Richmond Mutual Bancorporation (RMBI) Competitors

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

Do institutionals and insiders believe in MSBI or RMBI?

60.9% of Midland States Bancorp shares are owned by institutional investors. Comparatively, 26.5% of Richmond Mutual Bancorporation shares are owned by institutional investors. 5.6% of Midland States Bancorp shares are owned by company insiders. Comparatively, 8.2% of Richmond Mutual Bancorporation shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Does the media refer more to MSBI or RMBI?

In the previous week, Richmond Mutual Bancorporation had 3 more articles in the media than Midland States Bancorp. MarketBeat recorded 3 mentions for Richmond Mutual Bancorporation and 0 mentions for Midland States Bancorp. Richmond Mutual Bancorporation's average media sentiment score of 0.56 beat Midland States Bancorp's score of 0.00 indicating that Richmond Mutual Bancorporation is being referred to more favorably in the news media.

Company	Overall Sentiment
Midland States Bancorp	Neutral
Richmond Mutual Bancorporation	Positive

Is MSBI or RMBI a better dividend stock?

Midland States Bancorp pays an annual dividend of $1.24 per share and has a dividend yield of 4.5%. Richmond Mutual Bancorporation pays an annual dividend of $0.56 per share and has a dividend yield of 4.0%. Midland States Bancorp pays out 53.7% of its earnings in the form of a dividend. Richmond Mutual Bancorporation pays out 65.1% 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. Midland States Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.

Does the MarketBeat Community prefer MSBI or RMBI?

Midland States Bancorp received 165 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 46.58% of users gave Midland States Bancorp an outperform vote.

Company	Underperform	Outperform
Midland States Bancorp	Outperform Votes 177 46.58%	Underperform Votes 203 53.42%
Richmond Mutual Bancorporation	Outperform Votes 12 57.14%	Underperform Votes 9 42.86%

Is MSBI or RMBI more profitable?

Midland States Bancorp has a net margin of 12.13% compared to Richmond Mutual Bancorporation's net margin of 10.62%. Midland States Bancorp's return on equity of 8.90% beat Richmond Mutual Bancorporation's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Midland States Bancorp	12.13%	8.90%	0.78%
Richmond Mutual Bancorporation	10.62%	6.57%	0.60%

Which has stronger valuation and earnings, MSBI or RMBI?

Midland States Bancorp has higher revenue and earnings than Richmond Mutual Bancorporation. Midland States Bancorp 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
Midland States Bancorp	$297.18M	1.97	$75.46M	$2.31	11.86
Richmond Mutual Bancorporation	$72.02M	2.11	$9.49M	$0.86	16.16

Do analysts rate MSBI or RMBI?

Midland States Bancorp currently has a consensus price target of $26.00, indicating a potential downside of 5.07%. Given Midland States Bancorp's stronger consensus rating and higher probable upside, equities analysts clearly believe Midland States Bancorp is more favorable than Richmond Mutual Bancorporation.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Midland States Bancorp	0 Sell rating(s)	3 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
Richmond Mutual Bancorporation	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Which has more risk and volatility, MSBI or RMBI?

Midland States Bancorp has a beta of 0.74, meaning that its share price is 26% less volatile than the S&P 500. Comparatively, Richmond Mutual Bancorporation has a beta of 0.64, meaning that its share price is 36% less volatile than the S&P 500.

Summary

Midland States Bancorp beats Richmond Mutual Bancorporation on 13 of the 19 factors compared between the two stocks.