National Bankshares, Inc. (NKSH) vs Richmond Mutual Bancorporation, Inc. (RMBI)

National Bankshares, Inc. and Richmond Mutual Bancorporation, Inc. are both Banks Regional companies. National Bankshares, Inc. and Richmond Mutual Bancorporation, Inc. are of similar size ($262.8M and $251.1M). National Bankshares, Inc. trades at the lower P/E: 12.4× against 12.6×. National Bankshares, Inc. grew revenue faster over the last twelve months: 5.28% against 5.17%. National Bankshares, Inc. has the higher net margin (23.2% vs 13.0%) and the higher return on invested capital (11.2% vs 9.16%). Both pay a dividend; National Bankshares, Inc. yields more (3.87% vs 3.83%). Across the 18 metrics below, National Bankshares, Inc. leads on 11 and Richmond Mutual Bancorporation, Inc. on 7.

Valuation

Metric NKSH RMBI Banks Regional median
P/E 12.39 12.62 12.02
P/S 2.88 1.64 2.36
P/B 1.31 1.02 1.23
Price to free cash flow 13.65 11.18 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.07% 7.92% 8.21%
Free cash flow yield 7.33% 8.95% 9.23%

Profitability

Metric NKSH RMBI Banks Regional median
Gross margin 69.15% 56.30% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.22% 13.00% 18.82%
Free cash flow margin 21.07% 14.68% 17.97%
Return on equity 11.25% 8.57% 10.28%
Return on assets 1.12% 0.79% 1.13%
Return on invested capital 11.23% 9.16% 8.45%

Growth

Metric NKSH RMBI Banks Regional median
Revenue growth (TTM) 5.28% 5.17% 6.37%
EPS growth (last fiscal year) 100.81% 27.17% 18.85%
Revenue growth, 5-year CAGR 10.43% 12.87% 12.65%
Net income growth, 5-year CAGR (0.31%) 2.94% 9.81%

Health

Metric NKSH RMBI Banks Regional median
Debt to equity 0.00 0.00 0.17
Current ratio 0.65 0.90 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric NKSH RMBI Banks Regional median
Dividend yield 3.87% 3.83% 2.49%
Payout ratio 0.48 0.50 0.29

Size

Metric NKSH RMBI Banks Regional median
Market cap 251.07m 262.78m 934.85m

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