Richmond Mutual Bancorporation AI Stock Analysis
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Richmond Mutual Bancorporation (RMBI) AI Stock Analysis
Richmond Mutual Bancorporation
(NASDAQ:RMBI)
The overall score reflects a fundamentally sound and growing regional bank with disciplined profitability and cash-backed earnings as the primary strengths, complemented by an attractive valuation and supportive corporate actions such as a completed merger and sustained dividends. These positives are partially tempered by a comparatively leveraged balance sheet and some history of margin and cash flow volatility, keeping the stock below top-tier scores despite favorable technical momentum.
Richmond Mutual Bancorporation (RMBI) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $254.20M
- Dividend Yield
- 3.76%
- Average Volume (3M)
- 79.60K
- Price to Earnings (P/E)
- 16.2
- Beta (1Y)
- 0.45
- Revenue Growth
- 25.74%
- EPS Growth
- -10.34%
- Country
- US
- Employees
- 180
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Richmond Mutual Bancorporation Business Overview & Revenue Model
Company Description
Richmond Mutual Bancorporation, Inc. serves as the parent organization for First Bank Richmond, offering a diverse array of banking and financial services. The company facilitates various deposit accounts, including savings, money market, NOW, demand...
How the Company Makes Money
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Richmond Mutual Bancorporation Financial Statement Overview
Summary
RMBI’s financials show solid and growing profitability with net margins in the low teens, improving operating margins, and strong revenue growth, while cash generation closely tracks net income and has strengthened over time. These strengths are offset by a relatively leveraged balance sheet and some volatility in both margins and cash flows, which modestly increases sensitivity to credit and rate cycles.
Income Statement
78PositiveBalance Sheet
65PositiveCash Flow
72Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 92.41M | 90.89M | 85.05M | 71.82M | 56.59M | 51.21M |
| Gross Profit | 50.23M | 47.04M | 42.68M | 41.54M | 45.77M | 42.10M |
| EBITDA | 25.74M | 15.16M | 11.91M | 12.19M | 17.04M | 15.12M |
| Net Income | 12.02M | 11.58M | 9.38M | 9.49M | 12.96M | 11.14M |
Balance Sheet | ||||||
| Total Assets | 1.55B | 1.53B | 1.50B | 1.46B | 1.33B | 1.27B |
| Cash, Cash Equivalents and Short-Term Investments | 285.20M | 287.12M | 27.55M | 302.93M | 301.31M | 380.58M |
| Total Debt | 244.00M | 252.00M | 265.00M | 271.00M | 180.00M | 180.00M |
| Total Liabilities | 1.40B | 1.38B | 1.37B | 1.33B | 1.20B | 1.09B |
| Stockholders Equity | 148.27M | 145.78M | 132.87M | 134.86M | 132.38M | 180.48M |
Cash Flow | ||||||
| Free Cash Flow | 13.48M | 14.61M | 14.29M | 11.49M | 17.78M | -10.23M |
| Operating Cash Flow | 14.76M | 15.97M | 14.75M | 12.11M | 18.16M | -9.65M |
| Investing Cash Flow | -28.76M | -1.14M | -49.30M | -122.53M | -116.12M | -212.19M |
| Financing Cash Flow | 21.51M | -3.46M | 36.06M | 114.74M | 90.85M | 196.10M |
Richmond Mutual Bancorporation Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RMBI, the sentiment is Positive. The current price of 15.97 is above the 20-day moving average (MA) of 15.73, above the 50-day MA of 15.59, and above the 200-day MA of 14.76, indicating a bullish trend. The MACD of 0.09 indicates Negative momentum. The RSI at 59.09 is Neutral, neither overbought nor oversold. The STOCH value of 73.42 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for RMBI.
Richmond Mutual Bancorporation Risk Analysis
Richmond Mutual Bancorporation disclosed 29 risk factors in its most recent earnings report. Richmond Mutual Bancorporation reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
2 New RisksRichmond Mutual Bancorporation Peers Comparison
Overall Rating
CFBK78Outperform- RMBI78Outperform
LARK62Neutral
PNBK52Neutral
BCBP51Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| CFBK | 78Outperform | $236.11M | 10.10 | 11.74% | 1.02% | -0.92% | 39.31% |
| RMBI | 78Outperform | $265.63M | 16.16 | 3.89% | 3.76% | 25.74% | -10.34% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| LARK | 62Neutral | $197.61M | 9.46 | 12.73% | 2.61% | 1.32% | 18.96% |
| PNBK | 52Neutral | $106.34M | -26.68 | -3.01% | ― | 36.13% | 99.12% |
| BCBP | 51Neutral | $281.07M | -1.10 | -53.70% | 5.23% | -16.04% | -17100.00% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| RMBI | Richmond Mutual Bancorporation | 15.97 | 3.32 | 26.26% | |
| BCBP | BCB Bancorp | 9.17 | 1.61 | 21.36% | |
| CFBK | Cf Bankshares Inc | 35.32 | 12.85 | 57.17% | |
| LARK | Landmark | 32.22 | 7.13 | 28.43% | |
| PNBK | Patriot National Bancorp | 0.87 | -0.24 | -21.71% |
Richmond Mutual Bancorporation Corporate Events
Richmond Mutual Bancorporation Declares Quarterly Cash Dividend
PositiveOn August 20, 2026, Richmond Mutual Bancorporation, Inc. announced that its board declared a quarterly cash dividend of $0.15 per share on the company’s common stock. The dividend is scheduled to be paid on September 17, 2026, to shareholders of reco...
Richmond Mutual Bancorporation Completes Farmers Bancorp Merger
PositiveEffective July 1, 2026, Richmond Mutual Bancorporation completed its stock-for-stock merger with The Farmers Bancorp, issuing approximately 6.25 million new shares and folding The Farmers Bank into First Bank Richmond, which was simultaneously rebran...
Richmond Mutual Shareholders Approve Merger With Farmers Bancorp
PositiveRichmond Mutual Bancorporation, Inc. and The Farmers Bancorp secured shareholder approval for their planned merger at meetings held on May 26 and May 27, 2026, respectively, clearing a key hurdle after bank regulatory approvals were previously obtain...
Richmond Mutual Bancorporation Declares Quarterly Cash Dividend
PositiveOn May 22, 2026, Richmond Mutual Bancorporation, Inc. announced that its board declared a quarterly cash dividend of $0.15 per share on its common stock. The dividend is scheduled to be paid on June 17, 2026, to shareholders of record as of the close...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Aug 20, 2026