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Company Analysis

Richmond Mutual Bancorporation, RMBI

A comprehensive view of key metrics, scores, and financial health for Richmond Mutual Bancorporation,

Overview of Richmond Mutual Bancorporation, Inc.

RMBI NCM
Financial Services Banks - Regional Micro Cap
Richmond Mutual Bancorporation, Inc. (RMBI), is a Micro Cap company, in the Banks - Regional industry, last closed at $13.33, about 10.6% undervalued vs fair value, +5.0% 1Y return, ranked 291/1004 in sector.
$13.33
0.60%
As of March 13, 2026
Previous close • Vol 90d: 24.6%
52-Week Range
Market Cap
$131.44M
Enterprise Value
$359.42M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.firstbankrichmond....
HQ Richmond, IN
Employees 180
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$8
$15
$28
Current: $13.33 +11% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$80.5M
19.5%%
Interest Expense
$42.1M
Net Interest Income
$38.7M
2.8%%
Total Revenue
$90.9M
110.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.1%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$10.7M
114.5% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
1/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Richmond Mutual Bancorporation,'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
36
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
51
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing RMBI's balance between Growth (52.7%), Profitability (22.2%), and Safety (25.2%). Growth 53% Safety 25% Profitability 22%

Click axes to expand details. Marker shows current allocation.

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Growth

65th percentile vs peers
65
Key Signals
Rev Growth YoY 1.10 86p Revenue CAGR 3Y 25.1% 75p Asset Growth YoY 1.3% 28p
Strengths
  • Rev Growth Yoy in top 20% of peers (1.10, 86th percentile)
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

27th percentile vs peers
27
Key Signals
Strengths
Risks
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Safety

31th percentile vs peers
31
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Richmond Mutual Bancorporation,.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$14.74
- - -
+10.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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