14.06 USD
+0.06 (+0.43%)
14.06 USD
0 (0%)
Taking everything into account, RMBI scores 3 out of 10 in our fundamental rating. RMBI was compared to 383 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.
- 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 worse Return On Assets (0.70%) than 65.80% of its industry peers.
- RMBI's Return On Equity of 7.60% is on the low side compared to the rest of the industry. RMBI is outperformed by 62.40% of its industry peers.
| 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 42.30% 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.
- Compared to 1 year ago, RMBI has less shares outstanding
- 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
- 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 88.25% 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 87.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.04 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.13%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- RMBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.94%, which is quite impressive.
- Measured over the past years, RMBI shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.52% on average per year.
- The Revenue has grown by 9.30% in the past year. This is quite good.
- The Revenue has been growing slightly by 4.87% on average over the past years.
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 13.26.
- The rest of the industry has a similar Price/Earnings ratio as RMBI.
- Compared to an average S&P500 Price/Earnings ratio of 27.38, RMBI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.26 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of RMBI indicates a rather cheap valuation: RMBI is cheaper than 81.72% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.81 | ||
| 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 4.29%, which is a nice return.
- RMBI's Dividend Yield is rather good when compared to the industry average which is at 2.86. RMBI pays more dividend than 81.98% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.84, RMBI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.29% |
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 in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
- 54.33% of the earnings are spent on dividend by RMBI. This is a bit on the high side, but may be sustainable.
DP54.33%
EPS Next 2YN/A
EPS Next 3YN/A
14.06
+0.06 (+0.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-22 2025-10-22
Earnings (Next)01-21 2026-01-21
Inst Owners24.41%
Inst Owner Change0.49%
Ins Owners11.08%
Ins Owner Change6.42%
Market Cap146.93M
Revenue(TTM)46.91M
Net Income(TTM)10.64M
Analysts0
Price TargetN/A
Short Float %2.81%
Short Ratio11.32
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.29% |
Yearly Dividend0.52
Dividend Growth(5Y)N/A
DP54.33%
Div Incr Years0
Div Non Decr Years2
Ex-DateN/A
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.26 | ||
| Fwd PE | N/A | ||
| P/S | 3.13 | ||
| P/FCF | 7.81 | ||
| P/OCF | 7.31 | ||
| P/B | 1.05 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.06
EY7.54%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.8
FCFY12.8%
OCF(TTM)1.92
OCFY13.68%
SpS4.49
BVpS13.4
TBVpS13.22
PEG (NY)N/A
PEG (5Y)N/A
Graham Number17.88
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.7% | ||
| ROE | 7.6% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.69% | ||
| GM | N/A | ||
| FCFM | 40.1% |
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
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-5.44%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.04 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 118.43% | ||
| Cap/Sales | 2.73% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 176.76% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC13.13%
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)22.94%
EPS 3Y-1.52%
EPS 5YN/A
EPS Q2Q%50.25%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.3%
Revenue growth 3Y-0.15%
Revenue growth 5Y4.87%
Sales Q2Q%17.06%
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 1Y66.48%
FCF growth 3YN/A
FCF growth 5Y9.35%
OCF growth 1Y69%
OCF growth 3YN/A
OCF growth 5Y7.87%
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 13.26 and the Price/Book (PB) ratio is 1.05.