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RICHMOND MUTUAL BANCORPORATI (RMBI) Stock Fundamental Analysis

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

13.88  +0.04 (+0.29%)

After market: 12.07 -1.81 (-13.04%)

Fundamental Rating

3

Taking everything into account, RMBI scores 3 out of 10 in our fundamental rating. RMBI was compared to 398 industry peers in the Banks industry. The financial health of RMBI is average, but there are quite some concerns on its profitability. RMBI does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

RMBI had positive earnings in the past year.
RMBI had a positive operating cash flow in the past year.
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

The Return On Assets of RMBI (0.62%) is worse than 65.08% of its industry peers.
RMBI has a worse Return On Equity (7.06%) than 61.06% of its industry peers.
Industry RankSector Rank
ROA 0.62%
ROE 7.06%
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

RMBI has a Profit Margin of 21.57%. This is comparable to the rest of the industry: RMBI outperforms 43.22% of its industry peers.
RMBI's Profit Margin has declined 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) 21.57%
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.
Compared to 1 year ago, RMBI has less shares outstanding
The number of shares outstanding for RMBI has been reduced compared to 5 years ago.
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

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 has a better Debt to FCF ratio (0.04) than 90.20% of its industry peers.
A Debt/Equity ratio of 0.00 indicates that RMBI is not too dependend on debt financing.
RMBI has a Debt to Equity ratio of 0.00. This is amongst the best in the industry. RMBI outperforms 88.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.04
Altman-Z N/A
ROIC/WACCN/A
WACC13.21%
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 0.84% over the past year.
The Earnings Per Share has been decreasing by -1.52% on average over the past years.
RMBI shows a small growth in Revenue. In the last year, the Revenue has grown by 2.80%.
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)0.84%
EPS 3Y-1.52%
EPS 5YN/A
EPS Q2Q%27.21%
Revenue 1Y (TTM)2.8%
Revenue growth 3Y-0.15%
Revenue growth 5Y4.87%
Sales Q2Q%5.24%

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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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 15.09 indicates a correct valuation of RMBI.
Based on the Price/Earnings ratio, RMBI is valued a bit more expensive than the industry average as 69.60% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 28.64. RMBI is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 15.09
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

RMBI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. RMBI is cheaper than 61.06% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.2
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

RMBI has a Yearly Dividend Yield of 4.37%, which is a nice return.
Compared to an average industry Dividend Yield of 3.68, RMBI pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.52, RMBI pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.37%

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
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

RMBI pays out 60.75% of its income as dividend. This is not a sustainable payout ratio.
DP60.75%
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 (4/24/2025, 11:55:48 AM)

After market: 12.07 -1.81 (-13.04%)

13.88

+0.04 (+0.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-17 2025-04-17
Earnings (Next)07-23 2025-07-23
Inst Owners22.43%
Inst Owner Change-0.16%
Ins Owners4.74%
Ins Owner Change0%
Market Cap145.74M
Analysts0
Price TargetN/A
Short Float %0.62%
Short Ratio2.6
Dividend
Industry RankSector Rank
Dividend Yield 4.37%
Yearly Dividend0.52
Dividend Growth(5Y)N/A
DP60.75%
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 15.09
Fwd PE N/A
P/S 3.35
P/FCF 10.2
P/OCF 9.88
P/B 1.1
P/tB 1.11
EV/EBITDA N/A
EPS(TTM)0.92
EY6.63%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.36
FCFY9.81%
OCF(TTM)1.41
OCFY10.12%
SpS4.14
BVpS12.65
TBVpS12.47
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.62%
ROE 7.06%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.57%
GM N/A
FCFM 32.88%
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
Debt/FCF 0.04
Debt/EBITDA N/A
Cap/Depr 44.14%
Cap/Sales 1.06%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 152.41%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC13.21%
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)0.84%
EPS 3Y-1.52%
EPS 5YN/A
EPS Q2Q%27.21%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.8%
Revenue growth 3Y-0.15%
Revenue growth 5Y4.87%
Sales Q2Q%5.24%
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 1Y24.33%
FCF growth 3YN/A
FCF growth 5Y9.35%
OCF growth 1Y21.78%
OCF growth 3YN/A
OCF growth 5Y7.87%