Stock Scorecard
Stock Summary for Richmond Mutual Bancorporation Inc (RMBI) - $14.00 as of 5/10/2025 9:21:35 AM EST
Total Score
10 out of 30
Safety Score
37 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for RMBI
| Positive earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for RMBI
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for RMBI
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for RMBI
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for RMBI (37 out of 100)
| Stock Price Rating (Max of 10) | 5 |
| Historical Stock Price Rating (Max of 10) | 5 |
| Stock Price Trend (Max of 10) | 0 |
| Book Value (Max of 10) | 5 |
| Book Value to Price (Max of 10) | 2 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 5 |
| Trading Volume (Max of 10) | 1 |
| Price to Earnings (Max of 10) | 8 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for RMBI
Financial Details for RMBI
Company Overview |
|
|---|---|
| Ticker | RMBI |
| Company Name | Richmond Mutual Bancorporation Inc |
| Country | USA |
| Description | Richmond Mutual Bancorporation, Inc. is a holding company of First Bank Richmond providing various banking services. The company is headquartered in Richmond, Indiana. |
| Sector Name | FINANCE |
| Industry Name | STATE COMMERCIAL BANKS |
| Most Recent Quarter | 3/31/2025 |
| Next Earnings Date | 7/23/2025 |
Stock Price History |
|
| Last Day Price | 14.00 |
| Price 4 Years Ago | 14.07 |
| Last Day Price Updated | 5/10/2025 9:21:35 AM EST |
| Last Day Volume | 20,621 |
| Average Daily Volume | 33,117 |
| 52-Week High | 14.92 |
| 52-Week Low | 10.52 |
| Last Price to 52 Week Low | 33.08% |
Valuation Measures |
|
| Trailing PE | 15.73 |
| Industry PE | 16.08 |
| Sector PE | 18.76 |
| 5-Year Average PE | 23.46 |
| Free Cash Flow Ratio | 10.37 |
| Industry Free Cash Flow Ratio | 6.60 |
| Sector Free Cash Flow Ratio | 25.77 |
| Current Ratio Most Recent Quarter | 35.89 |
| Total Cash Per Share | 1.35 |
| Book Value Per Share Most Recent Quarter | 13.61 |
| Price to Book Ratio | 1.14 |
| Industry Price to Book Ratio | 1.04 |
| Sector Price to Book Ratio | 2.07 |
| Price to Sales Ratio Twelve Trailing Months | 3.41 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.03 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.16 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 10,441,700 |
| Market Capitalization | 146,183,800 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 2/26/2025 |
| Previous Dividend Amount | 0.1400 |
| Current Dividend Amount | 0.1500 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.57 |
| Trailing Annual Dividend Yield | 4.01% |
| Forward Annual Dividend Rate | 0.60 |
| Forward Annual Dividend Yield | 4.22% |
| 5-Year Dividend Payments Count | 21 |
| 3-Year Average Dividend Yield | 4.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 7.14% |
| 3-Year Dividend Growth Rate Percentage | 3.51% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 25.99% |
| Dividend Payout Ratio | 64.04% |
Income Statement |
|
| Quarterly Earnings Growth YOY | -13.10% |
| Annual Earnings Growth | -1.16% |
| Reported EPS 12 Trailing Months | 0.89 |
| Reported EPS Past Year | 0.20 |
| Reported EPS Prior Year | 0.92 |
| Net Income Twelve Trailing Months | 8,976,457 |
| Net Income Past Year | 9,377,000 |
| Net Income Prior Year | 9,486,836 |
| Quarterly Revenue Growth YOY | -0.80% |
| 5-Year Revenue Growth | 4.85% |
| Operating Margin Twelve Trailing Months | 21.70% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 14,121,000 |
| Total Cash Past Year | 22,057,190 |
| Total Cash Prior Year | 12,021,125 |
| Net Cash Position Most Recent Quarter | -250,879,000 |
| Net Cash Position Past Year | -242,942,810 |
| Long Term Debt Past Year | 265,000,000 |
| Long Term Debt Prior Year | 271,000,000 |
| Total Debt Most Recent Quarter | 265,000,000 |
| Equity to Debt Ratio Past Year | 0.33 |
| Equity to Debt Ratio Most Recent Quarter | 0.48 |
| Total Stockholder Equity Past Year | 132,871,760 |
| Total Stockholder Equity Prior Year | 134,859,576 |
| Total Stockholder Equity Most Recent Quarter | 246,745,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 15,000,577 |
| Free Cash Flow Per Share Twelve Trailing Months | 1.44 |
| Free Cash Flow Past Year | 14,292,080 |
| Free Cash Flow Prior Year | 11,494,988 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.40 |
| MACD Signal | 0.37 |
| 20-Day Bollinger Lower Band | 11.68 |
| 20-Day Bollinger Middle Band | 13.13 |
| 20-Day Bollinger Upper Band | 14.58 |
| Beta | 0.42 |
| RSI | 58.58 |
| 50-Day SMA | 11.50 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 12.12 |
System |
|
| Modified | 5/10/2025 9:22:21 AM EST |