Analyzing Southern Missouri Bancorp (SMBC) & Quaint Oak Bancorp (OTCMKTS:QNTO)

Quaint Oak Bancorp (OTCMKTS:QNTO) and Southern Missouri Bancorp (NASDAQ:SMBC) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their institutional ownership, risk, valuation, profitability, earnings, analyst recommendations and dividends.

Profitability

This table compares Quaint Oak Bancorp and Southern Missouri Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Quaint Oak Bancorp 10.52% 8.58% 0.78%
Southern Missouri Bancorp 24.18% 13.84% 1.24%

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for Quaint Oak Bancorp and Southern Missouri Bancorp, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Quaint Oak Bancorp 0 0 0 0 N/A
Southern Missouri Bancorp 0 1 0 0 2.00

Volatility & Risk

Quaint Oak Bancorp has a beta of 0.38, indicating that its stock price is 62% less volatile than the S&P 500. Comparatively, Southern Missouri Bancorp has a beta of 0.74, indicating that its stock price is 26% less volatile than the S&P 500.

Valuation & Earnings

This table compares Quaint Oak Bancorp and Southern Missouri Bancorp’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Quaint Oak Bancorp $14.03 million 1.69 $1.46 million N/A N/A
Southern Missouri Bancorp $90.71 million 3.24 $20.92 million N/A N/A

Southern Missouri Bancorp has higher revenue and earnings than Quaint Oak Bancorp.

Dividends

Quaint Oak Bancorp pays an annual dividend of $0.28 per share and has a dividend yield of 2.3%. Southern Missouri Bancorp pays an annual dividend of $0.52 per share and has a dividend yield of 1.6%. Southern Missouri Bancorp has raised its dividend for 3 consecutive years.

Insider & Institutional Ownership

48.8% of Southern Missouri Bancorp shares are owned by institutional investors. 32.7% of Quaint Oak Bancorp shares are owned by insiders. Comparatively, 16.5% of Southern Missouri Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

Southern Missouri Bancorp beats Quaint Oak Bancorp on 10 of the 12 factors compared between the two stocks.

Quaint Oak Bancorp Company Profile

Quaint Oak Bancorp, Inc. operates as the holding company for Quaint Oak Bank that provides various banking products and services. It offers deposit products, such as savings accounts, non-interest bearing business and consumer checking accounts, and certificates of deposit. The company also provides one-to-four family residential real estate, multi-family residential, commercial real estate, construction, home equity, commercial business, and other consumer loans. In addition, it offers mortgage banking, real estate sales, title abstract, and insurance services; and correspondence, telephone, and online banking services. The company operates through its main office located in Bucks County, Pennsylvania and a regional office in Allentown, Pennsylvania. Quaint Oak Bancorp, Inc. was founded in 1926 and is headquartered in Southampton, Pennsylvania.

Southern Missouri Bancorp Company Profile

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. It offers various deposit instruments, including demand deposit accounts, negotiable order of withdrawal accounts, money market deposit accounts, saving accounts, certificates of deposit, and retirement savings plans. The company also provides loans for the acquisition or refinance of one-to four-family residences; loans secured by commercial real estate, including land, shopping centers, retail establishments, nursing homes and other healthcare related facilities, and other businesses; construction loans; and various secured consumer loans comprising home equity, direct and indirect automobile loans, second mortgages, mobile home loans, and loans secured by deposits. In addition, it offers commercial business loans, such as loans to finance accounts receivable, inventory, equipment, and operating lines of credit. As of June 30, 2018, the company operated 37 full-service branch offices, and 3 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, Jonesboro, Paragould, Batesville, Searcy, Bald Knob, Bradford, Anna, Cairo, and Tamms. Southern Missouri Bancorp, Inc. was founded in 1887 and is based in Poplar Bluff, Missouri.

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