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Upturn AI SWOT - About
Richmond Mutual Bancorporation Inc (RMBI)
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Upturn Advisory Summary
10/15/2025: RMBI (1-star) is a SELL. SELL since 4 days. Simulated Profits (-5.56%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -7.95% | Avg. Invested days 65 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 139.77M USD | Price to earnings Ratio 15.09 | 1Y Target Price - |
Price to earnings Ratio 15.09 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.38 | 52 Weeks Range 10.77 - 14.75 | Updated Date 06/29/2025 |
52 Weeks Range 10.77 - 14.75 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 4.43% | Basic EPS (TTM) 0.89 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.96% | Operating Margin (TTM) 24.86% |
Management Effectiveness
Return on Assets (TTM) 0.6% | Return on Equity (TTM) 6.82% |
Valuation
Trailing PE 15.09 | Forward PE - | Enterprise Value 374905600 | Price to Sales(TTM) 3.26 |
Enterprise Value 374905600 | Price to Sales(TTM) 3.26 | ||
Enterprise Value to Revenue 9.49 | Enterprise Value to EBITDA - | Shares Outstanding 10407500 | Shares Floating 7325590 |
Shares Outstanding 10407500 | Shares Floating 7325590 | ||
Percent Insiders 21.14 | Percent Institutions 19.85 |
Upturn AI SWOT
Richmond Mutual Bancorporation Inc
Company Overview
History and Background
Richmond Mutual Bancorporation, Inc. is the holding company for Richmond Mutual Federal Credit Union. It focuses on community banking services. Specific founding year and detailed historical milestones would require access to proprietary company information not readily available publicly.
Core Business Areas
- Retail Banking: Provides checking and savings accounts, personal loans, mortgages, and other services to individual customers.
- Commercial Banking: Offers business loans, lines of credit, treasury management services, and other financial products to businesses.
Leadership and Structure
Details on the leadership team and organizational structure are not publicly available to the degree required for this output without access to proprietary company information.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Offers various mortgage products for home purchases and refinancing. Market share data is not readily available. Competitors include national banks like JPMorgan Chase (JPM), Bank of America (BAC), and regional banks.
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, equipment financing, and real estate acquisition. Market share data is not readily available. Competitors include regional and national banks.
Market Dynamics
Industry Overview
The banking industry is undergoing digital transformation and facing increased competition from fintech companies. Regulatory changes and interest rate fluctuations are also key factors.
Positioning
As a mutual institution, Richmond Mutual Bancorporation focuses on serving its members and the local community. Its competitive advantage lies in its personalized service and local market knowledge.
Total Addressable Market (TAM)
TAM for the banking industry in the US is several trillion dollars. Richmond Mutual Bancorporation's position within the overall TAM is relatively small, focusing on specific local markets.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Personalized customer service
- Local market expertise
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Potentially limited access to capital
Opportunities
- Expanding digital banking services
- Growing local market share
- Strategic partnerships with other institutions
Threats
- Increased competition from larger banks
- Economic downturn impacting loan demand
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
Competitive Landscape
Richmond Mutual Bancorporation faces intense competition from larger national and regional banks. Its advantages include local market knowledge and personalized service, while its disadvantages include limited resources and geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require financial data not readily available.
Future Projections: Future projections require analyst estimates that are not readily available for this institution.
Recent Initiatives: Recent initiatives are not readily available without access to proprietary company information.
Summary
Richmond Mutual Bancorporation likely operates with a strong local presence and customer focus. Being a mutual organization helps in reinvesting profits for better customer service. The main challenges will likely be competition from larger banks and adapting to the changing banking landscape. Gaining access to more capital would likely expand its growth trajectory.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Publicly available industry reports
- Company websites (limited information available)
- General financial news sources
Disclaimers:
This analysis is based on limited publicly available information. Actual financial performance and market position may differ. Market share information is aggregated for large banks and does not directly correlate to Richmond Mutual Bancorporation.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Richmond Mutual Bancorporation Inc
Exchange NASDAQ | Headquaters Richmond, IN, United States | ||
IPO Launch date 2019-07-02 | Chairman, President & CEO Mr. Garry D. Kleer | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 171 | |
Full time employees 171 | |||
Richmond Mutual Bancorporation, Inc. operates as the bank holding company for First Bank Richmond that provides various banking services in Cambridge City. It accepts various deposits, including savings deposit accounts, money market accounts, NOW and demand accounts, and certificates of deposit. The company also offers a range of lending products, such as multi-family and commercial real estate loans, commercial and industrial loans, construction and development loans, residential real estate loans, and consumer loans. In addition, it engages in the lease financing business; and provision of fee-based financial services comprising trust and estate administration, investment management, retirement plan administration, and private banking services. The company was founded in 1887 and is headquartered in Richmond, Indiana.
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