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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 $15.60, about 5.5% overvalued vs fair value, +11.2% 1Y return, ranked 301/1037 in sector.
Metrics Rev Growth 110.2% ROE 5.8% Gross Margin 51.8%
$15.60
2.90%
As of April 28, 2026
Previous close • Vol 90d: 22.5%
52-Week Range
Market Cap
$150.98M
Enterprise Value
$378.96M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Earnings Apr 23 Estimated

Fair Value Snapshot

Bear Base Bull
$8
$15
$28
Current: $15.60 -6% 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

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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
33
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
45
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing RMBI's balance between Growth (25.3%), Profitability (18.7%), and Safety (56.0%). Growth 25% Safety 56% Profitability 19%

Click axes to expand details. Marker shows current allocation.

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Growth

36th percentile vs peers
37
Key Signals
NII Growth YoY 2.8% 54p EPS Growth YoY 1.0% 50p Asset Growth YoY 1.3% 28p Equity Growth YoY -1.5% 7p
Strengths
  • Equity/Assets in top 20% of peers (17.3%, 94th percentile)
  • D/E Ratio in top 20% of peers (1.99, 94th percentile)
  • Debt/Assets in top 20% of peers (17.6%, 93th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Equity Growth YoY in bottom 20% of peers (-1.5%)
  • Growth below peer median (percentile: 36)

Profitability

27th percentile vs peers
27
Key Signals
Strengths
Risks
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Safety

80th percentile vs peers
81
Key Signals
Strengths
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Two Futures

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

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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:

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Bear
-
- - -
- upside
-
Base
$14.74
- - -
-5.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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