📊 RMBI Key Takeaways
Is RMBI a Good Investment? Thesis Analysis
Richmond Mutual demonstrates exceptional 96% revenue growth and a fortress balance sheet with zero debt, but profitability fundamentals are weak with critically low 1.4x interest coverage and substandard 7.9% ROE. The disconnect between revenue surge and flat net income growth signals margin compression requiring resolution.
Why Buy RMBI? Key Strengths
- Exceptional 96% YoY revenue growth demonstrating strong market expansion
- Zero long-term debt providing financial flexibility and capital stability
- Solid free cash flow generation of $14.6M with 17% FCF margin
RMBI Investment Risks to Consider
- Critically low 1.4x interest coverage ratio indicates insufficient earnings buffer for interest expense obligations
- ROE of 7.9% and ROA of 0.8% well below banking industry standards signal operational inefficiency
- Flat net income growth despite 96% revenue growth indicates structural margin compression or rising provisions
Key Metrics to Watch
- Interest coverage ratio trajectory - must improve toward 5x+ for safety
- ROE progression toward 10%+ industry benchmark
- Net income growth rate relative to revenue to assess sustainability of profitability
RMBI Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
RMBI Profitability Ratios
RMBI vs Finance Sector
How Richmond Mutual Bancorporation, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is RMBI Overvalued or Undervalued?
Based on fundamental analysis, Richmond Mutual Bancorporation, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
RMBI Balance Sheet & Liquidity
RMBI 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: Richmond Mutual Bancorporation, Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $0.92 reflects profitable operations.
RMBI Growth Metrics (YoY)
RMBI Capital Allocation
RMBI SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for Richmond Mutual Bancorporation, Inc. (CIK: 0001767837)
📋 Recent SEC Filings
❓ Frequently Asked Questions about RMBI
What is the AI rating for RMBI?
Richmond Mutual Bancorporation, Inc. (RMBI) has an AI rating of HOLD with 75% confidence, based on fundamental analysis of SEC EDGAR filings.
What are RMBI's key strengths?
Claude: Exceptional 96% YoY revenue growth demonstrating strong market expansion. Zero long-term debt providing financial flexibility and capital stability.
What are the risks of investing in RMBI?
Claude: Critically low 1.4x interest coverage ratio indicates insufficient earnings buffer for interest expense obligations. ROE of 7.9% and ROA of 0.8% well below banking industry standards signal operational inefficiency.
What is RMBI's revenue and growth?
Richmond Mutual Bancorporation, Inc. reported revenue of $85.9M.
Does RMBI pay dividends?
Richmond Mutual Bancorporation, Inc. pays dividends, with $5.8M distributed to shareholders in the trailing twelve months.
Where can I find RMBI SEC filings?
Official SEC filings for Richmond Mutual Bancorporation, Inc. (CIK: 0001767837) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is RMBI's EPS?
Richmond Mutual Bancorporation, Inc. has a diluted EPS of $1.17.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is RMBI a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Richmond Mutual Bancorporation, Inc. has a HOLD rating with 75% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is RMBI stock overvalued or undervalued?
Valuation metrics for RMBI: ROE of 7.9% (sector avg: 12%), net margin of 13.5% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy RMBI stock in 2026?
Our dual AI analysis gives Richmond Mutual Bancorporation, Inc. a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is RMBI's free cash flow?
Richmond Mutual Bancorporation, Inc.'s operating cash flow is $16.0M, with capital expenditures of $1.4M. FCF margin is 17.0%.
How does RMBI compare to other Finance stocks?
Vs Finance sector averages: Net margin 13.5% (avg: 25%), ROE 7.9% (avg: 12%), current ratio N/A (avg: 1.2).