RMBI

BULLISH

$14.55 Live

Richmond Mutual Bancorporation, Inc. · NASDAQ

$12.61 52W Range $15.24

RMBI Richmond Mutual Bancorporation, Inc. - Fundamental Analysis

BULLISH

Console Chart News

RMBI Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$14.55

52W High

$15.24

52W Low

$12.61

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 19, 2026

Market cap

$142.1M

P/E

12.44

ROE

8.3%

Profit margin

24.8%

Debt/Equity

N/A

Dividend yield

4.14%

AI Analysis

AI-powered fundamental assessment

Confidence

75%

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.

Key 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)

Sustainable dividend profile with a 4.14% yield and 51.28% payout ratio

Positive long-term price performance (68.8% over 3 years)

Key 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

Small market capitalization ($0.14B) may lead to higher volatility and lower liquidity

Exposure to regional banking sector risks (interest rate sensitivity)

AI Fair Value Estimate

Based on comprehensive analysis

$22.21

+52.6% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Strong Value Play

Key drivers: Deep valuation discount, High earnings growth, Sustainable dividend

Confidence

80%

Value

90/100

Ref P/E 12.44, P/B 0.97, Graham Number $19.91

Positives

P/B < 1.0
P/E significantly lower than sector average
Price well below Graham Number

Watchpoints

Price/Sales is slightly elevated at 3.04

Future

85/100

Ref Growth rates

Positives

45% YoY Earnings Growth
18.31% Q/Q Revenue Growth

Watchpoints

Lack of forward P/E guidance

Past

70/100

Ref Historical trends

Positives

Consistent positive returns over 1Y, 3Y, and 5Y periods

Watchpoints

Technical trend score is currently 0/100

Health

50/100

Ref Piotroski F-Score 4/9

Positives

Stable Piotroski score

Watchpoints

Piotroski F-Score is 4/9 (Stable, not Strong)
Altman Z-Score not applicable for banking structure

Dividend

80/100

Ref Yield 4.14%, Payout 51.28%

Positives

Healthy 4.14% yield
Conservative payout ratio (51.28%)

Watchpoints

No 5-year average yield for comparison

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$14.55

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for RMBI and closest competitors.

Updated 2026-04-17

Company	5Y	3Y	1Y	6M	1M	1W
RMBI Richmond Mutual Bancorporation, Inc. Primary	+25.5%	+68.8%	+17.3%	+8.3%	+9.7%	+4.7%
SBFG SB Financial Group, Inc. Peer	+55.3%	+75.0%	+24.1%	+22.2%	+13.3%	+1.1%
BWG Legg Mason BW Global Income Opportunities Fund Inc. Peer	+19.4%	+43.0%	+15.9%	+8.0%	+0.8%	+0.7%
BGX Blackstone Long-Short Credit Income Fund Peer	+30.5%	+36.9%	-0.5%	-2.2%	+0.5%	-0.4%
SCPQ Social Commerce Partners Corporation Peer	0.0%	0.0%	0.0%	0.0%	+0.1%	+0.1%

RMB

Richmond Mutual Bancorporation, Inc.

Primary

+25.5%

+68.8%

+17.3%

+8.3%

+9.7%

+4.7%

SBF

SB Financial Group, Inc.

Peer

+55.3%

+75.0%

+24.1%

+22.2%

+13.3%

+1.1%

BWG

Legg Mason BW Global Income Opportunities Fund Inc.

Peer

+19.4%

+43.0%

+15.9%

+8.0%

+0.8%

+0.7%

BGX

Blackstone Long-Short Credit Income Fund

Peer

+30.5%

+36.9%

-0.5%

-2.2%

+0.5%

-0.4%

SCP

Social Commerce Partners Corporation

Peer

0.0%

+0.1%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

12.44

N/A

0.97

3.04

8.12

N/A

$142.1M

Profitability

Profit margins and return metrics

Profit Margin 24.76%

Operating Margin 34.54%

Gross Margin N/A

ROE 8.31%

ROA 0.76%

Growth

Revenue and earnings growth rates

Revenue Growth +16.4%

Earnings Growth +45.0%

Q/Q Revenue Growth +18.31%

Q/Q Earnings Growth +37.7%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$1.41

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.0B

Net Margin

26.2%

Total Assets

$1.5B

Liabilities

$1.4B

Equity

$0.1B

Debt/Equity

9.47x

Operating CF

$0.0B

CapEx

$-0.0B

Free Cash Flow

$0.0B

FCF Yield

93%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-23

$N/A

Financial Services Sector Comparison

Comparing RMBI against 516 companies in the Financial Services sector (93 bullish, 213 neutral, 210 bearish)

P/E Ratio

12.44

This Stock

44.47

Sector Avg

-72.0% (Discount)

Return on Equity (ROE)

8.31%

This Stock

-0.23%

Sector Avg

-3771.1% (Below Avg)

Profit Margin

24.76%

This Stock

47.39%

Sector Avg

-47.8% (Weaker)

Revenue Growth

16.4%

This Stock

41.05%

Sector Avg

-60.1% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
RMBI Richmond Mutual...	BULLISH	$142.1M	12.44	8.3%	24.8%	$14.55
SBFG SB Financial Group, Inc.	BULLISH	$142.06M	10.29	10.4%	21.7%	$22.54	Compare
BWG Legg Mason BW Global...	BEARISH	$142.23M	9.21	-%	-%	$8.47	Compare
BGX Blackstone Long-Short...	BEARISH	$148.05M	12.39	-%	-%	$11.65	Compare
SCPQ Social Commerce Partners...	BEARISH	$135.46M	-	-%	-%	$9.9	Compare

RMBI Richmond Mutual...

BULLISH

Mkt Cap

$142M

P/E

12.4

ROE

8.3%

Price

$14.55

Compare with RMBI

Compare with RMBI

Compare with RMBI

Compare with RMBI

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-02-19	DAILY WILLIAM A JR	Officer	Purchase	347	$5,000
2026-02-19	DAILY WILLIAM A JR	Officer	Purchase	212	$3,000
2026-01-28	DAILY WILLIAM A JR	Officer	Purchase	284	$4,001
2025-11-20	KLEER GARRY D	Chief Executive Officer	Stock Award	51,253	-

DAILY WILLIAM A JR

Officer

Buy

2026-02-19

347 shares · $5,000

DAILY WILLIAM A JR

Officer

Buy

2026-02-19

212 shares · $3,000

DAILY WILLIAM A JR

Officer

Buy

2026-01-28

284 shares · $4,001

KLEER GARRY D

Chief Executive Officer

Stock Award

2025-11-20

51,253 shares

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

10-K

2026-03-23

RMBI filed its annual 10-K report on March 23, 2026. Specific financial highlights and risk factors are detailed within the MD&A and Risk Factors sections of the filing, though no specific data points were provided in the excerpts.

8-K

2026-02-11

RMBI filed an 8-K on February 11, 2026, likely to announce its annual financial results.

8-K

2026-01-22

RMBI filed an 8-K on January 22, 2026, likely to announce its fourth-quarter and full-year financial results.

8-K

2026-01-15

8-K

2025-11-19

8-K

FORM 8-K

2025-11-12

10-Q

2025-11-10

RMBI filed its quarterly 10-Q report on November 10, 2025. While specific financial highlights were not provided in the excerpt, the filing includes a dedicated section for risk factors under Item 1A.

8-K

2025-10-23

8-K

2025-08-20

10-Q

2025-08-08

RMBI submitted its 10-Q filing on August 8, 2025. While the document contains a section for Risk Factors under Item 1A, the provided excerpt does not include specific financial highlights or detailed risk disclosures.

8-K

2025-07-23

8-K

2025-05-27

8-K

2025-05-21

10-Q

2025-05-09

8-K

2025-04-24

Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning RMBI from our newsroom.

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RMBI

RMBI Richmond Mutual Bancorporation, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Past News Coverage

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