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Upturn AI Summary - About
Richmond Mutual Bancorporation Inc(RMBI)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for RMBI
11/10/2026: RMBI (2-star) is currently NOT-A-BUY. Pass it for now.
Richmond Mutual Bancorporation Inc is a community-oriented regional bank providing essential financial services primarily within Ohio. The company is known for its conservative credit culture and strong capital base, which have historically provided stability for investors. Its primary growth opportunity lies in expanding its commercial lending portfolio and modernizing its digital banking capabilities. However, it faces risks from significant competition by national banking institutions and sensitivity to fluctuations in the broader economic and interest rate environment. This stock may best suit value and dividend-oriented investors seeking steady income, provided they monitor the bank's ability to navigate regional economic conditions and competitive digital pressures.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company is a stable, slow-growth regional bank rather than a high-growth entity. |
| Momentum investor | Mixed fit | Momentum fit is conditional on a positive Upturn signal, which currently reflects the bank's stable nature. |
| Value investor | Strong fit | The stock often trades at valuations that appeal to value-oriented investors looking for stable regional bank exposure. |
| Dividend investor | Strong fit | The company offers a consistent dividend yield, making it suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While more stable than growth stocks, the banking sector carries inherent market and interest rate risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to macroeconomic interest rate shifts. |
| Valuation risk | Low | The stock is generally priced based on stable book value and earnings. |
| Competition risk (National/Regional Banks) | Medium / high | Large banks have significant advantages in technology and marketing. |
| Business quality | Medium | As a community bank, it relies on regional economic health. |
| Dividend income | Low | The dividend is generally considered secure by historical standards. |
| Execution risk | Low | Management has a long track record of stable operations. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -3.59% | Avg. Invested days 56 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/10/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 252.59M USD | Price to earnings Ratio 17.31 | 1Y Target Price - |
Price to earnings Ratio 17.31 | 1Y Target Price - | ||
Volume (30-day avg) 45.0K shares | Beta 0.33 | 52 Weeks Range 12.26 - 16.43 | Updated Date 11/10/2026 |
52 Weeks Range 12.26 - 16.43 | Updated Date 11/10/2026 | ||
Dividends yield (FY) 0.96% | Basic EPS (TTM) 0.91 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans minus interest paid on deposits. | The primary way the bank makes money is by lending at higher rates than it pays to savers. |
| Non-Interest Income | Service fees, wealth management fees, and mortgage banking income. | The bank also earns fee-based revenue from various customer services and banking transactions. |
| Geography (Ohio) | Branch operations concentrated in northeastern Ohio. | The company's performance is tightly linked to the economic health of the local Ohio market. |
Earnings Date
Report Date 2026-10-30 | When - | Estimate - | Actual 0.11 |
Profitability
Profit Margin 17.3% | Operating Margin (TTM) 25.65% |
Management Effectiveness
Return on Assets (TTM) 0.49% | Return on Equity (TTM) 5.51% |
Valuation
Trailing PE 17.31 | Forward PE - | Enterprise Value 403.00M | Price to Sales(TTM) 4.3 |
Enterprise Value 403.00M | Price to Sales(TTM) 4.3 | ||
Enterprise Value to Revenue 3.75 | Enterprise Value to EBITDA - | Shares Outstanding 16.04M | Shares Floating 13.47M |
Shares Outstanding 16.04M | Shares Floating 13.47M | ||
Percent Insiders 14.76 | Percent Institutions 19.4 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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