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RMBI

Richmond Mutual Bancorporation, Inc.

Financial Services · $240M market cap

Verdict

Share price

$15.44

close of Oct 3, 2026

Fair value

$10.89

Sticker Price

Payback Price

$4.36

buy price

Overpriced

RMBI is Overpriced: at $15.44 it trades 42% above its fair value of $10.89. Its buy price (Payback Price) is $4.36, 72% below today's price. Business quality is mixed: 2 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

2 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth-2.0% a year✗
Equity per share growth-0.8% a year✗
Sales growth13.0% a year✓
Free cash flow growth12.4% a year✓
Return on invested capital2.5%✗

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Insider activity

Since Jul 1, 2026: 1 open-market purchase worth $40K and 10 other filings (stock awards, tax withholding and similar). Why purchases matter

Purchases

Jackson Jeffrey A.

director · 2026-08-10

Bought

$40K

Other filings

Valentino Carroll Ann

Chief Operations Officer · 2026-07-01

Award

6,256 shares

Kozuch Chad

Chief Risk Officer · 2026-07-01

Award

61,251 shares

Lahrman Daniel J.

director · 2026-07-01

Award

54,801 shares

Crawford Thomas D.

director · 2026-07-01

Award

23,776 shares

Cutillo Barbara A

director · 2026-07-01

Award

2,380 shares

Show all 10 other filings

Cook Christopher D

director · 2026-07-01

Award

26,186 shares

Moore James Dalton

director · 2026-07-01

Award

3,400 shares

Moore James Dalton

director · 2026-07-01

Award

4,039 shares

Moore James Dalton

director · 2026-07-01

Award

6,800 shares

Moore James Dalton

director · 2026-07-01

Award

60,669 shares

About Richmond Mutual Bancorporation, Inc.

Richmond Mutual Bancorporation, Inc. serves as the parent organization for First Bank Richmond, offering a diverse array of banking and financial services. The company facilitates various deposit accounts, including savings, money market, NOW, demand deposit, and certificates of deposit. Its lending portfolio encompasses numerous loan types, such as multi-family and commercial real estate, commercial and industrial…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works