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RICHMOND MUTUAL BANCORPORATI (RMBI) Stock Fundamental Analysis

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

14.31  +0.1 (+0.7%)

Fundamental Rating

3

Overall RMBI gets a fundamental rating of 3 out of 10. We evaluated RMBI against 396 industry peers in the Banks industry. While RMBI seems to be doing ok healthwise, 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

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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 has a worse Return On Assets (0.59%) than 69.19% of its industry peers.
With a Return On Equity value of 6.86%, RMBI is not doing good in the industry: 62.88% 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: 61.87% of the companies in the same industry are doing better.
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) 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.
Compared to 5 years ago, RMBI has less shares outstanding
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

RMBI has a debt to FCF ratio of 0.05. This is a very positive value and a sign of high solvency as it would only need 0.05 years to pay back of all of its debts.
RMBI has a better Debt to FCF ratio (0.05) than 89.14% of its industry peers.
A Debt/Equity ratio of 0.01 indicates that RMBI is not too dependend on debt financing.
RMBI's Debt to Equity ratio of 0.01 is amongst the best of the industry. RMBI outperforms 87.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.05
Altman-Z N/A
ROIC/WACCN/A
WACC13.22%
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.
The Earnings Per Share has been decreasing by -1.52% on average over the past years.
The Revenue has been growing slightly by 3.91% 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)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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1

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 16.26, RMBI is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of RMBI indicates a slightly more expensive valuation: RMBI is more expensive than 72.22% of the companies listed in the same industry.
RMBI's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.70.
Industry RankSector Rank
PE 16.26
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 is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 10.47
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

With a Yearly Dividend Yield of 4.13%, RMBI is a good candidate for dividend investing.
RMBI's Dividend Yield is a higher than the industry average which is at 3.34.
RMBI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
Industry RankSector Rank
Dividend Yield 4.13%

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 recently.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
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 (5/19/2025, 8:09:53 PM)

14.31

+0.1 (+0.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24
Earnings (Next)07-23 2025-07-23
Inst Owners22.43%
Inst Owner Change-15.92%
Ins Owners4.74%
Ins Owner Change0%
Market Cap150.25M
Analysts0
Price TargetN/A
Short Float %0.25%
Short Ratio0.67
Dividend
Industry RankSector Rank
Dividend Yield 4.13%
Yearly Dividend0.52
Dividend Growth(5Y)N/A
DP64.08%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-26 2025-02-26 (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 16.26
Fwd PE N/A
P/S 3.42
P/FCF 10.47
P/OCF 10.17
P/B 1.15
P/tB 1.16
EV/EBITDA N/A
EPS(TTM)0.88
EY6.15%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.37
FCFY9.55%
OCF(TTM)1.41
OCFY9.83%
SpS4.18
BVpS12.47
TBVpS12.29
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
WACC13.22%
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%