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Upturn AI SWOT - About
Richmond Mutual Bancorporation Inc (RMBI)
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Upturn Advisory Summary
08/28/2025: RMBI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 -1.58% | Avg. Invested days 60 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
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. operates as a mutual holding company, offering traditional banking services through its subsidiaries. Information on specific founding year and milestones needs further verification as it is not readily available.
Core Business Areas
- Community Banking: Provides traditional banking services to individuals and businesses, including deposit accounts, loans, and other financial products.
Leadership and Structure
Information on specific leadership team and organizational structure needs further verification, as it is not readily available publicly.
Top Products and Market Share
Key Offerings
- Deposit Accounts: Offers a variety of deposit accounts, including checking, savings, and money market accounts. Market share data unavailable. Competitors include national and regional banks.
- Loans: Provides various loan products, including mortgages, auto loans, and personal loans. Market share data unavailable. Competitors include national and regional banks, credit unions, and online lenders.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes and economic conditions.
Positioning
Richmond Mutual Bancorporation Inc. likely positions itself as a community-focused bank, emphasizing personalized service and local relationships.
Total Addressable Market (TAM)
The TAM consists of total banking market revenue within the regions they operate in. Exact figures are unavailable. Their positioning is to serve the local customers within this TAM.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market knowledge
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
Opportunities
- Expanding product offerings
- Acquiring smaller community banks
Threats
- Increased competition from larger banks
- Economic downturns
Competitors and Market Share
Key Competitors
Competitive Landscape
Richmond Mutual Bancorporation Inc. likely competes with larger national and regional banks, as well as smaller community banks and credit unions. Advantages include local market knowledge and personalized service. Disadvantages include limited resources and geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require access to financial data over multiple years.
Future Projections: Future projections require analyst estimates, which are unavailable.
Recent Initiatives: Information on recent strategic initiatives needs further research.
Summary
Richmond Mutual Bancorporation Inc. is a community bank offering traditional banking services. It benefits from strong customer relationships but faces competition from larger institutions. Growth opportunities exist through expanding services and acquisitions, but economic downturns pose a threat. More detailed financial data is needed to provide a complete analysis.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Publicly available information
- Industry reports
Disclaimers:
The information provided is based on limited publicly available data and may not be entirely accurate or complete. Financial data and specific details regarding Richmond Mutual Bancorporation Inc. require further verification from official sources.
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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