RICHMOND MUTUAL BANCORPORATI (RMBI) Stock Fundamental Analysis
USA - NASDAQ:RMBI - US76525P1003 - Common Stock
13.33 USD
-0.08 (-0.6%)
13.33 USD
0 (0%)
Taking everything into account, RMBI scores 3 out of 10 in our fundamental rating. RMBI was compared to 390 industry peers in the Banks industry. RMBI scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. RMBI has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
RMBI had positive earnings in the past year.
In the past year RMBI had a positive cash flow from operations.
RMBI had positive earnings in each of the past 5 years.
RMBI had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
RMBI has a worse Return On Assets (0.63%) than 68.46% of its industry peers.
RMBI has a worse Return On Equity (7.19%) than 61.28% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.63% | ||
| ROE | 7.19% | ||
| ROIC | N/A |
ROA(3y)0.75%
ROA(5y)0.81%
ROE(3y)7.95%
ROE(5y)7.04%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
RMBI's Profit Margin of 21.12% is on the low side compared to the rest of the industry. RMBI is outperformed by 60.51% of its industry peers.
In the last couple of years the Profit Margin of RMBI has declined.
RMBI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 21.12% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.44%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
RMBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
RMBI has less shares outstanding than it did 1 year ago.
The number of shares outstanding for RMBI has been reduced compared to 5 years ago.
RMBI has a better debt/assets ratio than last year.
2.2 Solvency
RMBI has a debt to FCF ratio of 0.04. This is a very positive value and a sign of high solvency as it would only need 0.04 years to pay back of all of its debts.
RMBI has a better Debt to FCF ratio (0.04) than 87.69% of its industry peers.
A Debt/Equity ratio of 0.01 indicates that RMBI is not too dependend on debt financing.
RMBI has a Debt to Equity ratio of 0.01. This is amongst the best in the industry. RMBI outperforms 86.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.04 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.28%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
RMBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.85%, which is quite good.
RMBI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.52% yearly.
Looking at the last year, RMBI shows a small growth in Revenue. The Revenue has grown by 6.19% in the last year.
RMBI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.87% yearly.
EPS 1Y (TTM)15.85%
EPS 3Y-1.52%
EPS 5YN/A
EPS Q2Q%30.52%
Revenue 1Y (TTM)6.19%
Revenue growth 3Y-0.15%
Revenue growth 5Y4.87%
Sales Q2Q%10.78%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 14.18, the valuation of RMBI can be described as correct.
66.67% of the companies in the same industry are cheaper than RMBI, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.11. RMBI is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.18 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, RMBI is valued a bit cheaper than the industry average as 74.36% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.82 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
RMBI has a Yearly Dividend Yield of 4.47%, which is a nice return.
Compared to an average industry Dividend Yield of 3.51, RMBI pays a better dividend. On top of this RMBI pays more dividend than 82.56% of the companies listed in the same industry.
RMBI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.47% |
5.2 History
RMBI has been paying a dividend for over 5 years, so it has already some track record.
RMBI has decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
RMBI pays out 60.47% of its income as dividend. This is not a sustainable payout ratio.
DP60.47%
EPS Next 2YN/A
EPS Next 3YN/A
13.33
-0.08 (-0.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners23.18%
Inst Owner Change0.58%
Ins Owners10.62%
Ins Owner Change4.3%
Market Cap139.03M
Revenue(TTM)45.08M
Net Income(TTM)9.52M
Analysts0
Price TargetN/A
Short Float %2.49%
Short Ratio11.38
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.47% |
Yearly Dividend0.52
Dividend Growth(5Y)N/A
DP60.47%
Div Incr Years0
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.18 | ||
| Fwd PE | N/A | ||
| P/S | 3.08 | ||
| P/FCF | 8.82 | ||
| P/OCF | 8.33 | ||
| P/B | 1.05 | ||
| P/tB | 1.07 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.94
EY7.05%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.51
FCFY11.34%
OCF(TTM)1.6
OCFY12.01%
SpS4.32
BVpS12.69
TBVpS12.5
PEG (NY)N/A
PEG (5Y)N/A
Graham Number16.38
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.63% | ||
| ROE | 7.19% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 21.12% | ||
| GM | N/A | ||
| FCFM | 34.97% |
ROA(3y)0.75%
ROA(5y)0.81%
ROE(3y)7.95%
ROE(5y)7.04%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.44%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.04 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 87.87% | ||
| Cap/Sales | 2.07% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 165.62% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC13.28%
ROIC/WACCN/A
Cap/Depr(3y)42.22%
Cap/Depr(5y)58.49%
Cap/Sales(3y)1.12%
Cap/Sales(5y)1.87%
Profit Quality(3y)136.86%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)15.85%
EPS 3Y-1.52%
EPS 5YN/A
EPS Q2Q%30.52%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.19%
Revenue growth 3Y-0.15%
Revenue growth 5Y4.87%
Sales Q2Q%10.78%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y12.6%
FCF growth 3YN/A
FCF growth 5Y9.35%
OCF growth 1Y14.53%
OCF growth 3YN/A
OCF growth 5Y7.87%
RICHMOND MUTUAL BANCORPORATI / RMBI FAQ
What is the ChartMill fundamental rating of RICHMOND MUTUAL BANCORPORATI (RMBI) stock?
ChartMill assigns a fundamental rating of 3 / 10 to RMBI.
Can you provide the valuation status for RICHMOND MUTUAL BANCORPORATI?
ChartMill assigns a valuation rating of 2 / 10 to RICHMOND MUTUAL BANCORPORATI (RMBI). This can be considered as Overvalued.
What is the profitability of RMBI stock?
RICHMOND MUTUAL BANCORPORATI (RMBI) has a profitability rating of 2 / 10.
Is the dividend of RICHMOND MUTUAL BANCORPORATI sustainable?
The dividend rating of RICHMOND MUTUAL BANCORPORATI (RMBI) is 5 / 10 and the dividend payout ratio is 60.47%.