance, Bloomfield, Essex, and Rolla, Missouri; Jonesboro, Paragould, Batesville, Searcy, Bald Knob, Bradford, and Cabot, Arkansas; and Anna, Cairo, and Tamms, Illinois. Southern Missouri Bancorp, Inc. was founded in 1887 and is headquartered in Poplar Bluff, Missouri.

Third Coast Bancshares Company Profile (Get Rating)

Third Coast Bancshares, Inc. operates as a bank holding company for Third Coast Bank, SSB that provides various commercial banking solutions to small and medium-sized businesses, and professionals. The company's deposit products include checking, savings, individual retirement, and money market accounts, as well as certificates of deposit. It also offers commercial and industrial loans, such as equipment loans, working capital, auto finance, and commercial finance. In addition, the company provides treasury management consumer and commercial online banking services, mobile applications, safe deposit boxes, and wire transfer services, as well as debit cards. It operates through eleven branches in Greater Houston, Dallas-Fort Worth, and Austin-San Antonio; and one branch in Detroit, Texas. The company was founded in 2008 and is headquartered in Humble, Texas.

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