Great Southern Bancorp (NASDAQ:GSBC) vs. Richmond Mutual Bancorporation (NASDAQ:RMBI) Head to Head Survey

Great Southern Bancorp (NASDAQ:GSBCGet Free Report) and Richmond Mutual Bancorporation (NASDAQ:RMBIGet Free Report) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their earnings, profitability, dividends, risk, valuation, analyst recommendations and institutional ownership.

Profitability

This table compares Great Southern Bancorp and Richmond Mutual Bancorporation’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Great Southern Bancorp 18.31% 10.97% 1.05%
Richmond Mutual Bancorporation 11.72% 6.93% 0.62%

Volatility and Risk

Great Southern Bancorp has a beta of 0.65, indicating that its stock price is 35% less volatile than the S&P 500. Comparatively, Richmond Mutual Bancorporation has a beta of 0.62, indicating that its stock price is 38% less volatile than the S&P 500.

Dividends

Great Southern Bancorp pays an annual dividend of $1.60 per share and has a dividend yield of 3.0%. Richmond Mutual Bancorporation pays an annual dividend of $0.56 per share and has a dividend yield of 4.7%. Great Southern Bancorp pays out 31.4% of its earnings in the form of a dividend. Richmond Mutual Bancorporation pays out 64.4% 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. Great Southern Bancorp has raised its dividend for 10 consecutive years and Richmond Mutual Bancorporation has raised its dividend for 3 consecutive years.

Earnings & Valuation

This table compares Great Southern Bancorp and Richmond Mutual Bancorporation’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Great Southern Bancorp $213.83 million 2.89 $67.80 million $5.09 10.40
Richmond Mutual Bancorporation $72.02 million 1.83 $9.49 million $0.87 13.69

Great Southern Bancorp has higher revenue and earnings than Richmond Mutual Bancorporation. Great Southern 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.

Insider & Institutional Ownership

41.7% of Great Southern Bancorp shares are held by institutional investors. Comparatively, 26.5% of Richmond Mutual Bancorporation shares are held by institutional investors. 27.7% of Great Southern Bancorp shares are held by company insiders. Comparatively, 8.2% of Richmond Mutual Bancorporation shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Analyst Ratings

This is a summary of recent ratings and price targets for Great Southern Bancorp and Richmond Mutual Bancorporation, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Great Southern Bancorp 0 2 0 0 2.00
Richmond Mutual Bancorporation 0 0 0 0 N/A

Great Southern Bancorp presently has a consensus target price of $57.50, suggesting a potential upside of 8.63%. Given Great Southern Bancorp’s higher possible upside, equities analysts clearly believe Great Southern Bancorp is more favorable than Richmond Mutual Bancorporation.

Summary

Great Southern Bancorp beats Richmond Mutual Bancorporation on 13 of the 15 factors compared between the two stocks.

About Great Southern Bancorp

(Get Free Report)

Great Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that provides a range of financial services in the United States. Its deposit products include regular savings accounts, checking accounts, money market accounts, fixed interest rate certificates with varying maturities, certificates of deposit, brokered certificates, and individual retirement accounts. The company's loan portfolio comprises residential and commercial real estate loans, commercial business loans, construction loans, home improvement loans, and unsecured consumer loans, as well as secured consumer loans, such as automobile loans, boat loans, home equity loans, and loans secured by savings deposits. It also provides insurance and merchant banking services. The company was founded in 1923 and is headquartered in Springfield, Missouri.

About Richmond Mutual Bancorporation

(Get Free Report)

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.

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