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RICHMOND MUTUAL BANCORPORATI (RMBI) Stock Fundamental Analysis

NASDAQ:RMBI - Nasdaq - US76525P1003 - Common Stock - Currency: USD

14.05  -0.02 (-0.14%)

Fundamental Rating

3

Overall RMBI gets a fundamental rating of 3 out of 10. We evaluated RMBI against 395 industry peers in the Banks industry. The financial health of RMBI is average, but there are quite some concerns on its profitability. RMBI does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year RMBI was profitable.
RMBI had a positive operating cash flow in the past year.
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.
RMBI Yearly Net Income VS EBIT VS OCF VS FCFRMBI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.59%, RMBI is doing worse than 70.89% of the companies in the same industry.
With a Return On Equity value of 6.86%, RMBI is not doing good in the industry: 63.54% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.59%
ROE 6.86%
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
RMBI Yearly ROA, ROE, ROICRMBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5

1.3 Margins

With a Profit Margin value of 20.44%, RMBI is not doing good in the industry: 61.77% of the companies in the same industry are doing better.
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 RankSector Rank
OM N/A
PM (TTM) 20.44%
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
RMBI Yearly Profit, Operating, Gross MarginsRMBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

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5

2. Health

2.1 Basic Checks

RMBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for RMBI has been reduced compared to 1 year ago.
RMBI has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, RMBI has an improved debt to assets ratio.
RMBI Yearly Shares OutstandingRMBI Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
RMBI Yearly Total Debt VS Total AssetsRMBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

The Debt to FCF ratio of RMBI is 0.05, which is an excellent value as it means it would take RMBI, only 0.05 years of fcf income to pay off all of its debts.
RMBI has a better Debt to FCF ratio (0.05) than 89.11% of its industry peers.
A Debt/Equity ratio of 0.01 indicates that RMBI is not too dependend on debt financing.
The Debt to Equity ratio of RMBI (0.01) is better than 87.34% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.05
Altman-Z N/A
ROIC/WACCN/A
WACC13.93%
RMBI Yearly LT Debt VS Equity VS FCFRMBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
RMBI Yearly Current Assets VS Current LiabilitesRMBI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M

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1

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 1.10% over the past year.
Measured over the past years, RMBI shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.52% on average per year.
RMBI shows a small growth in Revenue. In the last year, the Revenue has grown by 3.91%.
The Revenue has been growing slightly by 4.87% on average over the past years.
EPS 1Y (TTM)1.1%
EPS 3Y-1.52%
EPS 5YN/A
EPS Q2Q%-15.72%
Revenue 1Y (TTM)3.91%
Revenue growth 3Y-0.15%
Revenue growth 5Y4.87%
Sales Q2Q%4.2%

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.
RMBI Yearly Revenue VS EstimatesRMBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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2

4. Valuation

4.1 Price/Earnings Ratio

RMBI is valuated correctly with a Price/Earnings ratio of 15.97.
68.61% of the companies in the same industry are cheaper than RMBI, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.45, RMBI is valued a bit cheaper.
Industry RankSector Rank
PE 15.97
Fwd PE N/A
RMBI Price Earnings VS Forward Price EarningsRMBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

RMBI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. RMBI is cheaper than 62.53% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.19
EV/EBITDA N/A
RMBI Per share dataRMBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

RMBI has a Yearly Dividend Yield of 4.42%, which is a nice return.
Compared to an average industry Dividend Yield of 3.47, RMBI pays a better dividend. On top of this RMBI pays more dividend than 82.28% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.42, RMBI pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.42%

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
RMBI Yearly Dividends per shareRMBI Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

64.08% of the earnings are spent on dividend by RMBI. This is not a sustainable payout ratio.
DP64.08%
EPS Next 2YN/A
EPS Next 3YN/A
RMBI Yearly Income VS Free CF VS DividendRMBI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M
RMBI Dividend Payout.RMBI Dividend Payout, showing the Payout Ratio.RMBI Dividend Payout.PayoutRetained Earnings

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RICHMOND MUTUAL BANCORPORATI

NASDAQ:RMBI (7/3/2025, 8:06:40 PM)

14.05

-0.02 (-0.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24
Earnings (Next)07-24 2025-07-24
Inst Owners19.84%
Inst Owner Change-15.92%
Ins Owners10.21%
Ins Owner Change0%
Market Cap146.26M
Analysts0
Price TargetN/A
Short Float %1.44%
Short Ratio1.91
Dividend
Industry RankSector Rank
Dividend Yield 4.42%
Yearly Dividend0.52
Dividend Growth(5Y)N/A
DP64.08%
Div Incr Years0
Div Non Decr Years2
Ex-Date06-05 2025-06-05 (0.15)
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 RankSector Rank
PE 15.97
Fwd PE N/A
P/S 3.33
P/FCF 10.19
P/OCF 9.9
P/B 1.12
P/tB 1.13
EV/EBITDA N/A
EPS(TTM)0.88
EY6.26%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.38
FCFY9.81%
OCF(TTM)1.42
OCFY10.1%
SpS4.22
BVpS12.58
TBVpS12.39
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.59%
ROE 6.86%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.44%
GM N/A
FCFM 32.67%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.05
Debt/EBITDA N/A
Cap/Depr 39.91%
Cap/Sales 0.96%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 159.86%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC13.93%
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)1.1%
EPS 3Y-1.52%
EPS 5YN/A
EPS Q2Q%-15.72%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.91%
Revenue growth 3Y-0.15%
Revenue growth 5Y4.87%
Sales Q2Q%4.2%
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 1Y-17.76%
FCF growth 3YN/A
FCF growth 5Y9.35%
OCF growth 1Y-17.34%
OCF growth 3YN/A
OCF growth 5Y7.87%