Logo image of RMBI

RICHMOND MUTUAL BANCORPORATI (RMBI) Stock Fundamental Analysis

NASDAQ:RMBI - US76525P1003 - Common Stock

14.79 USD
+0.1 (+0.68%)
Last: 8/29/2025, 8:00:01 PM
14.79 USD
0 (0%)
After Hours: 8/29/2025, 8:00:01 PM
Fundamental Rating

3

Taking everything into account, RMBI scores 3 out of 10 in our fundamental rating. RMBI was compared to 395 industry peers in the Banks industry. The financial health of RMBI is average, but there are quite some concerns on its profitability. RMBI is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

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.
Of the past 5 years RMBI 4 years had a positive operating cash flow.
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

RMBI's Return On Assets of 0.63% is on the low side compared to the rest of the industry. RMBI is outperformed by 67.93% of its industry peers.
The Return On Equity of RMBI (7.19%) is comparable to the rest of the industry.
Industry RankSector 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
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

RMBI has a worse Profit Margin (21.12%) than 60.10% of its industry peers.
In the last couple of years the Profit Margin of RMBI has declined.
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) 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
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

More info and screens

5

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.
The debt/assets ratio for RMBI has been reduced compared to a year ago.
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 0.04, which is an excellent value as it means it would take RMBI, only 0.04 years of fcf income to pay off all of its debts.
RMBI's Debt to FCF ratio of 0.04 is amongst the best of the industry. RMBI outperforms 88.64% of its industry peers.
RMBI has a Debt/Equity ratio of 0.01. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of RMBI (0.01) is better than 86.87% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.04
Altman-Z N/A
ROIC/WACCN/A
WACC13.17%
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

More info and screens

2

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 15.85% over the past year.
The Earnings Per Share has been decreasing by -1.52% on average over the past years.
The Revenue has been growing slightly by 6.19% in the past 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.
RMBI Yearly Revenue VS EstimatesRMBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 15.73, RMBI is valued correctly.
RMBI's Price/Earnings ratio is a bit more expensive when compared to the industry. RMBI is more expensive than 68.18% of the companies in the same industry.
When comparing the Price/Earnings ratio of RMBI to the average of the S&P500 Index (27.08), we can say RMBI is valued slightly cheaper.
Industry RankSector Rank
PE 15.73
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of RMBI indicates a somewhat cheap valuation: RMBI is cheaper than 72.73% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.79
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

More info and screens

5

5. Dividend

5.1 Amount

RMBI has a Yearly Dividend Yield of 4.08%, which is a nice return.
RMBI's Dividend Yield is rather good when compared to the industry average which is at 3.20. RMBI pays more dividend than 81.57% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.35, RMBI pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.08%

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

60.47% of the earnings are spent on dividend by RMBI. This is not a sustainable payout ratio.
DP60.47%
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

More info and screens

RICHMOND MUTUAL BANCORPORATI

NASDAQ:RMBI (8/29/2025, 8:00:01 PM)

After market: 14.79 0 (0%)

14.79

+0.1 (+0.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23/amc
Earnings (Next)10-22 2025-10-22
Inst Owners20.19%
Inst Owner Change-85.48%
Ins Owners10.63%
Ins Owner Change4.3%
Market Cap154.26M
Analysts0
Price TargetN/A
Short Float %4.37%
Short Ratio6.14
Dividend
Industry RankSector Rank
Dividend Yield 4.08%
Yearly Dividend0.52
Dividend Growth(5Y)N/A
DP60.47%
Div Incr Years0
Div Non Decr Years2
Ex-Date09-04 2025-09-04 (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 15.73
Fwd PE N/A
P/S 3.42
P/FCF 9.79
P/OCF 9.24
P/B 1.17
P/tB 1.18
EV/EBITDA N/A
EPS(TTM)0.94
EY6.36%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.51
FCFY10.22%
OCF(TTM)1.6
OCFY10.82%
SpS4.32
BVpS12.69
TBVpS12.5
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector 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
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-Score8
Asset Turnover0.03
Health
Industry RankSector 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
WACC13.17%
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%