Richmond Mutual Bancorporation (RMBI) Competitors

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

Which has higher valuation and earnings, RMBI or SMBK?

SmartFinancial has higher revenue and earnings than Richmond Mutual Bancorporation. Richmond Mutual Bancorporation is trading at a lower price-to-earnings ratio than SmartFinancial, 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	$85.28M	1.70	$9.38M	$0.88	15.87
SmartFinancial	$178.24M	3.44	$36.14M	$2.26	15.96

Is RMBI or SMBK more profitable?

SmartFinancial has a net margin of 12.67% compared to Richmond Mutual Bancorporation's net margin of 10.35%. 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
Richmond Mutual Bancorporation	10.35%	6.71%	0.60%
SmartFinancial	12.67%	7.33%	0.71%

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

26.5% of Richmond Mutual Bancorporation shares are owned by institutional investors. Comparatively, 58.8% of SmartFinancial shares are owned by institutional investors. 8.2% of Richmond Mutual Bancorporation shares are owned by insiders. Comparatively, 7.6% of SmartFinancial 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.

Is RMBI or SMBK a better dividend stock?

Richmond Mutual Bancorporation pays an annual dividend of $0.60 per share and has a dividend yield of 4.3%. SmartFinancial pays an annual dividend of $0.32 per share and has a dividend yield of 0.9%. Richmond Mutual Bancorporation pays out 68.2% of its earnings in the form of a dividend. SmartFinancial pays out 14.2% 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. Richmond Mutual Bancorporation has increased its dividend for 1 consecutive years and SmartFinancial has increased its dividend for 3 consecutive years.

Do analysts rate RMBI or SMBK?

SmartFinancial has a consensus price target of $33.70, suggesting a potential downside of 6.60%. Given SmartFinancial's stronger consensus rating and higher probable upside, analysts clearly believe SmartFinancial 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
SmartFinancial	0 Sell rating(s)	4 Hold rating(s)	0 Buy rating(s)	1 Strong Buy rating(s)	2.40

Which has more volatility & risk, RMBI or SMBK?

Richmond Mutual Bancorporation has a beta of 0.4, indicating that its share price is 60% less volatile than the S&P 500. Comparatively, SmartFinancial has a beta of 0.7, indicating that its share price is 30% less volatile than the S&P 500.

Does the media refer more to RMBI or SMBK?

In the previous week, Richmond Mutual Bancorporation had 3 more articles in the media than SmartFinancial. MarketBeat recorded 3 mentions for Richmond Mutual Bancorporation and 0 mentions for SmartFinancial. Richmond Mutual Bancorporation's average media sentiment score of 0.37 beat SmartFinancial's score of 0.00 indicating that Richmond Mutual Bancorporation is being referred to more favorably in the media.

Company	Overall Sentiment
Richmond Mutual Bancorporation	Neutral
SmartFinancial	Neutral

Summary

SmartFinancial beats Richmond Mutual Bancorporation on 15 of the 19 factors compared between the two stocks.