Richmond Mutual Bancorporation (RMBI) Competitors

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

Is RMBI or ALRS a better dividend stock?

Richmond Mutual Bancorporation pays an annual dividend of $0.60 per share and has a dividend yield of 4.5%. Alerus Financial pays an annual dividend of $0.84 per share and has a dividend yield of 3.8%. Richmond Mutual Bancorporation pays out 68.2% of its earnings in the form of a dividend. Alerus Financial pays out 68.9% 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 raised its dividend for 1 consecutive years and Alerus Financial has raised its dividend for 25 consecutive years. Richmond Mutual Bancorporation is clearly the better dividend stock, given its higher yield and lower payout ratio.

Do analysts rate RMBI or ALRS?

Alerus Financial has a consensus target price of $23.00, suggesting a potential upside of 5.41%. Given Alerus Financial's stronger consensus rating and higher probable upside, analysts plainly believe Alerus Financial 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
Alerus Financial	0 Sell rating(s)	3 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.25

Which has more volatility and risk, RMBI or ALRS?

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

Does the media prefer RMBI or ALRS?

In the previous week, Richmond Mutual Bancorporation had 1 more articles in the media than Alerus Financial. MarketBeat recorded 3 mentions for Richmond Mutual Bancorporation and 2 mentions for Alerus Financial. Alerus Financial's average media sentiment score of 1.87 beat Richmond Mutual Bancorporation's score of 0.62 indicating that Alerus Financial is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Richmond Mutual Bancorporation	0 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Alerus Financial	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive

Which has preferable valuation and earnings, RMBI or ALRS?

Alerus Financial has higher revenue and earnings than Richmond Mutual Bancorporation. Richmond Mutual Bancorporation is trading at a lower price-to-earnings ratio than Alerus Financial, 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	1.63	$9.38M	$0.88	15.19
Alerus Financial	$336.51M	1.65	$17.78M	$1.22	17.89

Do insiders and institutionals have more ownership in RMBI or ALRS?

26.5% of Richmond Mutual Bancorporation shares are owned by institutional investors. Comparatively, 51.3% of Alerus Financial shares are owned by institutional investors. 8.2% of Richmond Mutual Bancorporation shares are owned by insiders. Comparatively, 4.2% of Alerus Financial 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.

Is RMBI or ALRS more profitable?

Richmond Mutual Bancorporation has a net margin of 10.35% compared to Alerus Financial's net margin of 7.81%. Alerus Financial's return on equity of 8.32% 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%
Alerus Financial	7.81%	8.32%	0.77%

Summary

Alerus Financial beats Richmond Mutual Bancorporation on 14 of the 19 factors compared between the two stocks.