RICHMOND MUTUAL BANCORPORATI (RMBI) Fundamental Analysis & Valuation

NASDAQ:RMBI • US76525P1003

Current stock price

13.33 USD
+0.08 (+0.6%)
At close:
13.33 USD
0 (0%)
After Hours:

This RMBI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. RMBI Profitability Analysis

1.1 Basic Checks

  • In the past year RMBI was profitable.
  • In the past year RMBI had a positive cash flow from operations.
  • RMBI had positive earnings in each of the past 5 years.
  • In multiple years RMBI reported negative operating cash flow during the last 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 2025 0 10M -10M

1.2 Ratios

  • The Return On Assets of RMBI (0.70%) is worse than 69.03% of its industry peers.
  • RMBI has a worse Return On Equity (7.60%) than 65.09% of its industry peers.
Industry RankSector Rank
ROA 0.7%
ROE 7.6%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 2025 0 5 -5

1.3 Margins

  • With a Profit Margin value of 22.69%, RMBI perfoms like the industry average, outperforming 40.42% of the companies in the same industry.
  • In the last couple of years the Profit Margin of RMBI has remained more or less at the same level.
  • The Operating Margin and Gross Margin are not available for RMBI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 22.69%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.32%
PM growth 5Y-0.99%
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 2025 0 20 -20 -40

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4

2. RMBI Health Analysis

2.1 Basic Checks

  • RMBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for RMBI. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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

  • 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.
  • Looking at the Debt to FCF ratio, with a value of 0.04, RMBI belongs to the top of the industry, outperforming 88.98% of the companies in the same industry.
  • 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 87.40% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.04
Altman-Z N/A
ROIC/WACCN/A
WACC13.21%
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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3

3. RMBI Growth Analysis

3.1 Past

  • RMBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.58%, which is quite impressive.
  • The Earnings Per Share has been growing slightly by 7.36% on average over the past years.
  • Looking at the last year, RMBI shows a quite strong growth in Revenue. The Revenue has grown by 12.52% in the last year.
  • Measured over the past years, RMBI shows a small growth in Revenue. The Revenue has been growing by 3.96% on average per year.
EPS 1Y (TTM)27.58%
EPS 3Y-0.02%
EPS 5Y7.36%
EPS Q2Q%45.83%
Revenue 1Y (TTM)12.52%
Revenue growth 3Y1.69%
Revenue growth 5Y3.96%
Sales Q2Q%18.08%

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 2025 10M 20M 30M 40M

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3

4. RMBI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.39, the valuation of RMBI can be described as reasonable.
  • The rest of the industry has a similar Price/Earnings ratio as RMBI.
  • RMBI is valuated cheaply when we compare the Price/Earnings ratio to 25.70, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.39
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

  • 83.46% of the companies in the same industry are more expensive than RMBI, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 7.44
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)1.55
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. RMBI Dividend Analysis

5.1 Amount

  • RMBI has a Yearly Dividend Yield of 4.53%, which is a nice return.
  • RMBI's Dividend Yield is rather good when compared to the industry average which is at 2.87. RMBI pays more dividend than 85.30% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, RMBI pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.53%

5.2 History

  • RMBI has been paying a dividend for over 5 years, so it has already some track record.
  • The dividend of RMBI decreased 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 2026 0.2 0.4 0.6

5.3 Sustainability

  • RMBI pays out 54.33% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP54.33%
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 2025 0 10M -10M
RMBI Dividend Payout.RMBI Dividend Payout, showing the Payout Ratio.RMBI Dividend Payout.PayoutRetained Earnings

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RMBI Fundamentals: All Metrics, Ratios and Statistics

RICHMOND MUTUAL BANCORPORATI

NASDAQ:RMBI (3/13/2026, 8:00:02 PM)

After market: 13.33 0 (0%)

13.33

+0.08 (+0.6%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners24.01%
Inst Owner Change-1.05%
Ins Owners11.04%
Ins Owner Change6.52%
Market Cap139.97M
Revenue(TTM)48.91M
Net Income(TTM)10.64M
Analysts0
Price TargetN/A
Short Float %2.67%
Short Ratio14.16
Dividend
Industry RankSector Rank
Dividend Yield 4.53%
Yearly Dividend0.52
Dividend Growth(5Y)N/A
DP54.33%
Div Incr Years0
Div Non Decr Years2
Ex-Date02-25
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 11.39
Fwd PE N/A
P/S 2.98
P/FCF 7.44
P/OCF 6.97
P/B 1
P/tB 1.01
EV/EBITDA N/A
EPS(TTM)1.17
EY8.78%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.79
FCFY13.44%
OCF(TTM)1.91
OCFY14.36%
SpS4.47
BVpS13.34
TBVpS13.16
PEG (NY)N/A
PEG (5Y)1.55
Graham Number18.74
Profitability
Industry RankSector Rank
ROA 0.7%
ROE 7.6%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.69%
GM N/A
FCFM 40.1%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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-5.32%
PM growth 5Y-0.99%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.04
Debt/EBITDA N/A
Cap/Depr 118.43%
Cap/Sales 2.73%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 176.76%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.21%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)27.58%
EPS 3Y-0.02%
EPS 5Y7.36%
EPS Q2Q%45.83%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.52%
Revenue growth 3Y1.69%
Revenue growth 5Y3.96%
Sales Q2Q%18.08%
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 1Y67.79%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y71.08%
OCF growth 3YN/A
OCF growth 5YN/A

RICHMOND MUTUAL BANCORPORATI / RMBI Fundamental Analysis FAQ

What is the ChartMill fundamental rating of RICHMOND MUTUAL BANCORPORATI (RMBI) stock?

ChartMill assigns a fundamental rating of 3 / 10 to RMBI.


What is the valuation status of RICHMOND MUTUAL BANCORPORATI (RMBI) stock?

ChartMill assigns a valuation rating of 3 / 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.


What are the PE and PB ratios of RICHMOND MUTUAL BANCORPORATI (RMBI) stock?

The Price/Earnings (PE) ratio for RICHMOND MUTUAL BANCORPORATI (RMBI) is 11.39 and the Price/Book (PB) ratio is 1.