RICHMOND MUTUAL BANCORPORATI (RMBI) Fundamental Analysis & Valuation

NASDAQ:RMBI • US76525P1003

Current stock price

14.69 USD
+0.14 (+0.96%)
Last:

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

  • RMBI had positive earnings in the past year.
  • In the past year RMBI had a positive cash flow from operations.
  • Each year in the past 5 years RMBI has been profitable.
  • 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 2025 0 10M -10M

1.2 Ratios

  • With a Return On Assets value of 0.76%, RMBI is not doing good in the industry: 69.68% of the companies in the same industry are doing better.
  • With a Return On Equity value of 7.94%, RMBI is not doing good in the industry: 64.63% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.76%
ROE 7.94%
ROIC N/A
ROA(3y)0.68%
ROA(5y)0.78%
ROE(3y)7.34%
ROE(5y)7.59%
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

  • RMBI's Profit Margin of 23.67% is in line compared to the rest of the industry. RMBI outperforms 40.69% of its industry peers.
  • RMBI's Profit Margin has been stable in the last couple of years.
  • 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) 23.67%
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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3

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.
  • The number of shares outstanding for RMBI has been reduced compared to 1 year ago.
  • The number of shares outstanding for RMBI has been reduced compared to 5 years ago.
  • The debt/assets ratio for RMBI is higher compared to a year ago.
RMBI Yearly Shares OutstandingRMBI Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 500M 1B 1.5B

2.2 Solvency

  • RMBI has a debt to FCF ratio of 0.87. This is a very positive value and a sign of high solvency as it would only need 0.87 years to pay back of all of its debts.
  • The Debt to FCF ratio of RMBI (0.87) is better than 71.81% of its industry peers.
  • A Debt/Equity ratio of 0.09 indicates that RMBI is not too dependend on debt financing.
  • RMBI has a Debt to Equity ratio of 0.09. This is in the better half of the industry: RMBI outperforms 70.48% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.87
Altman-Z N/A
ROIC/WACCN/A
WACC13.57%
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 2025 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 2025 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 27.81%, which is quite impressive.
  • The Earnings Per Share has been growing slightly by 7.35% on average over the past years.
  • RMBI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.52%.
  • RMBI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.96% yearly.
EPS 1Y (TTM)27.81%
EPS 3Y-0.02%
EPS 5Y7.35%
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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2

4. RMBI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.56, RMBI is valued correctly.
  • The rest of the industry has a similar Price/Earnings ratio as RMBI.
  • Compared to an average S&P500 Price/Earnings ratio of 27.95, RMBI is valued rather cheaply.
Industry RankSector Rank
PE 12.56
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

  • 70.21% 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 10.56
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)1.71
EPS Next 2YN/A
EPS Next 3YN/A

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7

5. RMBI Dividend Analysis

5.1 Amount

  • RMBI has a Yearly Dividend Yield of 4.23%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.57, RMBI pays a better dividend. On top of this RMBI pays more dividend than 90.43% 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 1.81.
Industry RankSector Rank
Dividend Yield 4.23%

5.2 History

  • The dividend of RMBI is nicely growing with an annual growth rate of 31.77%!
  • RMBI has been paying a dividend for over 5 years, so it has already some track record.
  • RMBI has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)31.77%
Div Incr Years1
Div Non Decr Years3
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

  • 50.40% of the earnings are spent on dividend by RMBI. This is a bit on the high side, but may be sustainable.
  • The dividend of RMBI is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP50.4%
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 (4/20/2026, 8:00:02 PM)

14.69

+0.14 (+0.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners24.08%
Inst Owner Change0%
Ins Owners10.97%
Ins Owner Change6.52%
Market Cap154.25M
Revenue(TTM)48.91M
Net Income(TTM)11.58M
Analysts0
Price TargetN/A
Short Float %2.8%
Short Ratio12.65
Dividend
Industry RankSector Rank
Dividend Yield 4.23%
Yearly Dividend0.55
Dividend Growth(5Y)31.77%
DP50.4%
Div Incr Years1
Div Non Decr Years3
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 12.56
Fwd PE N/A
P/S 3.15
P/FCF 10.56
P/OCF 9.66
P/B 1.06
P/tB 1.07
EV/EBITDA N/A
EPS(TTM)1.17
EY7.96%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.39
FCFY9.47%
OCF(TTM)1.52
OCFY10.35%
SpS4.66
BVpS13.88
TBVpS13.7
PEG (NY)N/A
PEG (5Y)1.71
Graham Number19.1179 (30.14%)
Profitability
Industry RankSector Rank
ROA 0.76%
ROE 7.94%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.67%
GM N/A
FCFM 29.87%
ROA(3y)0.68%
ROA(5y)0.78%
ROE(3y)7.34%
ROE(5y)7.59%
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 0.09
Debt/FCF 0.87
Debt/EBITDA N/A
Cap/Depr 123.76%
Cap/Sales 2.78%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 126.18%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.57%
ROIC/WACCN/A
Cap/Depr(3y)73.32%
Cap/Depr(5y)57.67%
Cap/Sales(3y)1.77%
Cap/Sales(5y)1.5%
Profit Quality(3y)133.25%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)27.81%
EPS 3Y-0.02%
EPS 5Y7.35%
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 1Y2.21%
FCF growth 3Y-6.32%
FCF growth 5Y-0.11%
OCF growth 1Y8.25%
OCF growth 3Y-4.19%
OCF growth 5Y-0.74%

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 for RMBI stock?

ChartMill assigns a valuation rating of 2 / 10 to RICHMOND MUTUAL BANCORPORATI (RMBI). This can be considered as Overvalued.


How profitable is RICHMOND MUTUAL BANCORPORATI (RMBI) stock?

RICHMOND MUTUAL BANCORPORATI (RMBI) has a profitability rating of 2 / 10.


What is the valuation of RICHMOND MUTUAL BANCORPORATI based on its PE and PB ratios?

The Price/Earnings (PE) ratio for RICHMOND MUTUAL BANCORPORATI (RMBI) is 12.56 and the Price/Book (PB) ratio is 1.06.


Can you provide the dividend sustainability for RMBI stock?

The dividend rating of RICHMOND MUTUAL BANCORPORATI (RMBI) is 7 / 10 and the dividend payout ratio is 50.4%.