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 2.94%
3
Positive results in Mar 26
- OPERATING CASH FLOW(Y) Highest at USD 15.88 MM
- ROCE(HY) Highest at 0.81%
- NET PROFIT(9M) Higher at USD 9.79 MM
4
With ROA of 0.46%, it has a attractive valuation with a 1.05 Price to Book Value
- Over the past year, while the stock has generated a return of 12.49%, its profits have risen by 23.5% ; the PEG ratio of the company is 0.5
5
High Institutional Holdings at 28.38%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow 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?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Richmond Mutual Bancorporation, Inc.
14.95%
1.24
27.02%
S&P 500
20.78%
1.67
13.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
15.20%
EBIT Growth (5y)
-1.10%
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
51.32%
Pledged Shares
0
Institutional Holding
28.38%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
1.05
EV to EBIT
27.82
EV to EBITDA
26.00
EV to Capital Employed
1.02
EV to Sales
4.13
PEG Ratio
0.46
Dividend Yield
446.08%
ROCE (Latest)
3.68%
ROE (Latest)
7.94%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Sideways
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 15.88 MM
ROCE(HY)
Highest at 0.81%
NET PROFIT(9M)
Higher at USD 9.79 MM
-5What is not working for the Company
GROSS NPA (%)
(Q
ROCE(HY)
Lowest at 0.81%
Here's what is working for Richmond Mutual Bancorporation, Inc.
Operating Cash Flow
Highest at USD 15.88 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Profit
Higher at USD 9.79 MM
than preceding 12 month period ended Mar 2026MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (USD MM)
Here's what is not working for Richmond Mutual Bancorporation, Inc.
Non Performing Loans (%)
Highest at 1.48% and Grown
In each half year 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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