Richmond Mutual Bancorporation, Inc. (RMBI) vs Western New England Bancorp (WNEB)

Richmond Mutual Bancorporation, Inc. and Western New England Bancorp are both Banks Regional companies. Richmond Mutual Bancorporation, Inc. and Western New England Bancorp are of similar size ($271.3M and $262.8M). Richmond Mutual Bancorporation, Inc. trades at the lower P/E: 12.6× against 13.7×. Western New England Bancorp grew revenue faster over the last twelve months: 5.84% against 5.17%. Western New England Bancorp has the higher net margin (14.5% vs 13.0%) and the lower return on invested capital (7.15% vs 9.16%). Both pay a dividend; Richmond Mutual Bancorporation, Inc. yields more (3.83% vs 2.05%). Across the 19 metrics below, Richmond Mutual Bancorporation, Inc. leads on 14 and Western New England Bancorp on 5.

Valuation

Metric RMBI WNEB Banks Regional median
P/E 12.62 13.65 12.02
P/S 1.64 1.96 2.36
P/B 1.02 1.10 1.23
Price to free cash flow 11.18 15.57 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.92% 7.33% 8.21%
Free cash flow yield 8.95% 6.42% 9.23%

Profitability

Metric RMBI WNEB Banks Regional median
Gross margin 56.30% 66.43% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 13.00% 14.53% 18.82%
Free cash flow margin 14.68% 0.00% 17.97%
Return on equity 8.57% 8.14% 10.28%
Return on assets 0.79% 0.73% 1.13%
Return on invested capital 9.16% 7.15% 8.45%

Growth

Metric RMBI WNEB Banks Regional median
Revenue growth (TTM) 5.17% 5.84% 6.37%
EPS growth (last fiscal year) 27.17% 33.93% 18.85%
Revenue growth, 5-year CAGR 12.87% 7.32% 12.65%
Net income growth, 5-year CAGR 2.94% 6.37% 9.81%

Health

Metric RMBI WNEB Banks Regional median
Debt to equity 0.00 0.18 0.17
Current ratio 0.90 0.00 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric RMBI WNEB Banks Regional median
Dividend yield 3.83% 2.05% 2.49%
Payout ratio 0.50 0.28 0.29

Size

Metric RMBI WNEB Banks Regional median
Market cap 262.78m 271.28m 934.85m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack