Richmond Mutual Bancorporation Inc (RMBI) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Richmond Mutual Bancorporation Inc stock (RMBI) is currently trading at $13.44. Richmond Mutual Bancorporation Inc PE ratio is 11.67. Richmond Mutual Bancorporation Inc PS ratio (Price-to-Sales) is 2.83. WallStSmart rates RMBI as Hold.
- RMBI PE ratio analysis and historical PE chart
- RMBI PS ratio (Price-to-Sales) history and trend
- RMBI intrinsic value — DCF, Graham Number, EPV models
- RMBI stock price prediction 2025 2026 2027 2028 2029 2030
- RMBI fair value vs current price
- RMBI insider transactions and insider buying
- Is RMBI undervalued or overvalued?
- Richmond Mutual Bancorporation Inc financial analysis — revenue, earnings, cash flow
- RMBI Piotroski F-Score and Altman Z-Score
- RMBI analyst price target and Smart Rating
Richmond Mutual Bancorporation Inc
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RMBI Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Richmond Mutual Bancorporation Inc (RMBI)
RMBI trades at a significant discount to its Graham intrinsic value of $54.76, offering a 74% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Richmond Mutual Bancorporation Inc (RMBI) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around market cap and return on equity. Fundamentals are solid but monitor weak areas for improvement.
Richmond Mutual Bancorporation Inc (RMBI) Key Strengths (4)
Keeps $33 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 45.50% year-over-year
Keeps $25 of every $100 in revenue as net profit
Supporting Valuation Data
Richmond Mutual Bancorporation Inc (RMBI) Areas to Watch (5)
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Low institutional interest, mostly retail-driven
Revenue is fairly priced at 2.83x sales
Solid revenue growth at 16.40% per year
Richmond Mutual Bancorporation Inc (RMBI) Detailed Analysis Report
Overall Assessment
This company scores 64/100 in our Smart Analysis, earning a C+ grade. Out of 9 metrics analyzed, 4 register as strengths (avg 10.0/10) while 5 fall into concern territory (avg 4.4/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, EPS Growth. Valuation metrics including Price/Book (0.91) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 32.50%, Profit Margin at 24.80%. Growth metrics are encouraging with EPS Growth at 45.50%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Institutional Own.. Some valuation metrics including Price/Sales (2.83) suggest expensive pricing. Growth concerns include Revenue Growth at 16.40%, which may limit upside. Profitability pressure is visible in Return on Equity at 8.31%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.31% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 16.40% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (Market Cap, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
RMBI Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
RMBI's Price-to-Sales ratio of 2.83x sits near its historical average of 2.82x (71th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 3% below its historical high of 2.91x set in Mar 2026, and 3% above its historical low of 2.75x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Richmond Mutual Bancorporation Inc (RMBI) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Richmond Mutual Bancorporation Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 47M with 16% growth year-over-year. Profit margins are strong at 24.8%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 831.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 24.8% and operating margin of 32.5% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 4.6%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Richmond Mutual Bancorporation Inc.
Bottom Line
Richmond Mutual Bancorporation Inc offers an attractive blend of growth (16% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Richmond Mutual Bancorporation Inc(RMBI)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Richmond Mutual Bancorporation, Inc. is a holding company of First Bank Richmond providing various banking services. The company is headquartered in Richmond, Indiana.