Head-To-Head Survey: Richmond Mutual Bancorporation (NASDAQ:RMBI) vs. West Coast Community Bancorp (OTCMKTS:SCZC)

Institutional and Insider Ownership

9.7% of West Coast Community Bancorp shares are owned by institutional investors. Comparatively, 26.5% of Richmond Mutual Bancorporation shares are owned by institutional investors. 8.2% of Richmond Mutual Bancorporation shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Volatility & Risk

West Coast Community Bancorp has a beta of 0.79, suggesting that its stock price is 21% less volatile than the S&P 500. Comparatively, Richmond Mutual Bancorporation has a beta of 0.64, suggesting that its stock price is 36% less volatile than the S&P 500.

Earnings and Valuation

This table compares West Coast Community Bancorp and Richmond Mutual Bancorporation”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
West Coast Community Bancorp	$123.69 million	3.45	$29.58 million	$3.39	11.90
Richmond Mutual Bancorporation	$85.28 million	1.79	$9.38 million	$0.91	15.37

West Coast Community Bancorp has higher revenue and earnings than Richmond Mutual Bancorporation. West Coast Community 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.

Profitability

This table compares West Coast Community Bancorp and Richmond Mutual Bancorporation’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
West Coast Community Bancorp	23.91%	N/A	N/A
Richmond Mutual Bancorporation	10.99%	6.97%	0.63%

Dividends

West Coast Community Bancorp pays an annual dividend of $0.76 per share and has a dividend yield of 1.9%. Richmond Mutual Bancorporation pays an annual dividend of $0.56 per share and has a dividend yield of 4.0%. West Coast Community Bancorp pays out 22.4% of its earnings in the form of a dividend. Richmond Mutual Bancorporation pays out 61.5% 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.

Summary

West Coast Community Bancorp beats Richmond Mutual Bancorporation on 7 of the 13 factors compared between the two stocks.

About West Coast Community Bancorp

West Coast Community Bancorp operates as the bank holding company for Santa Cruz County Bank that provides a range of commercial and personal banking services to residents and businesses in the United States. It offers checking, savings, money market, certificate of deposits, and health savings accounts; and individual retirement account and retirement plans. The company also provides lending products, including real estate commercial property, construction, asset-based, lines of credit, SBA loans, 504 loan program, business and industry, farm services agency, agricultural, and wine industry lending. In addition, it provides debit and credit cards, merchant services, online and mobile banking, remote deposit services, wire and ACH manager, treasury management, payment, and cash management services. West Coast Community Bancorp was founded in 2004 and is headquartered in Santa Cruz, California.

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.