Blue Foundry Bancorp (NASDAQ:BLFY) vs. Richmond Mutual Bancorporation (NASDAQ:RMBI) Head to Head Survey

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Richmond Mutual Bancorporation	10.83%	7.10%	0.63%
Blue Foundry Bancorp	-12.49%	-3.45%	-0.55%

Valuation and Earnings

This table compares Richmond Mutual Bancorporation and Blue Foundry Bancorp”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Richmond Mutual Bancorporation	$85.28 million	1.76	$9.38 million	$0.94	15.30
Blue Foundry Bancorp	$87.25 million	2.21	-$11.91 million	($0.55)	-16.33

Richmond Mutual Bancorporation has higher earnings, but lower revenue than Blue Foundry Bancorp. Blue Foundry 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.

Analyst Ratings

This is a breakdown of recent ratings and target prices for Richmond Mutual Bancorporation and Blue Foundry Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Richmond Mutual Bancorporation	0	0	1	0	3.00
Blue Foundry Bancorp	1	1	0	0	1.50

Blue Foundry Bancorp has a consensus price target of $10.00, indicating a potential upside of 11.36%. Given Blue Foundry Bancorp’s higher probable upside, analysts plainly believe Blue Foundry Bancorp is more favorable than Richmond Mutual Bancorporation.

Insider and Institutional Ownership

26.5% of Richmond Mutual Bancorporation shares are held by institutional investors. Comparatively, 56.5% of Blue Foundry Bancorp shares are held by institutional investors. 8.2% of Richmond Mutual Bancorporation shares are held by insiders. Comparatively, 5.3% of Blue Foundry Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Volatility and Risk

Richmond Mutual Bancorporation has a beta of 0.4, indicating that its share price is 60% less volatile than the S&P 500. Comparatively, Blue Foundry Bancorp has a beta of 0.6, indicating that its share price is 40% less volatile than the S&P 500.

Summary

Richmond Mutual Bancorporation beats Blue Foundry Bancorp on 9 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 Blue Foundry Bancorp

Blue Foundry Bancorp operates as a bank holding company for Blue Foundry Bank, a savings bank that offers various banking products and services for individuals and businesses in the United States. The company offers saving, time, and non-interest bearing deposits; demand accounts; and loans, such as one-to-four family residential property, multi-family, residential real estate, non-residential real estate, consumer, construction, and commercial and industrial loans, as well as junior liens and home equity lines of credit. The company was formerly known as Boiling Springs Bancorp and changed its name to Blue Foundry Bancorp in July 2019. Blue Foundry Bancorp was founded in 1939 and is based in Rutherford, New Jersey.