Richmond Mutual Bancorporation (RMBI) Competitors

Richmond Mutual Bancorporation (NASDAQ:RMBI) and Northpointe Bancshares (NYSE:NPB) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, risk, earnings, dividends, analyst recommendations, institutional ownership, profitability and media sentiment.

Which has higher valuation & earnings, RMBI or NPB?

Northpointe Bancshares has higher revenue and earnings than Richmond Mutual Bancorporation.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Richmond Mutual Bancorporation	$85.28M	1.82	$9.38M	$0.94	15.85
Northpointe Bancshares	$390.45M	1.62	$55.16M	N/A	N/A

Do insiders and institutionals hold more shares of RMBI or NPB?

26.5% of Richmond Mutual Bancorporation shares are held by institutional investors. 8.2% of Richmond Mutual Bancorporation shares are held by company insiders. Comparatively, 18.4% of Northpointe Bancshares shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Is RMBI or NPB more profitable?

Richmond Mutual Bancorporation has a net margin of 10.83% compared to Northpointe Bancshares' net margin of 0.00%. Richmond Mutual Bancorporation's return on equity of 7.10% beat Northpointe Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Richmond Mutual Bancorporation	10.83%	7.10%	0.63%
Northpointe Bancshares	N/A	N/A	N/A

Does the media prefer RMBI or NPB?

In the previous week, Northpointe Bancshares had 5 more articles in the media than Richmond Mutual Bancorporation. MarketBeat recorded 5 mentions for Northpointe Bancshares and 0 mentions for Richmond Mutual Bancorporation. Northpointe Bancshares' average media sentiment score of 1.01 beat Richmond Mutual Bancorporation's score of 0.00 indicating that Northpointe Bancshares is being referred to more favorably in the news media.

Company	Overall Sentiment
Richmond Mutual Bancorporation	Neutral
Northpointe Bancshares	Positive

Do analysts prefer RMBI or NPB?

Northpointe Bancshares has a consensus target price of $18.25, suggesting a potential downside of 0.71%. Given Northpointe Bancshares' stronger consensus rating and higher probable upside, analysts clearly believe Northpointe Bancshares is more favorable than Richmond Mutual Bancorporation.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Richmond Mutual Bancorporation	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
Northpointe Bancshares	0 Sell rating(s)	1 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.67

Is RMBI or NPB a better dividend stock?

Richmond Mutual Bancorporation pays an annual dividend of $0.60 per share and has a dividend yield of 4.0%. Northpointe Bancshares pays an annual dividend of $0.10 per share and has a dividend yield of 0.5%. Richmond Mutual Bancorporation pays out 63.8% of its earnings in the form of a dividend. Richmond Mutual Bancorporation has raised its dividend for 1 consecutive years. Richmond Mutual Bancorporation is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

Northpointe Bancshares beats Richmond Mutual Bancorporation on 9 of the 16 factors compared between the two stocks.