Richmond Mutual Bancorporation (RMBI) AI Stock Analysis

• Market Cap: $126.16M
• Dividend Yield: 4.74%
• Average Volume (3M): 27.31K
• Price to Earnings (P/E): 13.1
• Beta (1Y): 0.40
• Revenue Growth: 18.48%
• EPS Growth: 2.14%
• Country: US
• Employees: 173
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 0.92
• Shares Outstanding: 10,495,688
• 10 Day Avg. Volume: 25,005
• 30 Day Avg. Volume: 27,312
• PEG Ratio: 6.12
• Price to Book (P/B): N/A
• Price to Sales (P/S): 3.27
• Price to Cash Flow (P/CF): 12.20
• P/FCF Ratio: 2.60
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Richmond Mutual Bancorporation's stock is bolstered by its solid balance sheet and attractive valuation. However, pressure on profitability and cash flow management are areas of concern. Technical analysis suggests a positive momentum, although caution is advised due to potential overbought conditions. Overall, the stock presents a balanced risk-reward profile.

Richmond Mutual Bancorporation Business Overview & Revenue Model

Company Description

Richmond Mutual Bancorporation (RMBI) is a financial holding company that operates primarily through its wholly-owned subsidiary, First Bank Richmond. The company provides a range of banking services to individual and business clients. Its core products and services include personal and commercial banking, mortgage lending, and deposit account services. With a focus on community banking, RMBI serves as a financial partner to its customers, primarily in Indiana and surrounding regions.

How the Company Makes Money

RMBI makes money primarily through interest income generated from its loan portfolio, which includes personal, commercial, and mortgage loans. The company also earns revenue from fees and charges related to various banking services, such as account maintenance fees, transaction fees, and mortgage origination fees. Additionally, RMBI benefits from interest on securities investments and service charges on deposit accounts. The company’s earnings are influenced by factors such as interest rate fluctuations, loan demand, and regional economic conditions. It may also engage in strategic partnerships or community initiatives to enhance its service offerings and expand its customer base.

Richmond Mutual Bancorporation Financial Statement Overview

Summary

Richmond Mutual Bancorporation displays financial stability with a solid balance sheet and consistent gross margins. However, profitability pressures from an EBIT margin decline and cash flow challenges indicate potential risks. Improvement in operational efficiency and cash flow management are necessary to bolster financial health.

Income Statement

Richmond Mutual's revenue has shown a slight decline from the previous year, and the net profit margin is stable but not impressive. The EBIT margin has decreased considerably, indicating pressure on operational efficiency. The consistent gross profit margin is a positive aspect, reflecting stable cost management.

Balance Sheet

The company's debt-to-equity ratio is reasonable, indicating a balanced approach to leveraging. Return on equity has weakened slightly due to declining net income. However, the equity ratio remains strong, showing a solid foundation of assets funded by equity.

Cash Flow

The cash flow situation presents concerns as there is no reported operating cash flow for the latest year, and free cash flow growth is absent. Previous years show positive free cash flow, which is a crucial area for improvement to ensure sustainability.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
42.91M	42.07M	46.37M	43.53M	40.14M
	Gross Profit
42.91M	41.74M	46.37M	43.53M	40.14M
	EBIT
42.91M	11.00M	25.74M	13.58M	12.50M
	EBITDA
0.00	0.00	17.04M	15.12M	13.96M
	Net Income Common Stockholders
9.38M	9.49M	12.97M	11.14M	10.02M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
21.76M	12.02M	13.74M	380.58M	293.27M
	Total Assets
1.51B	1.46B	1.33B	1.27B	1.08B
	Total Debt
265.00M	271.00M	180.00M	180.00M	170.00M
	Net Debt
242.94M	250.76M	163.59M	156.96M	121.23M
	Total Liabilities
1.37B	1.33B	1.20B	1.09B	891.48M
	Stockholders Equity
132.87M	134.86M	132.98M	180.48M	192.71M
Cash Flow		Free Cash Flow
14.29M	11.49M	17.78M	-10.23M	14.69M
	Operating Cash Flow
14.75M	12.11M	18.16M	-9.65M	16.57M
	Investing Cash Flow
-49.30M	-122.53M	-116.12M	-212.19M	-89.26M
	Financing Cash Flow
36.06M	114.74M	90.85M	196.11M	80.85M

Richmond Mutual Bancorporation Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 12.95
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RMBI, the sentiment is Positive. The current price of 12.95 is above the 20-day moving average (MA) of 12.50, above the 50-day MA of 12.71, and above the 200-day MA of 12.77, indicating a bullish trend. The MACD of -0.11 indicates Negative momentum. The RSI at 58.01 is Neutral, neither overbought nor oversold. The STOCH value of 50.61 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for RMBI.

Richmond Mutual Bancorporation Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
EBMT	74 Outperform	$129.15M	13.00	5.68%	3.51%	12.17%	-3.38%
FNWD	72 Outperform	$128.35M	10.46	8.12%	1.62%	15.97%	45.41%
RMBI	71 Outperform	$126.16M	13.11	7.00%	4.74%	18.48%	2.14%
UNB	65 Neutral	$131.85M	15.10	18.61%	4.96%	14.75%	-22.44%
Sector *	63 Neutral	$12.75B	9.36	8.64%	84.32%	13.82%	-3.89%
CZWI	55 Neutral	$134.66M	10.06	7.80%	2.67%	5.41%	7.23%