Richmond Mutual Bancorporation, Inc. (RMBI) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Northeast Community Bancorp, Inc.

LCNB Corp.

Richmond Mutual Bancorporation, Inc.

The First of Long Island Corp.

Evans Bancorp, Inc.

Alerus Financial Corp.

Why is Richmond Mutual Bancorporation, Inc. ?

The Bank has a high Capital Adequacy Ratio of 14.78% signifying high buffers against its risk based assets

Healthy long term growth as Net profit has grown by an annual rate of 2.94%

Positive results in Dec 25

NII(Q) Highest at USD 11.53 MM
ROCE(HY) Highest at 0.76%
NET SALES(Q) Highest at USD 21.88 MM

With ROA of 0.65%, it has a fair valuation with a 1.05 Price to Book Value

Over the past year, while the stock has generated a return of 6.13%, its profits have risen by 23.5% ; the PEG ratio of the company is 0.5

High Institutional Holdings at 29.13%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Richmond Mutual Bancorporation, Inc. should be less than 10%
Overall Portfolio exposure to Major Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Richmond Mutual Bancorporation, Inc. for you?

Low Risk, Medium Return

Absolute

Risk Adjusted

Volatility

Richmond Mutual Bancorporation, Inc.

5.58%

0.64

29.02%

S&P 500

13.68%

0.71

19.28%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

15.20%

EBIT Growth (5y)

-0.83%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

51.28%

Pledged Shares

Institutional Holding

29.13%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.05

EV to EBIT

27.33

EV to EBITDA

26.00

EV to Capital Employed

1.02

EV to Sales

4.13

PEG Ratio

0.46

Dividend Yield

448.42%

ROCE (Latest)

3.73%

ROE (Latest)

7.94%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

10What is working for the Company

NII(Q)

Highest at USD 11.53 MM

ROCE(HY)

Highest at 0.76%

NET SALES(Q)

Highest at USD 21.88 MM

NET PROFIT(9M)

Higher at USD 9.61 MM

CASH AND EQV(HY)

Highest at USD 44.55 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

-5What is not working for the Company

GROSS NPA (%)

ROCE(HY)

Lowest at 0.76%

Here's what is working for Richmond Mutual Bancorporation, Inc.

NII

Highest at USD 11.53 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 21.88 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Cash and Eqv

Highest at USD 44.55 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Net Profit

Higher at USD 9.61 MM

than preceding 12 month period ended Dec 2025

MOJO Watch

In the nine month period the company has already crossed sales of the previous twelve months

Net Profit (USD MM)

CASA

Highest at 13.38%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for Richmond Mutual Bancorporation, Inc.

Non Performing Loans (%)

Highest at 1.46% and Grown

In each half year in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)