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RMBI vs V

RMBI
Richmond Mutual Bancorporation, Inc.
BULLISH
Price
$14.55
Market Cap
$142.1M
Sector
Financial Services
AI Confidence
75%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
RMBI
12.44
V
28.35
Forward P/E
RMBI
--
V
20.79
P/B Ratio
RMBI
0.97
V
15.09
P/S Ratio
RMBI
3.04
V
14.08
EV/EBITDA
RMBI
--
V
20.06

Profitability

Gross Margin
RMBI
0.0%
V
97.78%
Operating Margin
RMBI
34.54%
V
68.3%
Profit Margin
RMBI
24.76%
V
50.23%
ROE
RMBI
8.31%
V
53.95%
ROA
RMBI
0.76%
V
18.36%

Growth

Revenue Growth
RMBI
16.4%
V
14.6%
Earnings Growth
RMBI
45.0%
V
17.4%

Financial Health

Debt/Equity
RMBI
--
V
0.55
Current Ratio
RMBI
--
V
1.11
Quick Ratio
RMBI
--
V
0.72

Dividends

Dividend Yield
RMBI
4.14%
V
0.89%
Payout Ratio
RMBI
51.28%
V
22.91%

AI Verdict

RMBI BULLISH

RMBI presents a compelling value opportunity, trading at a discount to both its book value (P/B 0.97) and its Graham Number ($19.91). While the Piotroski F-Score of 4/9 indicates stable but not strong financial health, the company exhibits robust growth with a 45% YoY increase in earnings. The significant gap between the current price ($14.55) and the growth-based intrinsic value ($34.52) suggests substantial upside potential. Despite a bearish technical trend score, the fundamental valuation and sustainable dividend yield provide a strong margin of safety.

Strengths
Trading below book value (P/B 0.97), indicating potential undervaluation
Strong earnings growth of 45% YoY and revenue growth of 16.4%
Significant discount to Graham Number ($19.91) and Intrinsic Value ($34.52)
Risks
Piotroski F-Score of 4/9 suggests only 'stable' health rather than 'strong'
Technical trend score is 0/100, indicating short-term bearish momentum or divergence
Lack of analyst coverage and target price guidance
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

RMBI vs V: Head-to-Head Comparison

This page compares Richmond Mutual Bancorporation, Inc. (RMBI) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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