ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Richmond Mutual Bancorporation, Inc. ?
1
The Bank has a high Capital Adequacy Ratio of 14.78% signifying high buffers against its risk based assets
2
Healthy long term growth as Net profit has grown by an annual rate of 23.55%
3
Positive results in Jun 25
- OPERATING CASH FLOW(Y) Highest at USD 16.23 MM
- NET SALES(Q) Highest at USD 21.35 MM
- NII(Q) Highest at USD 10.76 MM
4
With ROA of 0.55%, it has a attractive valuation with a 1.18 Price to Book Value
- Over the past year, while the stock has generated a return of -3.51%, its profits have risen by 0.3% ; the PEG ratio of the company is 5
5
High Institutional Holdings at 21.07%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you buy?
- 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?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Richmond Mutual Bancorporation, Inc.
-5.65%
0.67
30.65%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
14.44%
EBIT Growth (5y)
27.47%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
61.08%
Pledged Shares
0
Institutional Holding
21.07%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
1.18
EV to EBIT
40.33
EV to EBITDA
37.04
EV to Capital Employed
1.07
EV to Sales
4.73
PEG Ratio
5.04
Dividend Yield
316.96%
ROCE (Latest)
2.64%
ROE (Latest)
6.86%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 16.23 MM
NET SALES(Q)
Highest at USD 21.35 MM
NII(Q)
Highest at USD 10.76 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 108%
OPERATING PROFIT(Q)
Highest at USD 2.98 MM
PRE-TAX PROFIT(Q)
Highest at USD 2.98 MM
NET PROFIT(Q)
Highest at USD 2.6 MM
EPS(Q)
Highest at USD 0.26
-2What is not working for the Company
GROSS NPA (%)
(Q
Here's what is working for Richmond Mutual Bancorporation, Inc.
Net Sales
Highest at USD 21.35 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
NII
Highest at USD 10.76 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Operating Cash Flow
Highest at USD 16.23 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 2.98 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 2.98 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 2.6 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.26
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Credit Deposit Ratio
Highest at 108%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Richmond Mutual Bancorporation, Inc.
Non Performing Loans (%)
Highest at 0.68%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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