RICHMOND MUTUAL BANCORPORATI (RMBI)
US76525P1003 - Common Stock
RMBI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 411 industry peers in the Banks industry. While RMBI seems to be doing ok healthwise, 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.
In the past year RMBI had a positive cash flow from operations.
RMBI had positive earnings in 4 of the past 5 years.
Of the past 5 years RMBI 4 years had a positive operating cash flow.
1.2 Ratios
RMBI has a Return On Assets of 0.65%. This is in the lower half of the industry: RMBI underperforms 69.59% of its industry peers.
RMBI has a Return On Equity of 7.03%. This is in the lower half of the industry: RMBI underperforms 68.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.65% | ||
| ROE | 7.03% | ||
| ROIC | N/A |
ROA(3y)0.83%
ROA(5y)0.4%
ROE(3y)7.65%
ROE(5y)4.13%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 22.43%, RMBI is in line with its industry, outperforming 44.28% of the companies in the same industry.
In the last couple of years the Profit Margin of RMBI has grown nicely.
RMBI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.43% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.37%
PM growth 5Y4.63%
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.
Compared to 5 years ago, RMBI has less shares outstanding
Compared to 1 year ago, RMBI has an improved debt to assets ratio.
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.
Looking at the Debt to FCF ratio, with a value of 0.05, RMBI belongs to the top of the industry, outperforming 88.08% of the companies in the same industry.
A Debt/Equity ratio of 0.00 indicates that RMBI is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.00, RMBI belongs to the top of the industry, outperforming 86.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.05 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.61%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for RMBI have decreased strongly by -22.28% in the last year.
Measured over the past years, RMBI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.67% on average per year.
The Revenue has decreased by -9.08% in the past year.
Measured over the past years, RMBI shows a small growth in Revenue. The Revenue has been growing by 5.90% on average per year.
EPS 1Y (TTM)-22.28%
EPS 3Y3.45%
EPS 5Y16.67%
EPS growth Q2Q-38.94%
Revenue 1Y (TTM)-9.08%
Revenue growth 3Y1.62%
Revenue growth 5Y5.9%
Revenue growth Q2Q-11.75%
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
Based on the Price/Earnings ratio of 12.67, the valuation of RMBI can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of RMBI indicates a slightly more expensive valuation: RMBI is more expensive than 66.42% of the companies listed in the same industry.
RMBI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.67 | ||
| Fwd PE | N/A |
4.2 Price Multiples
60.34% of the companies in the same industry are cheaper than RMBI, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.15 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.76
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
RMBI has a Yearly Dividend Yield of 4.94%, which is a nice return.
RMBI's Dividend Yield is rather good when compared to the industry average which is at 3.69. RMBI pays more dividend than 80.78% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.34, RMBI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.94% |
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 recently.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
RMBI pays out 62.44% of its income as dividend. This is not a sustainable payout ratio.
DP62.44%
EPS Next 2YN/A
EPS Next 3YN/A
RICHMOND MUTUAL BANCORPORATI
NASDAQ:RMBI (5/17/2024, 9:43:17 AM)
11.53
+0.03 (+0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap128.21M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.94% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.67 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.76
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.65% | ||
| ROE | 7.03% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 22.43% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-22.28%
EPS 3Y3.45%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-9.08%
Revenue growth 3Y1.62%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y