13.83 USD
-0.32 (-2.26%)
RMBI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. The financial health of RMBI is average, but there are quite some concerns on its profitability. RMBI has a expensive valuation and it also scores bad on growth.
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.
1.2 Ratios
- RMBI has a Return On Assets of 0.70%. This is in the lower half of the industry: RMBI underperforms 66.06% of its industry peers.
- Looking at the Return On Equity, with a value of 7.60%, RMBI is doing worse than 62.66% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.7% | ||
| ROE | 7.6% | ||
| 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 22.69% is in line compared to the rest of the industry. RMBI outperforms 42.04% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.69% | ||
| 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.
- RMBI has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for RMBI has been reduced compared to a year ago.
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 88.25% of the companies in the same industry.
- A Debt/Equity ratio of 0.01 indicates that RMBI is not too dependend on debt financing.
- With an excellent Debt to Equity ratio value of 0.01, RMBI belongs to the best of the industry, outperforming 87.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.04 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.18%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 22.94% over the past year.
- The Earnings Per Share has been decreasing by -1.52% on average over the past years.
- RMBI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.30%.
- Measured over the past years, RMBI shows a small growth in Revenue. The Revenue has been growing by 4.87% on average per year.
EPS 1Y (TTM)22.94%
EPS 3Y-1.52%
EPS 5YN/A
EPS Q2Q%50.25%
Revenue 1Y (TTM)9.3%
Revenue growth 3Y-0.15%
Revenue growth 5Y4.87%
Sales Q2Q%17.06%
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
- RMBI is valuated correctly with a Price/Earnings ratio of 13.05.
- RMBI's Price/Earnings ratio is in line with the industry average.
- The average S&P500 Price/Earnings ratio is at 27.21. RMBI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.05 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, RMBI is valued cheaply inside the industry as 82.51% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.68 | ||
| 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 4.24%, which is a nice return.
- Compared to an average industry Dividend Yield of 2.65, RMBI pays a better dividend. On top of this RMBI pays more dividend than 82.51% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.24% |
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 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
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.
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 13.05 and the Price/Book (PB) ratio is 1.03.