📊 RMBI Key Takeaways
Is Richmond Mutual Bancorporation, Inc. (RMBI) a Good Investment?
Richmond Mutual demonstrates alarming earnings quality with net income flat YoY despite 95.9% revenue growth, indicating margin compression or operational deterioration that outweighs top-line expansion. Returns on assets (0.2%) and equity (1.9%) are critically low for a bank, suggesting severe capital deployment inefficiency and potential asset quality concerns beneath the growth headline.
RMBI shows exceptional revenue growth, but flat net income and modest margins indicate funding-cost and/or credit provisioning pressure. Profitability (ROE 7.9%, ROA 0.8%) is below typical bank targets and interest coverage is thin, tempering near‑term upside. Solid capital levels and positive free cash flow support stability while efforts to improve NIM and efficiency play out.
Why Buy Richmond Mutual Bancorporation, Inc. Stock? RMBI Key Strengths
- Strong revenue growth of 95.9% YoY demonstrates market demand and expansion
- Zero long-term debt (Debt/Equity: 0.00x) provides exceptional financial flexibility
- Positive free cash flow generation of 2.5M supports sustainability
- Rapid top-line growth (+95.9% YoY)
- Consistent free cash flow with low capex needs
- Conservative balance sheet with no long-term debt and moderate leverage
RMBI Stock Risks: Richmond Mutual Bancorporation, Inc. Investment Risks
- Net income completely flat (-0.0%) despite 95.9% revenue growth signals margin compression, cost inflation, or asset quality deterioration
- Critically low ROA (0.2%) and ROE (1.9%) indicate severe inefficiency in capital deployment and poor management execution
- Low interest coverage of 1.4x limits margin of safety despite zero debt, suggesting operational stress
- Margin compression from higher deposit costs/interest-rate sensitivity
- Credit quality deterioration raising provisions and pressuring earnings
- Subscale efficiency limiting ROE improvement
Key Metrics to Watch
- Net income growth acceleration relative to revenue growth to verify earnings quality
- Return on assets and return on equity trends for evidence of operational improvement
- Provision for loan losses and asset quality metrics to identify underlying profitability drains
- Net interest margin (NIM)
- Nonperforming assets and net charge-offs
Richmond Mutual Bancorporation, Inc. (RMBI) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
RMBI Profit Margin, ROE & Profitability Analysis
RMBI vs Finance Sector: How Richmond Mutual Bancorporation, Inc. Compares
How Richmond Mutual Bancorporation, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Richmond Mutual Bancorporation, Inc. Stock Overvalued? RMBI Valuation Analysis 2026
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.
Richmond Mutual Bancorporation, Inc. Balance Sheet: RMBI Debt, Cash & Liquidity
RMBI Revenue & Earnings Growth: 5-Year Financial Trend
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 Revenue Growth, EPS Growth & YoY Performance
Richmond Mutual Bancorporation, Inc. Dividends, Buybacks & Capital Allocation
RMBI SEC Filings: Latest 10-K & 10-Q 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 a Combined AI Rating of SELL from Claude (SELL) and ChatGPT (HOLD) with 69% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are RMBI's key strengths?
Claude: Strong revenue growth of 95.9% YoY demonstrates market demand and expansion. Zero long-term debt (Debt/Equity: 0.00x) provides exceptional financial flexibility. ChatGPT: Rapid top-line growth (+95.9% YoY). Consistent free cash flow with low capex needs.
What are the risks of investing in RMBI?
Claude: Net income completely flat (-0.0%) despite 95.9% revenue growth signals margin compression, cost inflation, or asset quality deterioration. Critically low ROA (0.2%) and ROE (1.9%) indicate severe inefficiency in capital deployment and poor management execution. ChatGPT: Margin compression from higher deposit costs/interest-rate sensitivity. Credit quality deterioration raising provisions and pressuring earnings.
What is RMBI's revenue and growth?
Richmond Mutual Bancorporation, Inc. reported revenue of $21.2M.
Does RMBI pay dividends?
Richmond Mutual Bancorporation, Inc. pays dividends, with $1.5M 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 $0.28.
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 May 2026, Richmond Mutual Bancorporation, Inc. has a SELL rating with 69% 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 1.9% (sector avg: 12%), net margin of 13.2% (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 SELL 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 $2.8M, with capital expenditures of $324.6K. FCF margin is 11.6%.
How does RMBI compare to other Finance stocks?
Vs Finance sector averages: Net margin 13.2% (avg: 25%), ROE 1.9% (avg: 12%), current ratio N/A (avg: 1.2).