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 business? We will compare the two businesses based on the strength of their earnings, analyst recommendations, dividends, institutional ownership, community ranking, media sentiment, valuation, profitability and risk.

Is RMBI or SMBK more profitable?

SmartFinancial has a net margin of 12.67% compared to Richmond Mutual Bancorporation's net margin of 10.99%. 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	10.99%	6.97%	0.63%
SmartFinancial	12.67%	7.33%	0.71%

Do analysts rate RMBI or SMBK?

SmartFinancial has a consensus price target of $30.70, suggesting a potential downside of 12.78%. Given SmartFinancial's stronger consensus rating and higher probable upside, analysts plainly 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 0.64, indicating that its share price is 36% 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 MarketBeat Community favor RMBI or SMBK?

SmartFinancial received 181 more outperform votes than Richmond Mutual Bancorporation when rated by MarketBeat users. Likewise, 58.31% of users gave SmartFinancial an outperform vote while only 57.14% of users gave Richmond Mutual Bancorporation an outperform vote.

Company	Underperform	Outperform
Richmond Mutual Bancorporation	Outperform Votes 12 57.14%	Underperform Votes 9 42.86%
SmartFinancial	Outperform Votes 193 58.31%	Underperform Votes 138 41.69%

Does the media refer more to RMBI or SMBK?

In the previous week, SmartFinancial had 7 more articles in the media than Richmond Mutual Bancorporation. MarketBeat recorded 9 mentions for SmartFinancial and 2 mentions for Richmond Mutual Bancorporation. Richmond Mutual Bancorporation's average media sentiment score of 0.92 beat SmartFinancial's score of 0.70 indicating that Richmond Mutual Bancorporation is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Richmond Mutual Bancorporation	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
SmartFinancial	5 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do insiders & institutionals have more ownership in 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, 7.7% of SmartFinancial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Which has stronger earnings and valuation, 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	1.85	$9.38M	$0.91	15.89
SmartFinancial	$285.27M	2.09	$28.59M	$2.14	16.45

Is RMBI or SMBK a better dividend stock?

Richmond Mutual Bancorporation pays an annual dividend of $0.56 per share and has a dividend yield of 3.9%. SmartFinancial pays an annual dividend of $0.32 per share and has a dividend yield of 0.9%. Richmond Mutual Bancorporation pays out 61.5% of its earnings in the form of a dividend. SmartFinancial pays out 15.0% 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.

Summary

SmartFinancial beats Richmond Mutual Bancorporation on 17 of the 20 factors compared between the two stocks.