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Richmond Mutual Bancorporation

NAQ:RMBI · US76525P1003
BanksSmall

360

60
Medium confidence — indicative
Profit price62
Cash yield1
Price/Sales81
EV / Gross Profit9
Price/Book65
Returns on capital34
Profit margins—
Cash Conversion48
Accruals74
Owner Earnings Margin64
Sales growth47
Profit Growth71
Owner Earnings Growth61
Reinvestment20
Price momentum16
Debt load4
Debt serviceability13
Liquidity27
Analyst ratings—
Expectations trend—
Market mood4
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Richmond Mutual Bancorporation clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQCM
Founded2019
Websiteir.rmbi.firstbankrichmond.com/overview/corporate-profile/default.aspx
ISINUS76525P1003
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)

Description

Richmond Mutual Bancorporation, Inc. (Richmond Mutual Bancorporation) operates as a bank holding company for First Bank Richmond that provides various banking products and services. First Bank Richmond provides full banking services through its full…

Analysis

Middle-of-the-road

Richmond Mutual Bancorporation, Inc. sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 12.0×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is adequate. The company scores 13/20 on our value-creation score: creating some value.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
12
20232026

All-time high

26

Mar 2026

All-time low

12

Jun 2026

Average rank

20

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
81
—
—
48
Price/Earnings
68
—
—
24
Price/Book
65
—
—
34
Dividend Yield
1
—
—
50
Value (overall)
56
—
—
21

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →