Southern Missouri Bancorp Inc (SMBC)vsWells Fargo & Company (WFC)
SMBC
Southern Missouri Bancorp Inc
$68.24
+0.07%
FINANCIAL SERVICES · Cap: $768.52M
WFC
Wells Fargo & Company
$82.23
+0.88%
FINANCIAL SERVICES · Cap: $249.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 43584% more annual revenue ($81.14B vs $185.73M). SMBC leads profitability with a 36.3% profit margin vs 26.7%. SMBC appears more attractively valued with a PEG of 1.07. WFC earns a higher WallStSmart Score of 74/100 (B).
SMBC
Strong Buy68
out of 100
Grade: B-
WFC
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 48.3%
Attractively priced relative to earnings
Mega-cap, among the largest globally
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 29.4%
Generating 4.1B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : SMBC
The strongest argument for SMBC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 36.3% and operating margin at 48.3%. PEG of 1.07 suggests the stock is reasonably priced for its growth.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Profit Margin, P/E Ratio. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.45 suggests the stock is reasonably priced for its growth.
Bear Case : SMBC
The primary concerns for SMBC are Market Cap.
Bear Case : WFC
The primary concerns for WFC are Altman Z-Score.
Key Dynamics to Monitor
WFC carries more volatility with a beta of 1.06 — expect wider price swings.
SMBC is growing revenue faster at 6.5% — sustainability is the question.
WFC generates stronger free cash flow (4.1B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
WFC scores higher overall (74/100 vs 68/100), backed by strong 26.7% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Southern Missouri Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Southern Missouri Bancorp, Inc. is the banking holding company for Southern Bank providing banking and financial services to individual and corporate clients in the United States. The company is headquartered in Poplar Bluff, Missouri.
Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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