Richmond Mutual Bancorporation (RMBI) Competitors

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

Is SMBK or RMBI more profitable?

SmartFinancial has a net margin of 12.67% compared to Richmond Mutual Bancorporation's net margin of 10.83%. SmartFinancial's return on equity of 7.33% beat Richmond Mutual Bancorporation's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
SmartFinancial	12.67%	7.33%	0.71%
Richmond Mutual Bancorporation	10.83%	7.10%	0.63%

Does the media refer more to SMBK or RMBI?

In the previous week, SmartFinancial and SmartFinancial both had 1 articles in the media. Richmond Mutual Bancorporation's average media sentiment score of 1.88 beat SmartFinancial's score of 0.92 indicating that Richmond Mutual Bancorporation is being referred to more favorably in the news media.

Company	Overall Sentiment
SmartFinancial	Positive
Richmond Mutual Bancorporation	Very Positive

Is SMBK or RMBI a better dividend stock?

SmartFinancial pays an annual dividend of $0.32 per share and has a dividend yield of 0.9%. Richmond Mutual Bancorporation pays an annual dividend of $0.60 per share and has a dividend yield of 4.2%. SmartFinancial pays out 13.0% of its earnings in the form of a dividend. Richmond Mutual Bancorporation pays out 63.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. SmartFinancial has raised its dividend for 3 consecutive years and Richmond Mutual Bancorporation has raised its dividend for 1 consecutive years.

Do analysts prefer SMBK or RMBI?

SmartFinancial currently has a consensus target price of $38.25, suggesting a potential upside of 7.08%. Given SmartFinancial's stronger consensus rating and higher probable upside, equities analysts clearly believe SmartFinancial is more favorable than Richmond Mutual Bancorporation.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
SmartFinancial	0 Sell rating(s)	3 Hold rating(s)	0 Buy rating(s)	1 Strong Buy rating(s)	2.50
Richmond Mutual Bancorporation	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Which has better earnings and valuation, SMBK or RMBI?

SmartFinancial has higher revenue and earnings than Richmond Mutual Bancorporation. SmartFinancial is trading at a lower price-to-earnings ratio than Richmond Mutual Bancorporation, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
SmartFinancial	$187.06M	3.25	$36.14M	$2.47	14.46
Richmond Mutual Bancorporation	$85.28M	1.75	$9.38M	$0.94	15.22

Do institutionals & insiders hold more shares of SMBK or RMBI?

58.8% of SmartFinancial shares are owned by institutional investors. Comparatively, 26.5% of Richmond Mutual Bancorporation shares are owned by institutional investors. 7.6% of SmartFinancial shares are owned by insiders. Comparatively, 8.2% of Richmond Mutual Bancorporation shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Which has more volatility & risk, SMBK or RMBI?

SmartFinancial has a beta of 0.76, meaning that its stock price is 24% less volatile than the S&P 500. Comparatively, Richmond Mutual Bancorporation has a beta of 0.4, meaning that its stock price is 60% less volatile than the S&P 500.

Summary

SmartFinancial beats Richmond Mutual Bancorporation on 15 of the 18 factors compared between the two stocks.