Richmond Mutual Bancorporation (NASDAQ:RMBI – Get Free Report) and Pioneer Bancorp (NASDAQ:PBFS – Get Free Report) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their earnings, risk, valuation, dividends, analyst recommendations, institutional ownership and profitability.
Insider and Institutional Ownership
26.5% of Richmond Mutual Bancorporation shares are owned by institutional investors. 8.2% of Richmond Mutual Bancorporation shares are owned by insiders. Comparatively, 2.8% of Pioneer Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Valuation and Earnings
This table compares Richmond Mutual Bancorporation and Pioneer Bancorp”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Richmond Mutual Bancorporation | $90.97 million | 2.78 | $11.58 million | $1.21 | 12.45 |
| Pioneer Bancorp | $104.65 million | 4.15 | $13.41 million | $0.54 | 32.41 |
Pioneer Bancorp has higher revenue and earnings than Richmond Mutual Bancorporation. Richmond Mutual Bancorporation is trading at a lower price-to-earnings ratio than Pioneer Bancorp, indicating that it is currently the more affordable of the two stocks.
Analyst Ratings
This is a breakdown of current ratings and recommmendations for Richmond Mutual Bancorporation and Pioneer Bancorp, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Richmond Mutual Bancorporation | 0 | 0 | 0 | 1 | 4.00 |
| Pioneer Bancorp | 0 | 0 | 1 | 0 | 3.00 |
Profitability
This table compares Richmond Mutual Bancorporation and Pioneer Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Richmond Mutual Bancorporation | 13.00% | 8.30% | 0.79% |
| Pioneer Bancorp | N/A | 4.05% | 0.58% |
Risk and Volatility
Richmond Mutual Bancorporation has a beta of 0.31, suggesting that its stock price is 69% less volatile than the S&P 500. Comparatively, Pioneer Bancorp has a beta of 0.4, suggesting that its stock price is 60% less volatile than the S&P 500.
Summary
Richmond Mutual Bancorporation beats Pioneer Bancorp on 8 of the 14 factors compared between the two stocks.
About Richmond Mutual Bancorporation
Richmond Mutual Bancorporation, Inc. operates as the bank holding company for First Bank Richmond that provides various banking services. It accepts various deposits, including savings deposit accounts, money market accounts, NOW and demand accounts, and certificates of deposit. The company also offers a range of lending products, such as multi-family and commercial real estate loans, commercial and industrial loans, construction and development loans, residential real estate loans, and consumer loans. In addition, it engages in the lease financing business; and provision of fee-based financial services comprising trust and estate administration, investment management, retirement plan administration, and private banking services. The company was founded in 1887 and is headquartered in Richmond, Indiana.
About Pioneer Bancorp
Pioneer Bancorp, Inc. operates as a holding company for Pioneer Savings Bank that provides various banking products and services in New York. The company accepts various deposit products, such as demand, savings, and money market accounts, as well as certificates of deposit accounts. Its loan products include commercial real estate, commercial and industrial, commercial construction, residential mortgage lending, consumer loans, and home equity lines of credit. The company also invests in the U.S. governmental securities, fixed rate collateralized mortgage obligations, mortgage-backed securities, fixed-rate investment grade bonds, and equity securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and services, such as group health, dental, disability, and life insurance products, as well as defined contribution, defined benefit administration, and human resource management services; and wealth management services comprising investment advice, retirement income planning, estate planning, business succession, and employer retirement planning. The company was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp, MHC.
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