Richmond Mutual Bancorporation (RMBI) Competitors

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

Which has stronger valuation & earnings, RMBI or JFIN?

Jiayin Group has higher revenue and earnings than Richmond Mutual Bancorporation. Jiayin Group 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
Richmond Mutual Bancorporation	$43.75M	3.33	$9.38M	$0.88	15.80
Jiayin Group	$5.80B	0.10	$182.75M	$2.76	3.91

Is RMBI or JFIN a better dividend stock?

Richmond Mutual Bancorporation pays an annual dividend of $0.60 per share and has a dividend yield of 4.3%. Jiayin Group pays an annual dividend of $0.49 per share and has a dividend yield of 4.5%. Richmond Mutual Bancorporation pays out 68.2% of its earnings in the form of a dividend. Jiayin Group pays out 17.8% 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. Jiayin Group is clearly the better dividend stock, given its higher yield and lower payout ratio.

Does the media favor RMBI or JFIN?

In the previous week, Jiayin Group had 2 more articles in the media than Richmond Mutual Bancorporation. MarketBeat recorded 3 mentions for Jiayin Group and 1 mentions for Richmond Mutual Bancorporation. Richmond Mutual Bancorporation's average media sentiment score of 1.09 beat Jiayin Group's score of 0.88 indicating that Richmond Mutual Bancorporation is being referred to more favorably in the media.

Company	Overall Sentiment
Richmond Mutual Bancorporation	Positive
Jiayin Group	Positive

Is RMBI or JFIN more profitable?

Jiayin Group has a net margin of 19.17% compared to Richmond Mutual Bancorporation's net margin of 10.99%. Jiayin Group's return on equity of 43.90% beat Richmond Mutual Bancorporation's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Richmond Mutual Bancorporation	10.99%	6.97%	0.63%
Jiayin Group	19.17%	43.90%	21.31%

Which has more volatility & risk, RMBI or JFIN?

Richmond Mutual Bancorporation has a beta of 0.44, meaning that its share price is 56% less volatile than the S&P 500. Comparatively, Jiayin Group has a beta of 0.62, meaning that its share price is 38% less volatile than the S&P 500.

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

26.5% of Richmond Mutual Bancorporation shares are owned by institutional investors. Comparatively, 44.1% of Jiayin Group shares are owned by institutional investors. 8.2% of Richmond Mutual Bancorporation shares are owned by company insiders. Comparatively, 51.2% of Jiayin Group shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Does the MarketBeat Community prefer RMBI or JFIN?

Jiayin Group received 25 more outperform votes than Richmond Mutual Bancorporation when rated by MarketBeat users. However, 57.14% of users gave Richmond Mutual Bancorporation an outperform vote while only 52.86% of users gave Jiayin Group an outperform vote.

Company	Underperform	Outperform
Richmond Mutual Bancorporation	Outperform Votes 12 57.14%	Underperform Votes 9 42.86%
Jiayin Group	Outperform Votes 37 52.86%	Underperform Votes 33 47.14%

Summary

Jiayin Group beats Richmond Mutual Bancorporation on 13 of the 17 factors compared between the two stocks.