Head to Head Survey: Richmond Mutual Bancorporation (NASDAQ:RMBI) versus Pioneer Bancorp (NASDAQ:PBFS)

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

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%

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Richmond Mutual Bancorporation and Pioneer Bancorp, as provided 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

Valuation and Earnings

This table compares Richmond Mutual Bancorporation and Pioneer Bancorp”s gross 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.

Institutional and Insider Ownership

26.5% of Richmond Mutual Bancorporation shares are held by institutional investors. 8.2% of Richmond Mutual Bancorporation shares are held by insiders. Comparatively, 2.8% of Pioneer Bancorp shares are held by 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.

Volatility & Risk

Richmond Mutual Bancorporation has a beta of 0.31, indicating that its stock price is 69% less volatile than the S&P 500. Comparatively, Pioneer Bancorp has a beta of 0.4, indicating 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.