Richmond Mutual Bancorporation Inc (RMBI)
NASDAQ:RMBI
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Richmond Mutual Bancorporation
(NASDAQ:RMBI)
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Rating:62Neutral
Price Target:
$14.50
▲(3.87% Upside)
Action:ReiteratedDate:03/24/26
The score is driven primarily by solid financial performance led by strong revenue and profitability, tempered by balance-sheet profitability (lower ROE) and cash-flow volatility. Valuation is a clear positive with an attractive dividend yield and reasonable P/E, while technical indicators are neutral-to-soft and corporate events add modest support given merger execution risk.
Positive Factors
Revenue Growth Momentum
Sustained top-line acceleration through 2025 indicates durable demand for the bank’s lending, fee, and investment businesses. Strong revenue momentum supports internal funding for branch operations, dividend capacity, and strategic investments over the next several quarters, reducing reliance on external capital.
Negative Factors
Lower Return on Equity
A declining ROE signals the bank is generating less profit per dollar of shareholder capital, which can compress long-term shareholder returns, limit retained-earnings growth, and require efficiency or margin improvements to sustain dividends and reinvestment without eroding capital.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth Momentum
Sustained top-line acceleration through 2025 indicates durable demand for the bank’s lending, fee, and investment businesses. Strong revenue momentum supports internal funding for branch operations, dividend capacity, and strategic investments over the next several quarters, reducing reliance on external capital.
Read all positive factors
Richmond Mutual Bancorporation (RMBI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$142.50M
Dividend Yield4.29%
Average Volume (3M)17.52K
Price to Earnings (P/E)11.7
Beta (1Y)0.45
Revenue Growth7.54%
EPS Growth25.25%
CountryUS
Employees171
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.35
Shares Outstanding10,501,260
10 Day Avg. Volume23,004
30 Day Avg. Volume17,515
Financial Highlights & Ratios
PEG Ratio0.40
Price to Book (P/B)0.93
Price to Sales (P/S)1.49
P/FCF Ratio<0.01
Enterprise Value/Market Cap-62.38
Enterprise Value/Revenue-97.79
Enterprise Value/Gross Profit-188.95
Enterprise Value/Ebitda-597.35
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Richmond Mutual Bancorporation Business Overview & Revenue Model
Company Description
Richmond Mutual Bancorporation, Inc. operates as a holding company for First Bank Richmond that provides various banking services. The company accepts various deposits, including savings deposit accounts, money market accounts NOW and demand accou...
Richmond Mutual Bancorporation Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
57
Neutral
Cash Flow
52
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 90.89M | 85.05M | 71.82M | 56.59M | 51.21M |
| Gross Profit | 47.04M | 42.68M | 41.54M | 45.77M | 42.10M |
| EBITDA | 14.88M | 11.91M | 12.19M | 17.04M | 15.12M |
| Net Income | 11.58M | 9.38M | 9.49M | 12.96M | 11.14M |
Balance Sheet | |||||
| Total Assets | 1.52B | 1.50B | 1.46B | 1.33B | 1.27B |
| Cash, Cash Equivalents and Short-Term Investments | 261.19B | 27.55M | 302.93M | 301.31M | 380.58M |
| Total Debt | 252.00M | 265.00M | 271.00M | 180.00M | 180.00M |
| Total Liabilities | 1.38B | 1.37B | 1.33B | 1.20B | 1.09B |
| Stockholders Equity | 145.78M | 132.87M | 134.86M | 132.38M | 180.48M |
Cash Flow | |||||
| Free Cash Flow | 15.97B | 14.29M | 11.49M | 17.78M | -10.23M |
| Operating Cash Flow | 15.97B | 14.75M | 12.11M | 18.16M | -9.65M |
| Investing Cash Flow | -1.14B | -49.30M | -122.53M | -116.12M | -212.19M |
| Financing Cash Flow | -3.46B | 36.06M | 114.74M | 90.85M | 196.10M |
Richmond Mutual Bancorporation Technical Analysis
Neutral
13.96
Price Trends
13.77
Negative
13.71
Negative
13.68
Negative
Market Momentum
-0.04
Negative
49.51
Neutral
62.30
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RMBI, the sentiment is Neutral. The current price of 13.96 is above the 20-day moving average (MA) of 13.46, above the 50-day MA of 13.77, and above the 200-day MA of 13.68, indicating a neutral trend. The MACD of -0.04 indicates Negative momentum. The RSI at 49.51 is Neutral, neither overbought nor oversold. The STOCH value of 62.30 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for RMBI.
Richmond Mutual Bancorporation Risk Analysis
Richmond Mutual Bancorporation disclosed 28 risk factors in its most recent earnings report. Richmond Mutual Bancorporation reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Richmond Mutual Bancorporation Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $156.90M | 8.47 | 12.36% | 3.01% | 12.31% | 39.46% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $142.50M | 11.71 | 8.43% | 4.29% | 7.54% | 25.25% | |
58 Neutral | $186.01M | 9.23 | 9.65% | 1.16% | 2.33% | 22.43% | |
52 Neutral | $153.38M | -11.19 | -15.10% | ― | -11.99% | 63.64% | |
50 Neutral | $163.87M | -11.07 | -4.00% | 7.74% | -8.73% | -95.86% |
* Financial Sector Average
RMBI
Richmond Mutual Bancorporation
13.57
1.59
13.31%
BCBP
BCB Bancorp
9.44
0.36
4.01%
CFBK
CF Bankshares
28.57
7.76
37.31%
LARK
Landmark Bancorp
25.83
-0.17
-0.65%
PNBK
Patriot National Bancorp
1.31
-0.09
-6.43%
Richmond Mutual Bancorporation Corporate Events
Dividends
Richmond Mutual Bancorporation Declares Quarterly Cash Dividend
Positive
Feb 11, 2026
On February 11, 2026, Richmond Mutual Bancorporation, Inc. announced that its board declared a quarterly cash dividend of $0.15 per share on its common stock, payable on March 11, 2026, to shareholders of record as of February 25, 2026. The move u...
Business Operations and StrategyStock BuybackDividendsFinancial DisclosuresM&A Transactions
Richmond Mutual Bancorporation Highlights Strategy at Investor Conference
Positive
Jan 15, 2026
On January 15, 2026, Richmond Mutual Bancorporation announced that President and CEO Garry D. Kleer and CFO Bradley M. Glover would present at Eden Capital Management’s Investor Day Conference on January 16, 2026, outlining the company’...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.